Stripe is powerful, popular, and developer-friendly. But relying on one gateway is like building a mansion on a single pillar. All it takes is one flagged transaction, one spike in refunds, or one misunderstood campaign — and everything halts.
Behind the scenes, Stripe (and similar processors) operate on automated risk models. Infopreneurs often check several risk boxes: high-ticket offers, intangible products, remote or nomadic teams, and rapid growth spikes. These triggers can prompt sudden payout holds, account freezes, or even terminations without appeal.
📉 Case: Emanuele, Digital Coach
Emanuele was clearing $120K/month with his mentorship program. One month, a refund spike triggered Stripe's risk engine. His payouts were frozen without notice. Zero income. Team salaries missed. Launch delayed. It took six weeks, $9,000 in legal help, and nearly cost him his business.
A glimpse of the pain a Stripe block may cause
The Real Lesson? It’s Not About Stripe Being Bad. It’s About You Being Exposed.
Every mature business has a risk management plan. So why don’t more online entrepreneurs apply the same logic to payments?
Running without a backup processor is like driving without insurance. Your income shouldn’t rely on one login.
That’s why elite operators are shifting to a smarter structure: the Merchant of Record (MoR) model.
More Than Backup: Why MoR Is the Modern Infopreneur's Smartest Move
With the right MoR structure:
You access multiple global payment processors through a single contract
You legally route funds with 0% tax exposure on collection
You shift liability (compliance, VAT, and disputes) off your brand entirely
You maintain operational control, while the MoR handles the financial backend
Simplified Diagram illustrating an MoR structure
📅 Case Study: Scaling with Confidence
One of the agency’s clients, a 7-figure infopreneur selling digital masterminds, was struggling with processor limits and compliance flags. After transitioning to a MoR model, he gained access to three new processors instantly, expanded his global reach, and no longer worried about VAT registration or tax exposure. The MoR took full responsibility for payment compliance while he focused 100% on growth.
Who's Behind These Setups?
A specialized agency quietly helps high-level infopreneurs implement Merchant of Record structures. Their clients include remote educators, creators, and consultants earning $300K to $10M+.
They handle everything: legal setup, processor integration, tax optimization, and long-term compliance.
Want to Know If You’re at Risk?
If you’re processing $20K+/month and still relying on a single gateway, now’s the time to rethink your structure.
It’s 100% free, no commitments.
The Global Vault will give you the clarity you need.
