The journal

Notes on payments and building globally.

Insights on payments, fintech, tax compliance and building great SaaS products, from the EXOS Pay team.

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March 6, 2026·Business Operations

How Approved Online Businesses Handle Settlements: A Review Guide

A practical guide to reviewed onboarding, documented payout terms, settlement reconciliation, and structured dispute management for incorporated online businesses.

March 1, 2026·Payments

What is a Merchant of Record? A Complete Guide for SaaS Founders

Learn what a Merchant of Record is, how responsibilities differ from a direct payment provider, and what incorporated businesses should confirm during onboarding.

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