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Individual MoR setup

Kordiva LLC is Merchant of Record to the buyer for approved one-time digital goods and services supplied by eligible natural persons. Initial application countries: MK, AL, RS, BA.

Kordiva English application entry: email and Continue
Real Kordiva application entry in a local TEST setup. The example email was not submitted. Country fields and verification are not shown. Open full size.

Start in the correct order

Section titled “Start in the correct order”
  1. Apply as a natural person with your legal country, contact name, email and selling description. Website information, when supplied, must describe the actual activity.
  2. Wait for Kordiva approval and resolve incomplete application details. Approval is distinct from seller agreement acceptance and LIVE release readiness.
  3. Select Creator, Pro or reviewed Scale terms. Complete Individual payment onboarding in the selected environment.
  4. Use Continue payment onboarding to open secure hosted identity/bank requirements. Approved refers to the application; Not connected, Action required and Successfully connected describe payment onboarding.
  5. Review the separate LIVE lock and buyer-market coverage before accepting payments. TEST connection does not unlock LIVE.

Recipient-only Express accounts receive separate transfers from Kordiva; they are not independent card merchants. Requested capability is transfers, with a recipient service agreement. Country/account restrictions, settlement currencies and LIVE controls require separate confirmation.

What is excluded

Section titled “What is excluded”

Physical goods, COD, deposits, Booking, Rent-a-Car and recurring customer subscriptions do not belong to this Individual digital model. Business UJP and Business MKD payout minimums do not apply.

When setup is unavailable

Section titled “When setup is unavailable”

Check application completeness, approval, selected plan and payment configuration. A disabled onboarding button can mean the seller is not active or the application is not approved/complete. Use support for review; do not upload identity documents into ordinary support messages.

The model-specific seller agreement and recorded acceptance must be confirmed separately; this guide does not declare legal activation complete.

Who controls refunds and payouts

Section titled “Who controls refunds and payouts”

You supply the approved product and cooperate with customer-case review. You cannot refund buyers directly. Submit a full-refund request to Kordiva; Kordiva reviews, approves and executes it. Kordiva also manages disputes, seller recovery, reserve release and scheduled bank payouts.

Request a refund · Follow a payout

Section titled “Related guides”

Seller-country checks · Plans · Create a digital product · Buyer markets