The All-in-One Payment Trap: Why Your Merchant of Record Will Eventually Betray You
Most indie founders seek an all-in-one Merchant of Record to handle payments and affiliate payouts. But post-acquisition degradation makes these providers a hidden risk. The real leverage isn’t finding the perfect MoR—it’s decoupling your affiliate program so it survives a provider switch. Treat your MoR as a commodity, not a partner.