---
title: "Merchant of record, defined | Agent Ready Checkout"
description: "Merchant of record: The party that sells to the buyer, appears on the statement, and carries refunds, tax and chargebacks."
canonical: https://agentreadycheckout.com/glossary/merchant-of-record
site: "Agent Ready Checkout"
last_updated: 2026-11-04
section: "Glossary"
---

# Merchant of record, defined | Agent Ready Checkout

> Merchant of record: The party that sells to the buyer, appears on the statement, and carries refunds, tax and chargebacks.

Source: https://agentreadycheckout.com/glossary/merchant-of-record
Site: Agent Ready Checkout
Last reviewed: 2026-11-04

Glossary

# Merchant of record

In short

Merchant of record: The party that sells to the buyer, appears on the statement, and carries refunds, tax and chargebacks; in current agent protocols this stays the merchant. Merchant of record appears in 24 sourced facts on this site, the first in Agentic Commerce Protocol (ACP). Example: ucp.dev states that businesses remain the Merchant of Record.

## Definition

The party that sells to the buyer, appears on the statement, and carries refunds, tax and chargebacks; in current agent protocols this stays the merchant.

## Example

ucp.dev states that businesses remain the Merchant of Record. [ucp.dev](https://ucp.dev/), read 4 Nov 2026.

## Where it appears in the sourced facts

-   The ACP site says businesses remain merchant of record and names Stripe as the first compatible PSP through its Shared Payment Token. [agenticcommerce.dev](https://www.agenticcommerce.dev/), read 4 Nov 2026. In [Agentic Commerce Protocol (ACP)](https://agentreadycheckout.com/protocols/acp).
-   The README says ACP lets an AI agent embed commerce "without being the merchant of record". [github.com](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol), read 4 Nov 2026. In [Agentic Commerce Protocol (ACP)](https://agentreadycheckout.com/protocols/acp).
-   ucp.dev lists shopping co-developers Google, Shopify, Etsy, Wayfair, Target, Walmart, Amazon, Microsoft, Meta, Salesforce and Stripe, and states that businesses "remain the Merchant of Record". [ucp.dev](https://ucp.dev/), read 4 Nov 2026. In [Universal Commerce Protocol (UCP)](https://agentreadycheckout.com/protocols/ucp).
-   Google's Merchant Center help says UCP checkout puts a Buy button on eligible listings in AI Mode and Gemini "while keeping you the merchant of record", for select merchants, using standard card numbers (FPANs) from Google Wallet today. [support.google.com](https://support.google.com/merchants/answer/16837055), read 4 Nov 2026. In [Universal Commerce Protocol (UCP)](https://agentreadycheckout.com/protocols/ucp).
-   The suite has three layers: Agentic Feed (catalog), Agentic Cart (checkout orchestration) and Agentic Payments (payments, fraud, token portability, merchant of record preservation). [adyen.com](https://www.adyen.com/press-and-media/adyen-agentic), read 4 Nov 2026. In [Adyen Agentic](https://agentreadycheckout.com/processors/adyen-agentic).

## Nearby terms

-   [Dispute Condition 10.4](https://agentreadycheckout.com/glossary/dispute-condition-10-4)
-   [Agentic Storefronts](https://agentreadycheckout.com/glossary/agentic-storefronts)
-   [Link Agent Wallet](https://agentreadycheckout.com/glossary/link-agent-wallet)
-   [All terms](https://agentreadycheckout.com/glossary)

## Sources

1.  [ucp.dev/](https://ucp.dev/), read 4 Nov 2026
2.  [agenticcommerce.dev/](https://www.agenticcommerce.dev/), read 4 Nov 2026
3.  [ACP repository README](https://github.com/agentic-commerce-protocol/agentic-commerce-protocol), read 4 Nov 2026
4.  [Merchant Center help: UCP-powered checkout](https://support.google.com/merchants/answer/16837055), read 4 Nov 2026
5.  [adyen.com/press-and-media/adyen-agentic](https://www.adyen.com/press-and-media/adyen-agentic), read 4 Nov 2026

Last reviewed 4 Nov 2026

## Edition

Matrix edition of 4 Nov 2026.

Reviewed 4 Nov 2026, [5 sources](#sources-h).

## Method

[How cells, sources and read dates are defined](https://agentreadycheckout.com/method)