You keep the product.
We become the seller on record.
Checkout, subscriptions, payouts, and the tax paperwork that shows up when you sell across borders — one merchant on every receipt, so your team ships product instead of payments infrastructure.
New sale
$480.00
kai@launchpad.dev
Balance — example account
Illustrative — derived live from the ledger on every real account.
One merchant of record standing behind every sale.
A ledger you can audit
Every payment posts a balanced, append-only ledger entry. Available, pending, and reserve balances are always derived live.
Card-network liability, absorbed
Chargebacks, fraud liability, and the merchant-account relationship sit with us, not your entity.
Tax determined at the sale
VAT, GST, and sales tax are calculated and collected as part of checkout — not discovered later.
Built for developers
Secret API keys, signed outbound webhooks, and idempotent mutations — the primitives a real integration needs.
A checkout page for every price, styled to convert.
Every product gets a hosted checkout page at its own slug — share it in an email, a pricing page, or a sales deck. No storefront rebuild required.
- Guest checkout by default — no forced account creation
- Full price, tax included, shown before the final step
- Card details entered on the payment provider’s secure page
Northwind Labs
Analytics Pro
Team dashboards, exports, and alerts.
Card details are entered on the payment provider’s secure page
Trials, renewals, and dunning — handled as a real state machine.
Failed renewal charges don't mean a lost customer. Card-updater coverage and a real retry schedule recover what's recoverable before anything reaches cancellation.
- Trialing → active → past due → canceled, explicitly modeled
- Card-network account updater coverage on file changes
- Every state transition visible in the dashboard, not a black box
ada@example.com
Analytics Pro · $49.00 / month
Started
Jun 3, 2026
Trial
14 days
Status history
- Created astrialingJun 3, 2026
- trialing→activeJun 17, 2026
- active→past dueAug 17, 2026
- past due→activeAug 19, 2026
Tax handled at the point of sale, not discovered at filing time.
VAT, GST, and sales tax obligations follow your buyer, not your entity. As merchant of record, we determine, collect, and remit — and generate the invoice your customer actually needs.
- Buyer-location tax determination on every transaction
- B2B reverse-charge handling where a valid tax ID applies
- A real invoice, generated and delivered automatically
Invoice
INV-000184
From
Northwind Labs Ltd
GB · Tax ID GB123456789
Billed to
ada@example.com
DE
- Subtotal
- $49.00
- Tax (VAT, DE)
- $9.31
- Total
- $58.31
Available, pending, and reserve — always three separate, honest numbers.
No mutable balance columns pretending to be authoritative. Every figure in your dashboard is derived live from the same ledger that posts every transaction.
- Real-time balance broken into available, pending, and reserve
- Payout history and reserve policy, visible, not opaque
- Reporting built for finance, not just engineering
Balance
Live from the ledger
Available
$12,480.00
Pending
$3,140.00
Reserve
$920.00
Payout in transit
$2,000.00
Recent transactions
Checkout as an API, when you want more control.
Manage your catalog from your own backend with a secret key, create checkout sessions server-side, and react to signed webhook events — the hosted page is a starting point, not the only integration surface.
- Idempotency keys on authenticated mutating requests
- Signed outbound webhooks with automatic retry
- Secret keys hashed at rest, shown only once at creation
curl https://api.bnseven.com/v1/products \ -H "Authorization: Bearer $BNSEVEN_SECRET_KEY" \ -H "Idempotency-Key: $(uuidgen)" \ -H "Content-Type: application/json" \ -d '{ "name": "Analytics Pro", "description": "Team dashboards, exports, and alerts.", "type": "subscription", "checkoutSlug": "analytics-pro", "taxCategory": "saas_subscription" }'Merchant review runs in the background — building your catalog doesn't wait for it.
Submit your company details once. You can add products, prices, and API keys immediately — live checkout and payouts unlock the moment review clears and payment processing is enabled.
Business verification
Northwind Labs Ltd · GB
Business details
Registration number, address, country
Beneficial owners
2 owners added
Supporting documents
3 files uploaded
- Certificate of incorporationPDF · 412 KB
- Government-issued IDJPEG · 1.2 MB
- Proof of addressPDF · 238 KB
Compliance review
Our team is reviewing your submission
Review outcomes: approved, needs more info, or rejected.
Card data never touches your servers.
Minimal PCI scope
Hosted checkout keeps raw card numbers off your infrastructure entirely.
Signed, verified webhooks
Every inbound and outbound webhook is signature-verified before anything is trusted.
Scoped, hashed API keys
Secret keys are hashed at rest, shown once at creation, and limited to catalog management — never money movement.
Buyer's browser
Opens your checkout link
BNSeven hosted checkout
pay.bnseven.com — collects email, country and an optional coupon
Payment provider's hosted page
Card number, expiry and CVC are entered only here
payment.succeeded — never card numbers.Built around how software companies go to market.
SaaS companies
Trials, renewals, and dunning running underneath a hosted checkout link you can share anywhere your customers already are.
Digital products
One-time sales across borders, with tax determined and collected at the point of sale instead of discovered at filing time.
Agencies & consultants
Send a payment link, keep the books clean, and give clients a pay experience that matches the rest of your work.
Customer
Buys Analytics Pro from Germany
Pays $58.31
$49.00 + 19% VAT, calculated at checkout
BNSeven
Merchant of record
- The seller named on the customer’s receipt
- Tax determined by the buyer’s location
- Handles chargebacks and card-network disputes
Payout, net of fees
Credited to your balance first
Your business
Keeps the product and the customer relationship
Sell across borders without registering in every jurisdiction yourself.
Tax obligations follow your buyer’s location, not your company’s. As merchant of record, that registration and remittance work is ours to carry.
Three steps to taking live volume.
Apply
Tell us about your business — what you sell, your site, and your expected volume. Our team reviews every application by hand.
Create your account
Approved applicants get an email with a link to set up their account and start building their catalog while compliance review runs.
Go live
Once your account is approved and payment processing is enabled on the platform, checkout goes live and payouts unlock — same dashboard, same API, from your first sale onward.
Questions finance and product ask first.
What does "Merchant of Record" actually mean?+−
We become the seller on every transaction — the entity on the receipt, responsible for payment processing, fraud liability, and the tax paperwork a cross-border sale creates. You keep your product and your customer relationship. Read more in our guide to what a merchant of record actually means.
How is this priced?+−
A transparent platform fee plus the processor's own rate, taken out of each payment before it's credited to your balance — visible on every transaction, never a separate invoice you have to reconcile by hand.
What happens while my account is under review?+−
Once your account is created, you can build your full catalog — products, prices, coupons — right away. Live checkout and payouts unlock once business verification approves your account and payment processing is enabled on the platform.
Can I use my own checkout, or does it have to be hosted?+−
Both. Use our hosted checkout link as-is, or drive the same checkout session creation from your own backend with a secret API key if you want more control over the surrounding page.
Notes on selling software, well.
PCI Scope and Why It Shapes Checkout Architecture
PCI DSS compliance isn't a certificate you buy — it's a scope of responsibility that depends entirely on how your checkout is built.
Choosing Between Self-Managed Payments and a Merchant of Record
There's no universally correct answer. There is a clear-headed way to work out which one is right for where your business actually is.
Webhooks, Idempotency, and Why Payment Integrations Break
Most payment-integration bugs aren't about the happy path. They're about retries, duplicate deliveries, and out-of-order events.
Put a merchant of record behind every sale.
Create an account and start building your catalog today — live checkout unlocks once your account is approved and payment processing is enabled on the platform.