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medium confidence
Verified 2026-05-24

FINBPM

MoR-positioned payment and merchant-aggregation platform for EEA/UK SaaS, digital goods, AI/API and marketplace flows. This profile was added from the 2026-05-24 discovery backlog and should be deep-verified before being treated as a final editorial rating.

Unclear

FINBPM markets itself as becoming the Merchant of Record and seller to the end customer.

2026-05-24

tax/MoR

medium
“FINBPM becomes the Merchant of Record”

Marketing page is explicit, but the legal agreement should be checked before treating the model as a full reseller MoR.

FINBPM homepage Docs

FINBPM's legal documents frame the product as master-merchant/payment aggregation services.

2026-05-24

contracting

high
“Master Merchant Agreement”

This creates a classification caveat: MoR marketing is strong, reseller legal mechanics are less clear.

Master Merchant Agreement Terms

FINBPM targets SaaS, subscriptions, digital products, marketplaces, AI/API products, gaming and apps.

2026-05-24

eligibility

high
“SaaS & subscriptions”
Solutions Docs

FINBPM merchant eligibility appears limited to EEA and UK entities in public terms.

2026-05-24

countries

high
“EEA and UK”
Terms of use Terms

FINBPM restricts regulated/high-risk categories including financial services, gambling, crypto, healthcare and professional advisory.

2026-05-24

eligibility_limit

high
“regulatory authorization”
AML/CTF Policy Restrictions

FINBPM supports one-time, subscription and usage-style billing with hosted checkout, payment links, API and webhooks.

2026-05-24

features

high
“Billing & payments”
Platform Docs

FINBPM pricing is custom and transaction-fee based.

2026-05-24

pricing

high
“Custom”
Pricing Pricing

Caveats

  • • Classify conservatively: marketing says MoR, but legal docs emphasize master-merchant/payment aggregation.
  • • Public seller eligibility appears EEA/UK-only.
  • • Exact customer countries, payout countries, payout currencies and tax jurisdictions were not publicly enumerated.
  • • Chargeback liability and final MoR scope should be confirmed in the written merchant agreement.

Accepted or likely accepted

  • SaaS Likely accepted
  • Downloadable software Likely accepted
  • Digital downloads Likely accepted
  • Marketplaces Likely accepted
  • AI tools Likely accepted
  • Games Likely accepted

Risky, refused or unclear

  • 1:1 coaching Refused
  • Group coaching Refused
  • Consulting Refused
  • Physical goods Refused
Unclear
  • Online courses Unclear
  • Communities Unclear
  • Templates Unclear
  • Ebooks Unclear

Tax coverage

EU VAT
Yes
UK VAT
Yes
US sales tax
Verify
Canada GST/HST
Verify
Australia GST
Verify

FINBPM markets VAT/GST/tax workflows, but public legal docs frame the service as master-merchant/payment aggregation and do not publish a complete tax-jurisdiction list.

Product features

Hosted checkout
Yes
API
Yes
Subscriptions
Yes
One-time payments
Yes
Installments
Verify
Usage-based billing
Yes
Refund handling
Yes
Chargebacks
Yes
Affiliate system
No

Geography and payouts

Seller countries
Public terms limit merchant eligibility to EEA and UK entities; outside EEA/UK requires direct verification.
Customer countries
FINBPM markets global selling, but no public customer-country list was found.
Payout countries
Payout-country coverage is not publicly enumerated; settlement details are agreed in writing.
Payout currencies
Payout currencies are not publicly enumerated.

Source links

Information missing?

Some provider details may be incomplete, unclear, or not publicly documented yet. If you work at FINBPM, use this form-style email to send official sources for pricing, VAT coverage, accepted products, payout countries, invoices, or Merchant of Record responsibility.

Missing info? Contact us Report outdated data

We prioritize official documentation links and written provider confirmations. Sponsorship never changes editorial ratings.