Resources
Tax, payments and pricing for digital sellers
Field notes from running merchant of record infrastructure for course creators and SaaS companies — written for founders, not for tax lawyers.
Fundamentals · FeaturedMerchant of Record Explained: What It Means for Digital Sellers
A merchant of record takes legal ownership of every sale — handling tax, compliance, chargebacks and payouts. Here is how the model works for course and SaaS sellers.
June 12, 2026 · 7 min read
EU VAT on Digital Products: The 2026 Rules for Course Creators
EU VAT on digital products applies from your first sale, is charged at the buyer's local rate, and requires evidence of location. Here is what compliance actually involves.
June 28, 2026 · 9 min read
PaymentsHow to Reduce SaaS Chargebacks Without Losing Good Customers
Most SaaS chargebacks are friendly fraud caused by unrecognised billing descriptors and silent renewals. A practical playbook for cutting dispute rates below 0.3%.
July 9, 2026 · 6 min read
GrowthGlobal Pricing for Digital Courses: Currencies, PPP and Conversion
Local currency pricing lifts checkout conversion measurably. How to structure multi-currency, purchasing-power and tax-inclusive pricing for a worldwide course audience.
July 21, 2026 · 8 min read
FundamentalsMerchant of Record vs Stripe Direct: A Real Cost Comparison
MoR fees look higher than raw processing until you price in tax registration, filings, dispute handling and engineering time. A line-by-line comparison for digital sellers.
July 30, 2026 · 10 min read
PaymentsFailed Payments and Involuntary Churn: A Recovery Playbook
Involuntary churn silently removes a chunk of SaaS revenue every month. Smart retries, card updater services and pre-dunning emails recover most of it.
August 6, 2026 · 7 min read
Tax & ComplianceUS Sales Tax on Digital Goods: Nexus, Thresholds and SaaS
US digital goods taxability differs in every state. Economic nexus thresholds, SaaS classification and marketplace rules explained for sellers outside the US.
August 14, 2026 · 8 min read
GrowthCheckout Conversion for Digital Products: 12 Fixes That Work
Digital checkouts lose buyers to friction, not price. Field-tested changes to fields, payment methods, trust signals and mobile flow that lift completion rates.
August 22, 2026 · 6 min read
Tax & ComplianceUK VAT on Digital Services: What Non-UK Sellers Need to Know
The UK left the EU VAT system, so selling digital products to British buyers is its own compliance project: no threshold for overseas sellers, HMRC registration, and quarterly returns.
August 28, 2026 · 7 min read
PaymentsSCA and 3-D Secure: Keeping European Checkouts Converting
Strong Customer Authentication is mandatory for most European card payments. How 3-D Secure works, where exemptions apply, and how to stop authentication from eating your conversion rate.
September 4, 2026 · 8 min read
GrowthDesigning a Refund Policy for Digital Products That Sells More
A refund policy is conversion copy, legal compliance and dispute prevention in one paragraph. How to set windows, handle consumption, and stay on the right side of consumer law.
September 11, 2026 · 7 min read