Introduction
This guide compares the MoR model with the traditional Payment Gateway approach, helping you understand the advantages Spotflow brings to your business.The Core Difference
| Feature | MoR (Spoflow) | Payment Gateway (Traditional PG) |
|---|---|---|
| Legal Seller | Spotflow assumes legal seller status (MoR) | Your Company |
| Tax & Compliance | Spotflow handles local taxes, VAT, and regulatory burden | You are responsible for local laws, tax collection, and remittance |
| Payment Methods | Access to local methods (Mobile Money, EFT) across 13+ African countries | Limited to major global card networks |
| Risk Management | Built-in fraud and chargeback protection | You manage and set up your own tools |
| Payouts | Aggregated, simplified global payouts to your preferred account | Direct from PG to you, requiring complex bank setup |
What It Means For You
Choosing Spotflow as your MoR means we become the legal seller to your customers, allowing you to:- Launch Fast in Africa: Instantly access local payment methods crucial for conversion (Mobile Money, Bank Transfers) without integrating multiple PSPs.
- Decentralize Risk: Spotflow assumes liability for compliance, local laws, and currency conversion.
- Focus on Product: Skip setting up local entities, avoid handling VAT/GST, and reduce your entire legal risk profile.
- Visual: Imagine selling a subscription in Ghana. With Spotflow, we collect the payment via Mobile Money, handle the local tax, and send you the net revenue. No local entity required. Just growth.
Why It Matters for African Expansion
For scaling digital businesses, managing multiple local payment rails and tax mandates is the bottleneck.| With a Payment Gateway… | With Spotflow as Your MoR… |
|---|---|
| You are responsible for integrating/maintaining 13+ local payment integrations. | You gain access to a unified library of high-conversion payment methods managed by us. |
| You must handle local tax and VAT registration in every country you sell in. | Taxes are calculated, collected, and remitted on your behalf automatically. |
Who Should Use MoR?
Spotflow is ideal for:- SaaS & digital product companies targeting or scaling across Africa.
- Businesses who want to offer Mobile Money and local bank transfers without technical overhead.
- Anyone who prefers to outsource the complexity of global tax, compliance, and payment operations.
Why Choose Spotflow?
We offer the comprehensive solution for selling digital products globally:- All-in-one payments, tax, and compliance stack.
- Real-time FX and multi-currency support.
- Integrated access to critical African local payment rails.
- Automated tax handling and built-in fraud prevention.