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.