Route by geography
Send payments from specific countries to your own processor, and everything else to Dodo.
Keep your processor accounts
Continue using your existing Stripe or Adyen accounts and relationships.
Stay the merchant of record
On your own routes, you remain the legal seller and control tax, disputes, and payouts.
One billing layer
Dodo powers products, subscriptions, invoices, and analytics across both routes.
BYOP vs. Dodo as Merchant of Record
When you enable BYOP you choose how each payment is handled. The two models can run side by side, routed by customer country.| Feature | Dodo as Merchant of Record | Bring Your Own Processor |
|---|---|---|
| Legal seller of record | Dodo Payments | Your company |
| Tax (VAT, GST & sales tax) | Calculated, collected & remitted for you | You register, collect & file |
| Chargebacks & fraud | Liability & protection handled by Dodo | You manage with your processor’s own tools |
| PCI compliance | Handled by Dodo | You manage |
| Payment methods | 30+ global & local, multi-currency | Cards only (credit/debit) |
| Payouts | Aggregated global payouts | Direct from your processor |
| Setup | Simple, go live in minutes | Moderate, add keys & routing |
| Best for | Selling globally, hands-off compliance | Existing processor & regional control |
Supported processors
Today you can connect Stripe or Adyen. Support for more processors is on the way.Stripe
Adyen
Payments routed through your own processor currently support credit and debit cards only. We’re adding more payment methods soon.
Connections are configured per environment. The processor you connect in test mode (Sandbox) is separate from the one in live mode (Production); set up both if you want to test before going live. The setup wizard follows your dashboard’s global test/live toggle.
Set up BYOP
Open Settings → BYOP in the dashboard and select Configure on the Bring Your Own Processor card to launch the setup wizard.
Connect your account
Give the connection a Provider Name (useful when you have multiple accounts from the same processor, e.g. Stripe US and Stripe UK), then enter your processor’s Secret Key (for Stripe, your 
sk_... key).For Adyen, also enter your Merchant Account identifier.- Stripe: paste the signing secret from the webhook endpoint you added.
- Adyen: paste the HMAC key from Customer Area → Webhooks.
Your secret key is stored securely and can’t be viewed or changed after saving. You only ever configure the Dodo-generated webhook URL in your processor; you never interact with the underlying infrastructure directly.
Configure payment routing
Add routing rules that map customer countries to a processor. Each country can be routed to exactly one processor.
- Your processor handles payments from the countries you assign to it.
- Dodo Payments handles Rest of the World (every country you don’t explicitly route) as Merchant of Record.
Routing guidelines
- “Rest of World” covers all countries not listed above.
- Dodo Payments MoR routes handle compliance and tax automatically.
- Your own processor routes require separate tax configuration if needed.
Configure invoice information
For payments routed through your own processor, you are the seller on the invoice. Enter the business details that should appear on those invoices:
- Registered Business Name (required)
- Tax ID (EIN, SSN, etc.; optional, with format validation available for US EINs)
- Statement Descriptor (required): what customers see on their bank statement (5 to 22 characters)
- Registered Business Address (required): start typing to search and autofill your address
- Privacy Policy and Terms of Service links (required)
How routing works
Routing is determined by the customer’s country at payment time. The same logic applies across one-time payments, checkout sessions, and subscription sign-ups. Renewals reuse the processor the subscription was created on (see Subscriptions). On a route handled by your processor:- The payment is processed on your processor account in the billing currency.
- No tax is calculated or collected by Dodo; you remain responsible for tax on that route.
- Invoices use the business details and statement descriptor you configured, with no Merchant of Record references.
- Payouts settle directly to you from your processor; nothing flows through Dodo’s wallet.
Subscriptions
Subscriptions stay on the processor they were created on. At renewal, Dodo charges the same payment processor that was used to purchase the subscription, reusing the payment mandate stored against it. Routing rules are not re-evaluated on every renewal.Seeing which processor handled a payment
Once BYOP is configured, the Payments and Disputes tables show a processor icon (Stripe, Adyen, or Dodo) next to each row, and the payment and dispute detail pages include a Payment Processor field, so you can always tell which route handled a given transaction.Refunds, disputes & payouts
- Refunds
- Disputes
- Payouts
You initiate refunds from the Dodo dashboard as usual. For payments routed through your own processor, the refund is executed on that processor; for Dodo-routed payments, Dodo processes the refund.
Analytics
Revenue, tax, and subscription analytics include both routes so you see the full picture of your billing. Disputes and payouts widgets show Dodo-processed activity only, with a banner indicating that activity on your own processor lives in that processor’s dashboard.Billing fee
Dodo applies a small BYOP billing fee on payments routed through your own processor, since Dodo still powers your products, subscriptions, invoicing, and analytics on those transactions. It appears as abyop_fee line in your balance ledger. The default rate is 0.5%; the exact rate is confirmed as part of enabling BYOP for your account. Reach out for details.
Frequently asked questions
Which processors can I connect?
Which processors can I connect?
Can I route only some countries to my processor?
Can I route only some countries to my processor?
Yes. Assign specific countries to your processor and leave the rest as Rest of the World, which Dodo handles as Merchant of Record. Each country routes to exactly one processor.
Who is the merchant of record on BYOP routes?
Who is the merchant of record on BYOP routes?
You are. On routes handled by your own processor, you remain the legal seller and are responsible for tax, chargebacks, PCI compliance, and payouts on those transactions.
Does Dodo calculate tax on my processor's routes?
Does Dodo calculate tax on my processor's routes?
No. Tax is not calculated or collected on routes handled through your own processor; you manage tax for those transactions. Dodo continues to handle tax on Dodo-routed (MoR) payments.
What happens to active subscriptions if I disable a processor?
What happens to active subscriptions if I disable a processor?
Renewals on that processor will fail and surface as failed payments in the dashboard. Re-enable the processor to restore renewals.
Get started
What is Merchant of Record?
Understand how Dodo’s full-service MoR model works.