Merchant of Record
The Stripe setup service for founders who don't fit the box.
We set up payments under Cognito Technology Canada Inc., process them through Stripe on your behalf, and remit your revenue on a schedule that works for you.
Two-minute form, reply within one business day, no signup wall.
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Who this is for
Five common situations where Stripe alone does not work. If yours is not listed, the qualifying form below has an "other" option.
You're in a country Stripe does not support
Vietnam, most of Africa, parts of LATAM and MENA. You have customers, you have a product, you just cannot accept Stripe directly. We accept payments under our Canadian entity and remit to you on a schedule.
That's me, see if you can help
You do not have an incorporated entity yet
You want to validate the market before paying for incorporation, accounting, and a business bank account. We process your payments under ours while you decide whether the business is worth setting up properly.
That's me, see if you can help
Your Stripe account got blocked or restricted
Stripe pulled your account, froze your funds, or asked questions you cannot answer. We can get you back to processing payments in days, not the months Stripe support typically takes.
That's me, see if you can help
Your business model makes Stripe nervous
Certain digital goods, marketplaces, info products, or borderline-prohibited verticals. We work with categories Stripe is twitchy about, within reason and within Canadian law.
That's me, see if you can help
You do not want to handle the integration yourself
You are a non-technical founder. You do not want to spend two weeks reading Stripe docs, picking webhook strategies, and handling chargeback disputes. We do all of that. You ship the product.
That's me, see if you can help
How it works
Four steps from "we cannot accept payments" to "we got paid this week".
- 01
Tell us about your business
What you sell, where your customers are, what's blocking you from Stripe directly. Five-minute form. We reply within one business day with whether we can help.
- 02
We set up the payment infrastructure
Stripe account under Cognito Technology Canada Inc., proper statement descriptor (so your customers do not get confused), checkout integration, webhook handling. Typically live within one to two weeks.
- 03
Customers pay through Stripe, processed by us
Your customers see your branded checkout. The charge on their statement shows COGNITO* followed by your business name. They get receipts, refund policies, and support pointers that route back to you.
- 04
We remit your revenue on a schedule
Weekly, biweekly, or monthly transfers to your bank account, in your currency where possible. You see exactly what we received, what fees came out, and what's coming to you.
What you handle vs. what we handle
Clean separation. You focus on the business, we handle the payment plumbing.
You
- ●Your product and service
- ●Marketing, sales, customer acquisition
- ●Customer support and refund decisions
- ●Pricing, packaging, your brand
- ●Tax and bookkeeping in your country
Us
- ●Stripe account setup under our Canadian entity
- ●Payment processing and PCI compliance scope
- ●Statement descriptor management (so customers recognize the charge)
- ●Chargeback handling and evidence submission
- ●Revenue remittance to your bank on schedule
- ●Canadian tax handling on our side of the ledger
Pricing
We quote per situation because the variables matter. A pre-revenue founder in Vietnam selling a $19 digital product has a different cost structure than a $50K-per-month US SaaS whose Stripe account was blocked. A rate card would lie to one of them.
What goes into the quote:
- ●Country and currency complexity
- ●Business model and chargeback risk profile
- ●Expected monthly volume
- ●Integration work needed on your side
- ●Remittance frequency and destination
The qualifying form below gets you a real number for your situation, not a marketing range. We will tell you if we cannot help, too.
What customers see
When your customer pays, the charge appears as COGNITO* YOUR BUSINESS NAME on their statement. We maintain a dedicated lookup page so confused customers find us, not their bank's dispute button. You can link to it from your own receipts.
How it shows on the statementFEB 14COGNITO* ACME APP$49.00
Customer lookup page
cognitotech.ca/charges
Where confused customers land before they file a dispute. Link to this from your receipt emails to cut chargebacks.
See the page
Composite case
IllustrativeVietnamese SaaS founder, blocked from Stripe direct, live in 9 days
Two-person team in Ho Chi Minh City. B2B SaaS for a global audience. Stripe Vietnam waitlist was indefinite. They came to us on a Monday, were processing payments by the following Wednesday, and crossed $40,000 in processed revenue in their first quarter live.
Composite scenario based on common patterns we see with Vietnamese and Southeast Asian SaaS founders. Specifics are illustrative.
Frequently asked questions
If yours is not here, the qualifying form below has a free-text box for context.