> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spotflow.one/llms.txt
> Use this file to discover all available pages before exploring further.

# MoR VS PG

> Digital businesses often face a choice: the hands-on approach of a Payment Gateway (PG) or the simplified path of a Merchant of Record (MoR). At Spotflow, we operate as your Merchant of Record (MoR) to simplify global payments, especially across Africa, by managing compliance, local taxes, and complex payment rails.

## 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.

Let Spotflow handle the hard stuff—so you can focus on building a great product.