Payment Methods Overview
Payment Methods define how customers pay during checkout and subscription lifecycle. Zotlo allows you to accept multiple payment methods, either through Zotlo’s built-in payment infrastructure (MoR model) or through your connected PSP.
All payment methods can be used:
With Zotlo (Merchant of Record model) → Zotlo processes the payment and manages tax, risk & billing.
With your own PSP → If your PSP supports the method, Zotlo routes the charge to your gateway.
How Payments Work?
Zotlo automatically determines which payment methods to show to the customer based on:
Payment Methods
Currently supported methods:
🌍 Customer Location
Payment methods appear only if available in the customer’s country. For example local wallet options appear only where supported. For more see Regional Availability & Considerations
💵 Transaction Currency
Methods are filtered by whether they support the currency of the sale.
📱 Device Compatibility
Apple Pay → shown only on Apple devices using Safari
Google Pay → shown on Android & Chrome
PayPal → shown if regionally available
Cards → always available globally (issuer rules may apply)
🧾 Transaction Type
Some methods (like Apple Pay / Google Pay) may have restrictions on:
Recurring billing
Subscription renewals
Minimum/maximum amounts
Result : Zotlo automatically hides incompatible methods to keep the experience smooth. Customers always see the right methods, increasing payment success and conversion.
Zotlo vs PSP Methods
If you use Zotlo’s built-in payment methods:
👉 You are using the Merchant of Record (MoR) model. Zotlo manages:
Tax calculation & remittance
Payment processing
Fraud checks
Chargeback handling
Compliance
Payouts to the merchant
This is the simplest way to start selling.
If you connect your own PSP:
👉 You use the PSP model.
Payments are processed by your gateway
Funds settle directly to your account
Zotlo provides checkout, subscriptions, retries, analytics
The payment methods shown depend on what your PSP supports
You still get Apple Pay, Google Pay, PayPal and Card payments, if your PSP supports them.
Regional Availability
The following availability rules apply automatically:
Apple Pay Apple Pay is displayed only in supported countries and on compatible Apple devices using Safari browser. See the list of supported countries and regions by Apple Pay 👉 here
Google Pay Google Pay is displayed only in supported countries and on compatible Android devices or the Chrome browser. See the list of supported countries and regions. by Google Pay 👉 here
PayPal PayPal is displayed based on regional availability and the customer’s PayPal account eligibility.
See the list of supported countries and regions by PayPal 👉 here
Card Payments Zotlo supports global card networks such as Visa, Mastercard, American Express, Discover, JCB, Union Pay, Diners Club etc. Card payment availability depends on issuer rules, network support, SCA requirements and local regulations.
Zotlo filters these automatically so customers never see unavailable options.
Tip: Always consider your audience’s countries and devices to maximize payment success.
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