1. Overview
This document describes the end-to-end user flow for both Sellers and Buyers on the Kelviq platform. Kelviq operates as a Merchant of Record (MoR) for digital product sellers, meaning Kelviq is the legal seller to the Buyer for all transactions processed through Kelviq Checkout. The flows described below demonstrate how Kelviq clearly identifies itself as the MoR at every touchpoint, ensuring compliance with card network rules and providing transparency to Buyers about who they are transacting with.2. Key Parties
Kelviq (Platform/MoR)
Kelviq, Inc. operates the platform, hosts the checkout experience, processes payments through Stripe, and acts as the Merchant of Record for all transactions. Kelviq appears on Buyer bank statements, issues receipts and invoices, and handles refunds and disputes.
Seller (Connected Account)
The digital product creator who lists products on the platform, sets pricing, and is responsible for product quality, content, and customer support. The Seller receives payouts through a Stripe Express Connected Account after fees and reserves are deducted.
Buyer (End Customer)
The person or entity purchasing a digital product through Kelviq Checkout. The Buyer’s payment relationship is with Kelviq as the MoR.
Stripe (Payment Processor)
Stripe, Inc. provides the payment infrastructure. Kelviq uses Stripe Connect with separate charges and transfers. Kelviq’s platform Stripe account receives the payment, and a separate transfer is made to the Seller’s Connected Account.
3. Seller Onboarding Flow
The Seller onboarding flow ensures KYC compliance, business verification, and proper agreement acceptance before any live payments are processed.Agreement Acceptance
Seller reviews and accepts the Kelviq Seller Master Service Agreement, which includes acknowledgment of Kelviq’s role as MoR.
Stripe Connect Onboarding
Seller is redirected to Stripe Express onboarding to complete identity verification, business verification, and payout setup.
Kelviq Review
Kelviq reviews the Seller’s products and business against the Approved and Prohibited Business Policy. Accounts may be approved, require additional information, or be declined.
4. Buyer Purchase Flow
The Buyer purchase flow ensures the Buyer clearly understands that Kelviq is the Merchant of Record at every step of the transaction.Product Discovery
Buyer finds the Seller’s product through the Seller’s website, marketing, or other channels. The Seller’s branding is present at this stage.
Checkout Initiation
Buyer clicks a purchase link and is directed to a Kelviq-hosted checkout page. The checkout page displays Kelviq branding and clearly identifies Kelviq as the Merchant of Record.
Terms Acceptance
Before completing the purchase, the Buyer is presented with links to the Kelviq Buyer Terms. By completing the purchase, the Buyer agrees to these terms.
Payment
Buyer enters payment details. The payment is processed by Stripe and received by Kelviq’s platform Stripe account.
Receipt
Buyer receives an email receipt from Kelviq, Inc. The receipt clearly identifies Kelviq as the Merchant of Record, includes Kelviq’s contact information, and itemizes the purchase.
Fulfillment
Buyer receives access to the digital product (download link, license key, or access credentials) through the Kelviq Customer Portal or via email.
5. Post-Purchase Flows
5.1 Refund Flow
Refunds can be initiated by either the Seller or through Kelviq as the Merchant of Record.Request
Buyer requests a refund by contacting the Seller directly (via contact form or email) or by emailing Kelviq at [email protected].
Review & Approval
The Seller reviews the request and can issue a refund directly through the Seller Dashboard. If the request is made through Kelviq, Kelviq reviews it against the applicable refund policy.
5.2 Dispute and Chargeback Flow
Chargebacks and payment disputes are managed by Kelviq as the Merchant of Record.Evidence Collection
Kelviq gathers evidence (receipt, delivery confirmation, terms accepted) and may request additional information from the Seller.
5.3 Subscription Management
For subscription products, the following ongoing flow applies:- Subscription renewals are processed automatically by Kelviq through Stripe
- Renewal receipts are issued by Kelviq, Inc.
- Buyers can manage subscriptions (cancel, update payment method) through the Kelviq Customer Portal
- Cancellation takes effect at the end of the current billing period
- Failed renewal payments are retried by Kelviq. For card payments, access remains available for up to 2 weeks before the subscription is canceled. For other payment methods, the subscription is canceled immediately if payment fails
6. MoR Compliance Summary
The following table summarizes where and how Kelviq is identified as the Merchant of Record across all touchpoints.| Touchpoint | Kelviq Identified as MoR |
|---|---|
| Checkout Page | Yes - Kelviq branding and legal name displayed |
| Payment Form | Yes - Kelviq is the entity processing the payment |
| Buyer Terms Link | Yes - Links to Kelviq Buyer Terms |
| Email Receipt | Yes - Issued by Kelviq, Inc. with contact info |
| Bank Statement | Yes - Descriptor shows “KELVIQ” |
| Customer Portal | Yes - Kelviq-branded portal for orders, downloads, and support |
| Refund Processing | Yes - Refunds issued by Kelviq |
| Dispute Handling | Yes - Kelviq responds to chargebacks |
7. Card Network Rule Compliance
Kelviq’s user flows are designed to comply with the following card network requirements:Transaction Clarity
Transaction Clarity
The Buyer clearly understands that the transaction is with Kelviq at every point in the purchase flow. Kelviq’s name and branding are visible on the checkout page, receipt, and bank statement.
Statement Descriptor Accuracy
Statement Descriptor Accuracy
The Statement Descriptor identifies Kelviq as the merchant, preventing Buyer confusion about the source of the charge.
Refund and Dispute Handling
Refund and Dispute Handling
Kelviq manages all refunds and disputes as the MoR, in accordance with card network timelines and procedures.
Customer Service Identification
Customer Service Identification
Buyers are directed to Kelviq ([email protected]) for payment-related issues. Product-specific support is provided by the Seller, with clear disclosure of this division of responsibility in the Buyer Terms.
MCC Assignment
MCC Assignment
Kelviq assigns appropriate Merchant Category Codes for transactions processed through the platform, in compliance with card network requirements.