Get answers to the business questions that sellers ask before they integrate. For fees, see Fees and payouts. For refunds and chargebacks, see Refunds and disputes.
Merchant of record
InFlow is not the merchant of record. You are the merchant of record for your sales.
Tax
InFlow does not calculate, collect, or pay tax, on any payment method. Use a tax service. For example, Stripe Tax can also calculate tax for payments outside Stripe.
Prices
You set your prices. InFlow does not set or change them.
Stripe account
Card payments need your own Stripe account. InFlow does not give you one. To accept only stablecoins, you do not need Stripe. See Accept only stablecoins.
Buyers outside InFlow
Any MPP or x402 buyer can pay you, not only InFlow buyers. See Get paid by buyers outside InFlow.
Liability and insurance
Section 13 of the Terms of Service limits the liability of InFlow. InFlow does not give insurance coverage.
Directory ranking
When several services match a search, the agent decides which service to use. See The InFlow directory.
Start with payments only
You can start with Pay only. Without Onboard, each payment is a guest checkout, and you do not know who the customer is. You can add Onboard and Discover later. See How the Seller Gateway works. Last modified on November 13, 2026
