# Who is the merchant of record?

This is who is legally responsible for a card payment. On Fidella, payments for paid offers go through Fidella's own account whether or not you have connected your bank details. Connecting changes where the money goes next, not who is responsible for the payment.

Source: https://fidella.app/glossary/merchant-of-record
Last reviewed: 2026-08-30

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A term that matters when working out who handles a dispute and who issues what
kind of document.

## What it decides

Who the cardholder's bank deals with, and who is answerable for the transaction
itself.

## Fidella receipts are not tax invoices

Fidella issues receipts for purchases made through it. Where the underlying
goods or services come from a merchant, requests for a tax invoice go to that
merchant.