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Bring Your Own Processor (BYOP) connects your own Stripe or Adyen account to Dodo Payments. Payments from the countries you choose run on your processor account, while Dodo Payments runs everything around the transaction: products, subscriptions, license keys and the entitlement engine, invoicing, the Customer Portal, and analytics. For each customer country, you choose who processes the payment: your processor, which makes you the legal seller for that route, or Dodo Payments as your full-service Merchant of Record. Payments from countries without a route go to Dodo Payments.

Route by Geography

Send payments from specific countries to your own processor, and everything else to Dodo Payments.

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 Payments runs products, subscriptions, invoices, and analytics across both routes.

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BYOP vs. Dodo as Merchant of Record

The two models run side by side. Each payment follows the route set for the customer’s country. To see this comparison in the dashboard, select Show Comparison under Settings → BYOP.
A common setup is hybrid: route a country where you already have a registered entity and processor (for example, your home market) to your own processor, and let Dodo Payments handle the rest of the world as Merchant of Record.

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Supported Processors

You can connect Stripe and Adyen.

Stripe

Adyen

Payments routed through your own processor support credit and debit cards only.
Stripe and Adyen both require raw card API access on your account, so that Dodo Payments can run billing on top of your processor. Each processor enables it on request, so contact the processor’s support before you connect. The connection step of the setup wizard shows the same requirement, with a View documentation link to the Stripe and Adyen guides.

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Set Up BYOP

To start the setup wizard, open Settings → BYOP in the dashboard and select Configure on the Bring Your Own Processor card.
Connections are configured per environment. A processor you connect in test mode (shown as Sandbox) is separate from one you connect in live mode (shown as Production). To test before you go live, set up both. The setup wizard uses the mode set by the Live Mode switch in the sidebar.
BYOP settings showing the Merchant of Record and Bring Your Own Processor options with a feature comparison
1

Choose a Payment Processor

In Select Payment Processor, select Stripe or Adyen, then select Continue.
Select Payment Processor dialog with Stripe and Adyen options
2

Connect Your Account

Enter the connection details, then select Connect processor:
  • Processor Name: a name for this connection, 2–75 characters. A name helps when you connect several accounts from one processor, for example Stripe US and Stripe UK.
  • Secret Key: your processor’s API key for the current mode. For Stripe, this is your sk_... secret key.
  • Merchant Account (Adyen only): your Adyen merchant account identifier.
Connect Your Stripe Account step showing processor name, secret key, webhook endpoint, and signing secret fields
Dodo Payments creates the connection and shows a Webhook Endpoint URL unique to it. Add that URL as a webhook destination in your processor’s dashboard. Then paste the Webhook Signing Secret into Dodo Payments and select Save & continue:
  • Stripe: the signing secret of the webhook endpoint you added.
  • Adyen: the HMAC key from Customer Area → Webhooks.
Until you save the signing secret, the connection shows as Incomplete under Edit Configuration. After you save it, the connection shows as Connected.
After you connect, your secret key is stored securely and can’t be viewed or changed. The Adyen merchant account can’t be changed after setup either. In your processor, you configure only the webhook URL that Dodo Payments generates; you never work with the underlying infrastructure directly.
3

Configure Payment Routing

Add routing rules that map customer countries to a processor. Each country routes 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 route, as Merchant of Record.
Configure Payment Routing step showing Stripe US routed to United States and Dodo Payments as the Rest of the World default
To assign one or more countries to a processor, select Add Route, choose the processor, and select the countries. A country that is already routed to another processor can’t be added.
Add Route panel selecting a processor and countries
Routing Guidelines
  • Rest of the World covers every country without a route.
  • Dodo Payments Merchant of Record routes handle compliance and tax automatically.
  • Routes on your own payment processor require separate tax configuration if needed.
4

Configure Invoice Information

On payments routed through your own processor, you are the seller on the invoice. Enter the business details for those invoices:
  • Registered Business Name (required).
  • Tax ID (EIN, SSN, etc.) (optional): 3–32 letters, numbers, or dashes. Format validation is available for US EINs.
  • Statement Descriptor (required): what customers see on their bank statement. Use 5–22 letters, numbers, spaces, _, or -.
  • Registered Business Address (required): start typing to search for your address, or enter it manually.
  • Privacy Policy Link and Terms of Service Link (required).
The Invoice Header Preview shows how the details appear. These details apply only to invoices for routes your own processor handles. Payments routed to Dodo Payments keep the Dodo Payments Merchant of Record details.
Configure Invoice Information step with business details and a live invoice header preview
5

