Merchant of Record

When a customer buys from you through Crosspoint, Crosspoint is the merchant of record: the business that sells to your customer and takes their payment. You make the product; we handle the money side.

What that means for you

You don’t need your own card processor or a business that card networks approve. You sign up, get your identity verified and your account reviewed, and you can start selling to customers anywhere in the world.

Crosspoint takes care of	You take care of
Taking payments by card and wallet (Apple Pay, Google Pay)	Your product and delivering what you promised
Receipts and invoices for your customers	Supporting your customers with your product
Checking payments for fraud	Your refund policy (we can still refund to stop fraud or a chargeback)
Handling disputes with the card networks, with your evidence	Answering disputes in Sales → Disputes
Paying your balance out in your local currency or in stablecoin	Keeping your payout account up to date

What your customers see

Their card statement shows CROSSPOINT, so it’s clear who charged them.
Their receipt and invoice come from Crosspoint, with your store’s name and product on them.
The checkout tells them their order is processed by Crosspoint as the reseller.

What you can sell

Digital products and services: software, apps, courses, templates, downloads, memberships and the like. Read the acceptable use policy before you start, and see Account reviews for how we check new stores.

Learn more

Fees

6% + $0.50 per payment, nothing else.

Supported countries

Sell from any of the 54 African countries.

Payouts

Withdraw to your bank or mobile money.

Account reviews

How we review new stores.

⌘I

Get started

Features

Integrate