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Spotflow is your Merchant of Record (MoR). When your customer pays, Spotflow is the legal seller: we collect the payment through local payment methods, handle local tax and compliance, and send you the net revenue. You don’t need a local entity in every country you sell in.

The money flow

1

Your customer pays

You start a payment through the API, a payment link, our SDKs or libraries. The customer pays with a method that’s local to them, such as mobile money, a bank transfer or a card. Supported methods are activated automatically once your account is verified. See Payment methods.
2

Spotflow collects and handles compliance

As the legal seller, Spotflow handles local tax and regulatory requirements, with built-in fraud and chargeback protection. Taxes you configure are collected on each payment. See Tax configuration.
3

Funds land in your balance

The payment moves from PENDING to SUCCESSFUL, and the funds are credited to your Spotflow balance. See Payment lifecycle.
4

You get paid out

Revenue is settled to your bank account on your payout cycle, or you can send money onward with disbursements.

Merchant of Record vs payment gateway

Read the full comparison in MoR vs PG.

Building blocks

Payment collections

One-time payments through a hosted checkout, the API, SDKs or payment links.

Subscriptions

Recurring billing with plans, trials and automated renewals.

Virtual accounts

Static accounts that hold funds, and dynamic accounts that route payments.

Disbursements

Single and bulk payouts to bank accounts.

Tax configuration

Collect VAT or a flat levy by region.

Webhooks

Real-time notifications when payments, subscriptions and accounts change.

Two ways to work