Global payments · Tax handled
Sell your software. We’ll handle payments.
Accept payments from customers in 40+ countries. As your merchant of record, we handle sales tax, fraud checks and disputes.
Localized checkout across web and in-app payments
Convert more customersFraud protection with automated dispute management
Reduce chargebacksFlexible merchant of record coverage
Customize your setupBank-grade security with encryption end to end
See how we protect you
Localized checkout
Checkout that feels local, on web and in-app
Customers can check out in their own language and currency, using payment methods they know. It works on your website and inside your app.
Explore online paymentsAccess 20+ payment methods
Let customers pay by card, wallet or local methods like iDEAL, Pix, UPI and BLIK.
Present in local currencies
Show prices, taxes, and totals in the buyer's currency and language, converted at the latest exchange rate.
One checkout for web and in-app
Use the same checkout on your website and in your iOS and Android apps with one integration.
Platform
From checkout to payout,
one platform.
Payments, tax, fraud, billing and payouts, run by the merchant of record.
Sell in local currencies from day one
Customers see prices in their currency and pay with the methods they already use.
Every payment scored in under 800ms
Risky payments are stopped before they settle.
Tax filed where you sell
We calculate, collect and remit sales tax and VAT as the seller.
Subscriptions, usage and invoices
Charge monthly, yearly or based on how much a customer uses.
One API, typed SDKs
Create a checkout in a few lines of TypeScript or Go.
Payouts to your bank
ACH payouts to US bank accounts, and payouts to banks abroad.
Store sensitive data as tokens
Vault keeps raw card numbers off your servers.
Fraud protection
Stop fraud without stopping good customers
Pandabase scores every payment in real time, challenges the risky ones, blocks the fraudulent ones, and fights disputes for you, so you keep the revenue and lose the chargebacks.
Explore fraud preventionRisk scoring on every payment
Each payment is scored in milliseconds using hundreds of signals from across the Pandabase and partner network.
Adaptive 3D Secure
Ask for bank verification only when risk is elevated, so good customers never hit extra steps.
Disputes handled for you
As your merchant of record, Pandabase responds to chargebacks with evidence on your behalf.
$168.00
maya@northwind.io
Card ending in 4242
Risk score
8/100
Device fingerprint
fp_3c9e… seen on 12 prior payments
IP & geolocation
73.162.x.x · San Francisco, US · residential
Velocity
1 attempt in the last 24 hours
Low risk. Sent to the card network for authorization.
Merchant of record
What Pandabase takes on as the seller
As merchant of record, Pandabase sells to your customers on your behalf and takes on the obligations that come with it.
Sales tax & VAT
We register, collect, file and pay.
Pandabase is the seller on every order, so tax registrations, returns and payments in each country are ours to handle, along with the liability.
- Without MoR
- Register in every country you sell to
- With Pandabase
- Pandabase files and remits
Tax returnsFiled by PandabaseRemitted for Q3 2026
€4,812.20
- Tax
- VAT (OSS) · 19%
- Registered as
- Pandabase
- Return due
- Oct 31
- Status
- Filed and paid
You don't register or file in any of these countries.
Local compliance
Invoices and consumer rules, handled.
Invoice requirements and refund rights differ by country. We handle those requirements for the orders we sell on your behalf.
- Without MoR
- Track rules market by market
- With Pandabase
- Built into every checkout
InvoicesLocalizedRechnung
INV-2026-10482
Pandabase
Seller of record
for Linework
- Nettobetrag
- €37,82
- MwSt. 19 %
- €7,18
- Gesamt
- €45,00
14-day withdrawal right shown at checkout
Issued automatically in the buyer's language and currency.
Fraud & disputes
Chargebacks come to us.
We screen every payment and respond to disputes with the evidence. Fraud losses on covered orders don't land on your balance.
- Without MoR
- Fight disputes yourself
- With Pandabase
- Pandabase responds and absorbs fraud
Dispute dp_1Mx7$144.00Chargeback received
Sep 14 · reason: fraudulent
Evidence sent by Pandabase
Sep 16 · receipt, login history, IP
Bank rules for the cardholder
Oct 2 · loss covered by Pandabase
- Payment amount
- Covered by Pandabase
- Your time spent
- None
Dispute fees follow our pricing. Fraud losses on covered orders are ours.
Billing support
Payment questions go to our team.
Buyers see Pandabase on their statement and receipt, so questions about charges, refunds and receipts come to us instead of your inbox.
- Without MoR
- Answer every billing email
- With Pandabase
- Handled by Pandabase support
Billing inboxAnswered by PandabasePandabase support replied
That's your Linework subscription. We handle billing for Linework, and your receipt is attached.
Buyers see Pandabase on their statement and receipt.
Flexible coverage
Use it everywhere, or only where it helps.
Turn merchant of record on per country, product or checkout. Keep the rest of your sales on standard payments, all in the same dashboard.
merchant_of_record: true- DEPro planord_1042Pandabase is the seller
- USPro planord_1043Pandabase is the seller
- FRTemplatesord_1044Pandabase is the seller
- GBPro planord_1045Pandabase is the seller
- USTemplatesord_1046Pandabase is the seller
5 of 5 orders covered. The rest run as standard payments on your own account.
Security
Card data never touches
your servers.
Sensitive details go straight to a certified vault, and we never sell your customers' data.
Input · Card number
4242 4242 4242 4242
Output
07e5c3a18f6d4b29
Visa •••• 4242
Tokenized card data
Card details go straight from checkout to the vault. You get back a token and the last four digits.
PCI DSS Level 1 vault
Card numbers are stored with a Level 1 certified vault, not in our database or yours.
PCI DSS compliant
Validated with a Self-Assessment Questionnaire, so your own scope stays small.
Tier-one clouds
Runs on Cloudflare, AWS and Akamai, each with the certifications payment infrastructure needs.
Role-based access
Decide who can issue refunds, change payout details or create API keys.
Audit log
Every refund, payout change, API key and sign-in, with who did it and when.
Used by software companies in 40+ countries
40+
countries where we support merchants
40+
currencies supported
800ms
to score a payment for fraud
99.9%
uptime across checkout and payouts
Pandabase is built for companies selling software and digital products online, including:
- SaaS subscriptions and usage-based products
- AI products billed by tokens, credits or seats
- Downloads, licenses, templates and other digital goods
- Teams selling internationally from day one