Gruv sits as Merchant of Record: we bill your clients, collect tax forms, run compliance checks, route payouts through licensed partners, and hand your finance team one export that closes in NetSuite.
Billing, compliance, payouts, and reconciliation run on one record your finance team already knows how to audit. One vendor in your ERP, one export at month-end.
Billing and payment collection
Send invoices with payment links or embed a hosted checkout. Every payment ties back to the vendor, client, or contract that created it.
Compliance and tax gates
KYB, W-8BEN, sanctions screening, and beneficial-owner attestation collect during onboarding. No gate passed, no payout goes out.
Payout control and visibility
Every payout shows a live status (pending, approved, in-flight, settled). Failed payments surface reason codes and retry without creating duplicates.
Audit-ready records
Invoices, beneficiary details, provider references, and FX rates stay linked on one record. Export to NetSuite or Xero with journal IDs for month-end close.
Compliance, documents, and payment gates run on the same record operators see. Each check ships with a reason and a source. Finance trusts the decision, ops explains it.
Every vendor, payee, and client runs through jurisdiction, tax, and sanctions checks before payment routes. Each decision carries a confidence score and the rule it cleared or failed.
W-8BEN, W-9, IDs, and bank details are parsed, checked for completeness, and tracked status by status. Missing or stale documents block the next payout until cleared.
Sanctions, threshold, and policy gates run on every payment in flight. Every hold pins the reason code to the record. Ops resolves without paging compliance.
Ask why a payee is on hold or why a payment paused. Get the gate, the reason code, and a link to the source record in one answer.
Same platform, different daily work. If you pay contractors and agencies, start with the Business path. If you invoice clients and want a clearer route from collection to withdrawal, start with Freelancer.
Business path
Built for finance, AP, and procurement teams that pay freelancers, agencies, and contractor groups across multiple countries.
Freelancer path
Built for freelancers, agencies, and solo operators who invoice cross-border clients and want a clear path from send to withdrawal.
Start with the core MoR workflow. When you add countries, hit higher batch sizes, or need dedicated receiving accounts, turn on the module and it shares the same record.
Give each client or platform a unique account number. Inbound transfers auto-match to the right invoice on the MoR record.
Add beneficiaries, set approval thresholds, and track payout status across 180+ countries on the same record as billing.
Upload a batch of 2,000+ payments, validate every row, and approve in one click. Built for teams that outgrow one-off payouts.
Five steps. One record. No copy-paste between dashboards.
Business path · pay global talent
Vendor consolidation, AP approvals, audit-ready payouts
Freelancer path · invoice global clients
Cleaner invoicing, hosted checkout, withdrawal flow
Bring your own entity
Use Gruv MoR alongside your own entity in select markets
Phased rollout
One corridor first, then expand once controls prove out
We scope your first market, billing model, and compliance gates on a 30-minute call. Most teams launch in 2 to 4 weeks.
Many teams start with a narrow launch in weeks.
