> ## Documentation Index
> Fetch the complete documentation index at: https://ifdocdemo.lumivescence.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Business FAQ

> Answers to the business questions that sellers ask before they integrate: the merchant of record, tax, prices, Stripe, liability, and the directory.

Get answers to the business questions that sellers ask before they integrate. For fees, see [Fees and payouts](https://ifdocdemo.lumivescence.com/sellers/fees-and-payouts.md). For refunds and chargebacks, see [Refunds and disputes](https://ifdocdemo.lumivescence.com/sellers/refunds-and-disputes.md).

## 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](https://ifdocdemo.lumivescence.com/concepts/payments.md#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](https://ifdocdemo.lumivescence.com/concepts/payments.md#get-paid-by-buyers-outside-inflow).

## Liability and insurance

Section 13 of the [Terms of Service](https://www.inflowpay.ai/terms) 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](https://ifdocdemo.lumivescence.com/concepts/directory.md).

## 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](https://ifdocdemo.lumivescence.com/sellers/integrate-your-service.md).


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