# 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:

* [Credit & Debit Cards](https://docs.zotlo.com/features/payment-methods/cards) 
* [Apple Pay](https://docs.zotlo.com/features/payment-methods/apple-pay) 
* [Google Pay](https://docs.zotlo.com/features/payment-methods/google-pay) 
* [PayPal](https://docs.zotlo.com/features/payment-methods/paypal)

### **🌍 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](#regional-availability-and-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

{% hint style="info" %}
**Result :** Zotlo automatically hides incompatible methods to keep the experience smooth. Customers always see **the right methods**, increasing payment success and conversion.
{% endhint %}

## **Zotlo vs PSP Methods**

#### **If you use Zotlo’s built-in payment methods:**

👉 You are using the [**Merchant of Record (MoR)**](https://docs.zotlo.com/welcome/merchant-of-record) 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**](https://docs.zotlo.com/welcome/connect-your-psp).

* 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](https://support.apple.com/en-us/102775)
* **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](https://support.google.com/googlepay/answer/12429287)
* **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](https://www.paypal.com/us/webapps/mpp/country-worldwide)
* **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.

{% hint style="info" %}
**Tip:** Always consider your audience’s countries and devices to maximize payment success.
{% endhint %}