# 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.

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## **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.