PayFac vs Merchant of Record: The Risk No One Explains | Guest Deana Rich of Infinicept | PEP104
About this episode
The episode discusses the complexities of PayFac and Merchant of Record, highlighting the risks involved and featuring insights from guest Deana Rich of Infinicept.
“Merchant of record” sounds easy, until you realize it isn’t a defined term. We break down PayFac vs MOR, why rules exist, and how people accidentally step into money transmitter risk. PayFac is one of those payments terms people toss around until they’re the one holding the liability. We sit down with Deana Rich of Infinicept (https://www.infinicept.com/) to map the real payment facilitator story, from the scrappy early days of online “aggregators” to the moment Visa and Mastercard finally ...
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