Ruba
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Ruba product infrastructure

Put the regulatory sale on Ruba

Use one commercial layer for payment, tax, buyer documents, refunds, and disputes.

Read the technical guide ›

For an approved Merchant of Record Transaction, Ruba is the reseller to the Buyer. You continue to own the Product and customer experience while Ruba is responsible for the Buyer Transaction it accepts.

Capability matrix

Processing money is not the same as being the seller

Payment service provider

You remain merchant

The provider moves funds, while your company remains responsible for the sale and its tax obligations.

Merchant of Record

Ruba is reseller

Ruba contracts with the buyer for the accepted digital sale and carries the related transaction obligations.

Architectural boundaries

One sale, two clear areas of ownership

01

Ruba handles for accepted Transactions

  • Buyer payment and the commercial transaction record
  • Applicable sales-tax calculation, collection, filing, and remittance
  • Tax-correct invoices and receipts
  • Refund and dispute administration
02

You continue to own

  • The Product and its promises
  • Customer support and the ongoing relationship
  • Your application experience and account access
  • Product configuration, pricing, and fulfillment rules

Execution workflow

What happens to an international order

  1. 01

    Buyer is evaluated

    Location and tax status determine the treatment available for the checkout.

  2. 02

    Payment is authorized

    The buyer sees the product, seller, tax treatment, and final amount before paying.

  3. 03

    Documents are issued

    The completed order produces the invoice or receipt attached to that sale.

  4. 04

    Tax is handled

    For supported jurisdictions, Ruba records and remits the collected obligation.

  5. 05

    Later events stay connected

    Refunds adjust the transaction and tax record; disputes remain tied to the same order.

01

Supported-market coverage

Apply the MoR model where Ruba is approved to accept the sale.

02

Buyer documents

Keep invoices and receipts attached to the order lifecycle.

03

Transaction liability

Move accepted international sales-tax obligations to Ruba.

04

Business tax status

Support applicable reverse-charge treatment for verified EU businesses.

Build with Ruba

Prepare to sell across borders

Use Ruba as the commercial counterparty for supported digital sales.