> ## 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.

# Welcome to the Docs

> Guides, resources and references to build with Spotflow, your Merchant of Record for collections, subscriptions, virtual accounts, disbursements and payouts across Africa.

# Welcome to the Docs

Here you'll find guides, resources, and references to build with Spotflow, your Merchant of Record across Africa.

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Quickstart

Learn Spotflow's key concepts and take your first test payment.

Get started →

[Open](https://docs.spotflow.one/quickstart.md)

API Reference

Explore every endpoint and try requests in the playground.

View reference →

[Open](https://docs.spotflow.one/api-reference/introduction.md)

Payment Links

Create a payment link in under 5 minutes, no code required.

Build without code →

[Open](https://docs.spotflow.one/developer-resources/integration-guide.md)

## Try it out

Try it in the playground →

## Payments and Collections

> [card] [Payment Collections](https://docs.spotflow.one/features/payment-collections.md)
>
> Accept one-time payments with local methods across Africa.

> [card] [Payment Methods](https://docs.spotflow.one/features/payment-methods.md)
>
> Cards, bank transfers, mobile money, USSD and EFT, activated automatically.

> [card] [Subscriptions](https://docs.spotflow.one/features/subscription-payment-collections.md)
>
> Recurring billing with flexible cycles and automated renewals.

> [card] [Mobile Money Subscriptions](https://docs.spotflow.one/features/mobile-money-subscriptions.md)
>
> Collect recurring payments through mobile money providers.

## Accounts

> [card] [Static Virtual Accounts](https://docs.spotflow.one/features/static-accounts.md)
>
> Hold and manage funds independently within your account.

> [card] [Dynamic Virtual Accounts](https://docs.spotflow.one/features/dynamic-accounts.md)
>
> Route incoming payments straight to your main balance.

## Payouts and Settlement

> [card] [Single and Bulk Disbursements](https://docs.spotflow.one/features/single-and-bulk-disbursements.md)
>
> Pay one recipient or many in a single batch.

> [card] [Settlement](https://docs.spotflow.one/features/settlement.md)
>
> Move collected funds from Spotflow to your bank account.

## Tax and Compliance

> [card] [Tax Configuration](https://docs.spotflow.one/features/tax-collections.md)
>
> Collect VAT or a flat levy by region.

> [card] [MoR vs PG](https://docs.spotflow.one/features/mor-vs-pg.md)
>
> Why Spotflow is your legal seller, and what that takes off your plate.

> [card] [KYB Verification](https://docs.spotflow.one/expert-desk/verification-process.md)
>
> Verify your business to unlock live mode.

## Developer community

> [card] [Slack](https://join.slack.com/t/spotflowdevel-cki6990/shared_invite/zt-3g5nposk7-0ZeocaWKq4YxxqhIdQ9Y_g)

> [card] [GitHub](https://github.com/Spotflow-One)

> [card] [X](https://x.com/spotflow_one)


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.