> For the complete documentation index, see [llms.txt](https://docs.zotlo.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.zotlo.com/features/account-management/financials.md).
# Financials
The **Financials** section (accessible under **Billing**) provides a complete view of your earnings, payouts, commissions, reserves, and financial activity.\
The content displayed depends on whether you are using the **Merchant of Record (MoR)** model or the **Connect Your PSP** model.
## **If You Use Zotlo MoR**
When Zotlo processes payments and sends payouts, Financials displays:
#### **Current Balance**
Your real-time payable balance.
#### **Next Payout**
The amount scheduled for your upcoming payout.
#### **Refunds & Chargebacks**
Total refunds and chargebacks affecting the current payout period.
#### **Proceeds**
Monthly breakdown of:
* Gross sales
* Taxes
* Fees
* Net amount per project and per currency
#### **Payouts**
List of all payouts with:
* Status (Paid, Processing, Waiting)
* Coverage period
* Payout date
* Downloadable payout invoice
#### **Reserves (If Applied)**
If your account has a rolling reserve, you can view:
* Reserve total
* Release schedule
## **If You Connect Your PSP**
When payments are processed by your own PSP, Financials focuses on **sales reporting and Zotlo commission invoices**.
You will see:
#### **Current Balance**
Your current month’s commission amount.
#### **Monthly Sales Summary**
Overview of monthly processed volume and currencies.
#### **Payments (Commission Invoices)**
Monthly Zotlo service fees with:
* Status (Paid, Waiting, Failed)
* Invoice download
## **Summary**
* **MoR model:** You see payouts, proceeds, refunds, chargebacks, and reserve details.
* **Connect Your PSP model:** You see sales summaries and monthly commission invoices.
* All financial documents (invoices, payout reports) are downloadable.
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