Review and Finish

Review your processor connection, routing rules, and invoice details. Select I confirm that the routing and billing details are correct, then select Finish setup.
Review Your Configuration step summarising the processor, routing, and invoice details
After setup, the Bring Your Own Processor card shows Edit Configuration, where you add processors and edit routing and invoice details. To send all payments through Dodo Payments as Merchant of Record again, select Edit routing rules, open each route, and turn off Enable processor. Disabled processors are skipped during payment routing, and subscriptions on a disabled processor can’t renew.
BYOP settings after configuration showing Edit Configuration and routing options

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How Routing Works

Dodo Payments picks the route from the customer’s billing country when the payment is created. The same rule applies to one-time payments, checkout sessions, and new subscriptions. Renewals reuse the processor the subscription was created on (see Subscriptions). On a route that your processor handles:
  • The payment runs on your processor account, in the billing currency.
  • Dodo Payments doesn’t calculate or collect tax. You’re responsible for tax on that route.
  • Invoices show the business details and statement descriptor you configured, without Dodo Payments’ Merchant of Record details.
  • Your processor pays you directly. The payment amount never enters your Dodo Payments balance; only the BYOP billing fee is recorded there.
On a route that Dodo Payments handles (Rest of the World), Dodo Payments is your full-service Merchant of Record. It handles tax, compliance, fraud screening, and aggregated payouts, and gives you tools to prevent and respond to disputes. You bear the cost of disputes on these payments.

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Subscriptions

A subscription stays on the processor it was created on. At renewal, Dodo Payments charges that same processor with the payment mandate stored when the customer subscribed, and doesn’t re-evaluate routing rules. Payment method updates for the subscription go through the same processor. Whether Dodo Payments calculates tax on a subscription is also fixed when the subscription is created.

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Seeing Which Processor Handled a Payment

After you configure BYOP, the Payments and Disputes tables show a processor icon (Stripe, Adyen, or Dodo Payments) on each row. Payment and dispute detail pages add a Payment Processor field, so you can tell which route handled a transaction.

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Refunds, Disputes & Payouts

Start refunds from the Dodo dashboard as usual. For a payment routed through your own processor, Dodo Payments sends the refund to that processor, which returns the funds; the refund doesn’t draw on your Dodo Payments balance. For a Dodo-routed payment, Dodo Payments processes the refund.

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Analytics

Revenue, tax, and subscription analytics include both routes, so you see all of your billing in one place. Disputes and payouts widgets show Dodo-processed activity only. Activity on your own processor also appears in that processor’s dashboard.

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Billing Fee

Dodo Payments charges a BYOP billing fee on each payment routed through your own processor, because Dodo Payments still runs your products, subscriptions, invoicing, and analytics on those payments. The default rate is 0.5% of the payment’s USD-equivalent amount, and the exact rate is confirmed when BYOP is enabled for your account. The fee appears as a byop_fee entry in your balance ledger. To discuss your rate, contact the team.

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Frequently Asked Questions

Stripe and Adyen. Both require raw card API access on your account, which you request from the processor’s support. See the Stripe and Adyen guides.
Yes. Assign specific countries to your processor and leave the rest as Rest of the World, which Dodo Payments handles as Merchant of Record. Each country routes to exactly one processor.
You are. On routes that your own processor handles, you remain the legal seller and are responsible for tax, chargebacks, PCI compliance, and payouts on those transactions.
No. Dodo Payments doesn’t calculate or collect tax on routes that your own processor handles; you manage tax for those transactions. Dodo Payments continues to handle tax on payments routed to Dodo Payments as Merchant of Record.
Renewals on that processor fail while it’s disabled, because each subscription renews on the processor it was created on. These renewals appear as failed payments in the dashboard.Dodo Payments also pauses payment recovery emails for those subscriptions. Re-enable the processor to restore renewals; paused recovery attempts then resume.

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Get Started

What is Merchant of Record?

Understand how the Dodo Payments full-service Merchant of Record model works.
Senast ändrad 26 september 2026