Merchant checkout
OpenPia is presented as the merchant for approved transactions and provides the checkout layer.
The merchant layer
You build the product.We run the transaction.
OpenPia sits between your digital business and the buyer as the Merchant of Record. We operate the commercial layer behind eligible sales so your team can focus on the product and its customers.
Discuss your productThis is not simply a payment button. The merchant shown at checkout also takes responsibility for the receipt, transaction record, refund workflow, dispute handling and seller settlement.
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The transaction
What OpenPia takes on
The responsibilities that turn a payment into a properly operated digital sale.
Receipts and records
Each completed sale is recorded and the buyer receives the appropriate transaction document.
Refund operations
Buyer requests are evaluated against the applicable product terms and processed through a defined workflow.
Dispute handling
Transaction evidence, customer communication and resolution are coordinated at the merchant layer.
The relationship
How the money and contracts connect
A clear division between buyer, merchant and seller avoids the ambiguity of informal collections.
Buyer and OpenPia
The buyer purchases through OpenPia under the checkout terms shown for the transaction.
OpenPia and seller
The approved seller supplies or licenses the digital product under a separate seller agreement.
Transaction deductions
Agreed fees, refunds, reserves and applicable transaction obligations are accounted for before settlement.
Seller payout
Eligible proceeds are paid to the seller according to the agreed settlement schedule and account details.
A commercial operating layer, not another dashboard.
Start with an eligibility review. We will map your product, delivery model, buyers and refund policy before proposing an onboarding path.
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