seller of record, in every market.
Tax, disputes, risk and reporting. Everything that makes selling in-market legal, taxed and defended, carried on our side of the contract.
Book a technical walkthroughdone as the seller.
Registration, calculation, compliant invoicing and filing in every market we sell in, including e-invoicing where mandated.
defended, liability ours.
Chargebacks and disputes defended by Settld. The liability sits on our side of the contract, not yours.
fraud and underwriting, always on.
Fraud screening and merchant underwriting run continuously, protecting the platform every merchant shares.
one dashboard your cfo will use.
Transactions, settlements, disputes and exports in one place. Not a data lake, a place you close the month from.
what carrying the tax actually means
Most major African markets now tax digital services from foreign suppliers, several from the first sale, and the map moved three times in the last year. Carrying it means our registrations in each market, our compliant invoices, our filings on each market's cadence, and e-invoicing where mandated, including systems like Kenya's eTIMS and Ghana's E-VAT. It also means tracking the next reform so you do not have to. The current map is public: VAT on digital services across Africa.
disputes carried, ratios managed
Chargebacks land on our side of the contract, defended by us, with the scheme monitoring exposure that comes with dispute ratios sitting on our book. That is also why prevention runs through everything: recognisable descriptors, renewal notices, one-click cancellation and a public charge-lookup page. The cheapest dispute is the one that never starts.
underwriting protects every merchant on the platform
We underwrite at onboarding and screen continuously, because one bad actor's fraud becomes every merchant's problem on a shared platform. Some categories need additional review, and some we cannot carry at all because the law requires each seller to hold its own licence. Where the model ends is written plainly on who we serve.
frequently asked questions
In our live markets, Settld is. The merchant of record is the seller, so the registrations, invoices, filings and audit trail are ours. One commercial contract replaces a shelf of foreign tax registrations.
We track it, adjust, and keep filing correctly. Regime changes are our operating reality, not your emergency. Three of the six regimes on our public VAT map changed within the last year.
Because we carry the disputes, the fraud losses and the scheme exposure. An MoR that underwrites nobody is carrying unpriced risk, and unpriced risk eventually interrupts everyone's settlement. Underwriting is how the platform stays boring, in the good way.
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