# Account Settings

The **Account Settings** section lets you manage your organization details, agreement status, payout settings, and platform-level configurations for your Zotlo account. These settings apply to your entire organization, not to individual projects.

## **Organization Settings**

This section displays the core details of your organization.\
You can update your organization name at any time. All other fields remain fixed for security and compliance purposes.

## **Merchant Agreement**

To go live and process real payments, you must complete the **Zotlo Merchant Agreement**. This is required for global compliance, risk management, and payout activation.

### **How It Works**

1. Open **Account Settings → Merchant Agreement**.
2. Click **Complete Enrollment**.
3. Upload the required identity and business verification documents.
4. Review and accept the agreement terms.
5. Submit your application.

After submission, your status becomes **In Review**. The Zotlo onboarding team will verify your documents and notify you once your account is approved.

{% hint style="info" %}
You cannot process live payments until the agreement is fully approved.
{% endhint %}

## **Payment Settings**

Your payout configuration depends on how you work with Zotlo:

#### **If using Zotlo’s payment infrastructure (MoR model)**

You must add your **bank account (IBAN)** to receive payouts from Zotlo.

#### **If using Connected PSP model**

You will add your **credit card** for Zotlo service charges instead of a bank account.

{% hint style="info" %}
The Payment Settings tab becomes available only after your merchant agreement is approved.
{% endhint %}


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