Products · Compliance

One compliant counterparty. Not a thousand.

With Talentir as your Merchant of Record, there is only ever one counterparty on the other end: us. We become the counterparty to every one of your payees, and the tax, KYC and anti-money-laundering obligations around them become ours to carry. Your compliance surface shrinks from thousands of payees to one.

Youone counterparty on the other end
You payInvoice
TalentirMerchant of Record compliant counterpartyTalentir issues the invoices
Talentir paysInvoice
Your payeesTaxKYCAML

The Merchant-of-Record difference

Your compliance surface, minus the surface.

Every payout platform moves money. The difference is who carries the compliance obligations once it has moved. With Talentir as Merchant of Record, we do.

With Talentir as Merchant of Record

  • One compliant counterparty to trust: us.
  • Payout-related tax obligations: carried by us.
  • AML/CFT responsibility on payees: carried by us.
  • The regulatory liability sits with us.

Without a Merchant of Record

  • You verify every payee's identity and business (KYC/KYB).
  • You collect and store their tax forms, and file the reports.
  • You screen each payee against sanctions and watchlists.
  • You monitor payments for money-laundering risk.
  • You carry the regulatory liability for every cross-border payout.

Tax

The payout tax responsibility sits with us.

As Merchant of Record, Talentir is the counterparty on every payout, so the payout-related tax obligations that would otherwise fall on you sit with us. VAT is applied where it is due and a compliant invoice is issued to both sides, keeping the paperwork correct on each end.

InvoiceCompliant
Payout€1,000.00
VATApplied where due
Invoice issued toBoth sides
Counterparty of recordTalentir

Compliance

We're the counterparty that's already compliant.

Because every payout runs through Talentir as Merchant of Record, your only counterparty is one compliant, supervised entity. Talentir is a member of a self-regulatory organization under the Swiss Anti-Money Laundering Act, protects payee data to GDPR standards, and keeps its regulatory relationships current. Whether your counterparty is compliant is a question you only have to ask once, about us.

Your compliant counterparty

  • Merchant of Record on every payout
  • Member of a self-regulatory organization under the Swiss Anti-Money Laundering Act
  • GDPR-grade data protection
  • Ongoing regulatory monitoring & full audit trail

AML / CFT

Money-laundering obligations: on our side of the line.

Anti-money-laundering and counter-terrorist-financing obligations around your payees sit with Talentir. As the counterparty to every payout and a Swiss financial intermediary, we carry that responsibility as part of our own regulatory duties. You never have to stand up an AML program to pay a creator.

AML / CFT, our responsibility

  • AML/CFT obligations carried by Talentir
  • Part of our duties as a Swiss financial intermediary
  • The responsibility for payee checks sits with us
  • No AML program needed on your side

Payouts. Solved.

One payout or a thousand: every payee paid their way, with a compliant invoice for both sides. Talentir carries the liability and makes payouts profitable.

Payouts. Solved.One click for 1 or 1,000.