Merchant of Record for freelancers & agencies

Invoice any company worldwide. Get paid fast. Taxes handled.

We’re your Merchant of Record (MoR) — not EOR. Create compliant B2B invoices in minutes, with a transparent 4% fee and optional FX/crypto.

Learn how MoR works See transparent pricing

Chargeback support

KYC Verified

190+ countries

Invoice

#INV-2025-01

Compliant

Billed toAcme GmbH (DE)

Amount€5,000.00

VAT (19%)€950.00

We issue the B2B invoice and handle VAT/GST where applicable. You get paid net.

Avg. payout time

2–5 business days

Social proof & integrations

A community that ships great work — and gets paid on time

Freelancers and agencies worldwide trust Gruv to issue B2B invoices, collect payments, and handle taxes.

10k+ community

Alex Steiner

Freelance Developer · Germany

“Gruv's MoR service is a lifesaver. I can invoice international clients without worrying about compliance—simple, fast, reliable.”

Maria Rodriguez

Agency Owner · USA

“As an agency, we pay contractors globally. Gruv streamlined payments and took the compliance burden off our shoulders.”

Connects with your stack

Bank rails, wallets, stablecoins, and accounting — plug in what you already use.

Optional crypto payouts supported. KYC required in supported jurisdictions.

Your day, rebalanced

This is your day on admin.
This is your day on Gruv.

Shift hours from admin to growth. See exactly how your day transforms with automation and compliance handled.

Your day on admin

8 hours

Admin

Context switching

1.5h

Deep work

2.5h

Aha moment

Chasing payments & scattered tools

Manual reminders, spreadsheets, and context switching cost you deep work.

Compliance uncertainty

Unsure about residency days, VAT/GST, or FBAR thresholds.

Interrupted client work

Frequent checks break flow and delay delivery.

Focus time gained

+0.0h

Per day on average when Gruv automates admin and compliance.

Start your Gruv day

Compliance, quantified

From Anxiety to Assurance

Turn unknowns into clear, tracked metrics. See risk turn into a single, confident score — in real time.

Automated trackingLocal rules appliedAudit-ready trail

Tax Residency (Spain)

At Risk

178 of 183 days used — likely tax residency triggered.

FBAR Threshold

At Risk

$9,850 of $10,000 aggregate — close to filing requirement.

Invoice Compliance

Incomplete

Missing VAT/GST details for buyer jurisdiction.

Risk snapshot

Score

Unknown tax residency

No reliable day counter or residency thresholds.

Fragmented accounts

Balances spread across banks and wallets.

Inconsistent invoices

Missing local fields or incorrect VAT/GST.

Start with transparency

Your Complete Global Operations Toolkit

Four powerful modules working together to simplify your global business operations

Global Payments (MoR)

Invoice any company worldwide. We issue B2B invoices, collect payments, remit sales tax, and pay you.

B2B invoice generation

Automatic VAT/GST calculation

Multi-currency support

Fast payouts to your account

Invoice #INV-2024-001

Compliant

Amount:$5,000.00 USD

VAT (20%):$1,000.00

Total:$6,000.00

B2B compliant • VAT calculated • Ready to send

Flat 4% per transaction — no monthly, no lock‑ins

Transparent pricing. Instant clarity.

Know your take‑home before you send an invoice. Simple, fair, and built for independents.

No hidden fees Cancel anytime What you see is what you pay

Invoice amount

Toggles are optional. Base fee is always 4%.

Live breakdown

Invoice amount$1,000.00

Fees (4% base)-$40.00

You receive$960.00

Instant payouts available. No monthly fees. No surprises.

No monthly fees

Pay only when you get paid. We don’t charge setup, subscription, or maintenance fees.

Crystal‑clear breakdown

Every invoice shows the exact fee and your take‑home amount — before you send it.

No setup fees • No monthly charges • Cancel anytime

MoR vs. EOR

Simpler & Cheaper for B2B Invoicing

gruv.ai is a Merchant of Record (MoR), not an Employer of Record (EOR). Here's the difference.

