A Merchant of Record (MoR) is the legal entity that is considered the seller to the end customer—it’s the name that typically appears on the customer’s card/bank statement and it takes responsibility for the transaction, including handling refunds and chargebacks and other payment-related liabilities.

If you run an adult website or an online casino, you already know the truth: payments are often harder than traffic, content, or even compliance. Banks and processors don’t just look at your revenue—they look at chargeback risk, regulatory exposure, card network rules, reputation, and how “clean” your operational setup is. The good news: high-risk merchant accounts are absolutely doable!