Remote Merchant of Record Accountant (Payments & Compliance)

Cart.com; Indiana; Remote; USD 70,000 - 100,000; Full time

Job summary

Cart.com in the United States is seeking a Merchant of Record Accountant to own MoR accounting operations across brands. You will ensure payment processing integrity, settlements, tax compliance, and financial controls while scaling the business.

You bring 3–7 years in payments operations or accounting within ecommerce, strong Excel and SQL, ERP experience (NetSuite/D365), and a proactive, compliant mindset.

Qualifications

• Three to seven years of experience in payments operations, merchant services, accounting, finance, or related field in e-commerce, SaaS, digital goods, marketplace, or tech-enabled services.
• Strong understanding of payment processing, settlements, merchant accounts, and financial controls.
• Hands-on experience preparing reconciliations, journal entries, and month-end close support.
• Advanced Excel skills and experience analyzing large datasets.
• Working knowledge of SQL and reporting/analytics tools.
• Prior experience supporting or operating a Merchant of Record model or managing MoR vendors.
• Experience with payment platforms such as Stripe, Braintree, PayPal, or similar providers.
• Familiarity with tax automation solutions like Avalara, TaxJar, or comparable systems.
• Experience with ERP platforms such as Microsoft Dynamics 365 Business Central, NetSuite, or similar.

Responsibilities

• Own the accounting and operational oversight of Merchant of Record activities across supported brands.
• Monitor and resolve urgent payment exceptions, including settlement failures, payment holds, chargebacks, and significant refunds.
• Maintain rigorous transaction-level review processes to minimize errors, prevent revenue leakage, and ensure financial accuracy.
• Serve as the primary liaison for payment processing, settlements, reconciliations, tax compliance, and financial reporting related to MoR operations.
• Perform and oversee reconciliations between payment platforms, banking activity, systems, and the general ledger.
• Support month-end close activities, including journal entries, account reconciliations, and reporting.
• Ensure accurate sales tax collection, remittance, and reporting across applicable jurisdictions.
• Manage tax configurations and coordinate with internal and external partners to maintain compliance.
• Support audits and regulatory inquiries related to payment operations and MoR activities.
• Develop, maintain, and enhance accounting policies, procedures, and internal controls.
• Act with urgency while maintaining compliance, risk management, and financial controls.

Skills

MoR accounting

Payments ops

SQL

Excel

Education

Bachelor's degree in Accounting/Finance

Tools

NetSuite

Dynamics 365

Stripe

Braintree

Job description

Cart.com in the United States is seeking a Merchant of Record Accountant to own MoR accounting operations across brands. You will ensure payment processing integrity, settlements, tax compliance, and financial controls while scaling the business.

You bring 3–7 years in payments operations or accounting within ecommerce, strong Excel and SQL, ERP experience (NetSuite/D365), and a proactive, compliant mindset.