Feature	gruv.ai	Marketplace tools	EOR suites
Compliance Who ensures B2B invoice compliance and remits VAT/GST	✓	✕	✕
Monthly fees Ongoing platform or seat-based fees	No	Often	Often
Setup time Time to generate a compliant invoice and get approved	Minutes	Days	Weeks
Legal complexity Procurement vs employment/legal obligations	Low	Medium	High
Cost to start Upfront costs to issue your first invoice	Free	Varies	High

Compliance

gruv.aimarketplaceEOR

Who ensures B2B invoice compliance and remits VAT/GST

✓

Monthly fees

gruv.aimarketplaceEOR

Ongoing platform or seat-based fees

Often

Setup time

gruv.aimarketplaceEOR

Time to generate a compliant invoice and get approved

Minutes

Days

Weeks

Legal complexity

gruv.aimarketplaceEOR

Procurement vs employment/legal obligations

Low

Medium

High

Cost to start

gruv.aimarketplaceEOR

Upfront costs to issue your first invoice

Free

Varies

High

Built for Professionals Who Value Peace of Mind

Gruv transforms your greatest anxieties into a source of confidence. We turn unknown risks into manageable, trackable data points.

DATA PROOF: Real-Time Residency Tracking

Tax Residency (Spain)

At Risk

178 of 183 days used

SOCIAL PROOF: User Experience

Ethan Carter

Software Developer, Spain

"I was constantly terrified of miscalculating my days for Spanish tax residency. Gruv's planner is the only tool I've found that handles the rules correctly. It's absolute peace of mind."

DATA PROOF: Compliant Invoicing

Invoice #INV-2025-08

Compliant

EU VAT "Reverse Charge" clause automatically included.

SOCIAL PROOF: User Experience

Sophia Bennett

Strategic Consultant, Portugal

"Getting my invoices rejected by EU clients was a nightmare. The 'Bulletproof' Invoice Generator ensures I get paid on time. It makes me look professional and saves me hours of research."

Replace the patchwork. Run on one MoR OS.

Stop juggling tools and spreadsheets. Gruv unifies compliant invoicing, payments, taxes, and payouts—so your business just flows.

The old way

Patchwork

WisePayPalDeel (contracts)TurboTaxSheets (manual)

Finance rejects non‑compliant invoices; payment delays.
Taxes and VAT/GST become guesswork; admin overhead.
No single source of truth; spreadsheets and screenshots.

The Gruv OS

Unified

B2B invoicing

Tax/VAT remittance

Global payouts

Coverage 190+

Compliance signals

Invoice

Payment

Tax remittance

Payout

Issue compliant invoices your clients can approve on day one.
We collect payment, calculate VAT/GST, and remit where applicable.
Faster payouts to your account—bank, wallet, or stablecoins.

Trusted worldwide

Join thousands of professionals who trust Gruv to handle global payments and compliance.

190+

Countries covered

2–5 days

Avg. payout time

4% MoR

Transparent fee

KYC · data protection

Compliance

Jordan P.

Agency Founder · UK

“Gruv handles tax and payouts so our invoices get approved without back‑and‑forth. It just works.”

Data encrypted

KYC policy

KYC Verified

Popular tools our customers also use

Create invoice See trust & coverage

Invoice any company worldwide. Get paid fast. Taxes handled.

A community that ships great work — and gets paid on time

Connects with your stack

This is your day on admin.This is your day on Gruv.

Your day on admin

From Anxiety to Assurance

Tax Residency (Spain)

FBAR Threshold

Invoice Compliance

Your Complete Global Operations Toolkit

Global Payments (MoR)

Invoice #INV-2024-001

Transparent pricing. Instant clarity.

No monthly fees

Crystal‑clear breakdown

Simpler & Cheaper for B2B Invoicing

Built for Professionals Who Value Peace of Mind

DATA PROOF: Real-Time Residency Tracking

SOCIAL PROOF: User Experience

DATA PROOF: Compliant Invoicing

SOCIAL PROOF: User Experience

Replace the patchwork. Run on one MoR OS.

The old way

The Gruv OS

Trusted worldwide

This is your day on admin.
This is your day on Gruv.