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One bank wire, straight from us to you. That’s the whole payout model. Because Macropay is a true Merchant of Record, we are the legal seller on every transaction. We collect from your customers in our name, settle the money into our own bank, remit the sales tax and VAT we owe on those sales, then wire your remaining balance to your bank account. There is no marketplace split to reconcile, no third-party onboarding redirect, and no Connect-style account for you to babysit — funds move Macropay → you, full stop.
New to the MoR model? Start with the Merchant of Record overview, which covers how tax, refunds, and chargebacks work at the model level. This page is the mechanics of getting paid.

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The money trail

From a customer’s tap to a deposit in your account, four things happen:
1

We charge the customer as the seller of record

A card, Apple Pay, or Google Pay charge runs under Macropay’s own acquirer relationships. The customer sees Macropay on their statement and receives a Macropay invoice — your business never appears on the bank line.
2

Funds land in Macropay's bank

Captures settle into Macropay’s account in the currency the customer paid in. We hold the balance while tax/VAT, refunds, and any disputes are resolved, so your payout reflects a clean, final number.
3

We wire your share on NET terms

Your earned balance for a calendar month becomes payable on your NET schedule (NET 30 by default). Macropay originates the transfer from its own bank over the right rail for your country — ACH in the US, SEPA across the Eurozone, SWIFT everywhere else.
4

You invoice us back

Since we issued the invoices to your customers, your books need the mirror image: an invoice from you to Macropay for what we paid out. We generate a reverse invoice for every payout, on demand.

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Connect your bank account

1

Open Finance → Account

In the dashboard, go to Settings → Finance → Account, or jump straight to https://app.macropay.ai/dashboard/<org-slug>/finance/account.
2

Select your bank's country

Your country sets the default payout currency and decides which rail — and which form fields — you’ll use next.
3

Enter your bank details

The form routes you to the correct rail automatically:Everything is encrypted at rest. Macropay pays out from its own bank, so your details are never exposed to the card networks or any acquirer.
Macropay is a true MoR — there’s no Stripe account to hold, no Express dashboard, and no Connect payout schedule to configure. We’re the merchant on every charge and pay you directly. Still seeing a legacy Connect setup in your dashboard? Email support@macropay.ai and we’ll migrate you.

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Payout schedule

Within your term, payouts are merchant-initiated from the Payouts page — you decide when to pull funds inside your eligible window. Each currency has a minimum threshold (see the thresholds table) so a wire fee never outweighs the payout itself.
Building agent or usage-based products? The balance that lands here is your agentic margin made real — gross revenue minus AI cost, tax, fees, and refunds, settled to one number you can pay out and reconcile.

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What it costs

Macropay charges no payout fee. The only deductions are the bank’s own wire costs, passed through at cost:
  • ACH (US) — free
  • SEPA (Eurozone + UK) — free at most banks; a rare few charge a small flat fee
  • SWIFT (international) — 5–5–25 depending on corridor and intermediary banks; the exact deduction shows on the payout summary
  • Currency conversion — the prevailing bank FX rate, typically a 0.25–1% spread
Per-transaction processing fees are a separate line item — see Merchant of Record → Fees for the full breakdown.

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Reading your payout statement

Every payout sends a confirmation email, and the same view lives under Finance → Payouts → (click any row). Worked example for a EUR payout: The net wired figure is exactly what hits your account. The matching reverse invoice is attached for your accounting.

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Supported currencies

We collect from customers in 130+ currencies and settle your balance in the currency of your bank account:
  • USD — any US ACH-eligible account
  • EUR — any SEPA-eligible IBAN
  • GBP — UK accounts via SEPA-instant or SWIFT
  • CHF — via SEPA or SWIFT
  • Other supported currencies — wired over SWIFT in your local currency where supported, at the FX rate applied at wire time

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FAQ

On the last day of the calendar month the sale was captured — not the month it was billed, if it’s a future-dated subscription. So under NET 30, a sale captured in March is eligible to pay out from May 1.
Individual and sole-proprietor accounts: yes. Business accounts (LLC, Ltd, GmbH, and so on) need a business bank account in the same legal entity name as your Macropay organization.
Payouts pause during a continuous review, but charges keep flowing — your customers notice nothing. Funds accrue in your balance and release as soon as the review clears, usually within 1–2 business days.
Not by default — merchant-initiated payouts let you consolidate and amortize wire fees. If you’d rather set up a recurring auto-payout, reach out and we’ll configure it.