Invoice your client in London, withdraw to your bank in Manila
Send a professional invoice in GBP, let your client pay through a hosted checkout link, and withdraw to your local bank or PayPal. Gruv AI fills in the VAT line and handles the compliance you used to Google.
Stay compliant and manage international payments with clarity
Working with clients across borders opens more opportunities. Navigating country-specific employment laws adds complexity. A Merchant of Record can handle key compliance steps so you spend less time on it.
Gruv AI handles the cross-border admin
Tax context, currency routing, and payment matching run inside every invoice and withdrawal. Focus on client work. The model handles the rest.
AI Compliance Engine
Buyer location, B2B vs. B2C, and reverse-charge logic apply automatically. Each invoice ships with the correct tax fields.
AI deposit matching
Incoming client payments match to the right invoice and currency record. Wallet balance updates without manual reconciliation.
AI withdrawal routing
Payout routes for your country and currency surface with timing and fee context. Withdrawals land without juggling Wise, PayPal, and bank tabs.
Ask Gruv AI
Ask about an invoice, a payment, or a withdrawal in plain language. Answers cite the underlying record.
One Platform, Global Reach
Focus on your work while Gruv supports the Merchant of Record workflow.
01/Vendor of Record
Single, compliant vendor
Procurement onboards Gruv once. Your AP team pays one supplier while Gruv handles talent invoicing and payouts.
02/Tax & Reporting
Tax compliance workflows
Support VAT/GST-ready invoicing, tax document collection, and finance ops exports. Keeps records audit-friendly with less overhead.
03/Payments
Global payments, local rails
Pay talent in 100+ countries with predictable schedules and currency options. Reduce manual wires and payout errors.
04/Risk & Compliance
KYC/AML & risk controls
Verification workflows and policy gates where required. Reduce fraud risk and keep review steps explicit for ops.
05/AP & Procurement
Procurement-friendly invoicing
PO numbers, legal entity details, tax IDs, and correct tax treatment. Reduces rejections and speeds approvals.
06/Accounting
Audit-ready records
Consolidated statements, exports, and evidence for audits. Transparent fee structure and reconciliation support.
How it works
Process global transactions with a guided Merchant of Record workflow in three clear steps.
1. Add Your Clients
Onboard clients from anywhere in the world. Collect the details you need and apply verification checks where required before you start billing.
2. Raise Smart Invoices
Create professional invoices with support for currency and tax-ready fields. Send them with a single link.
3. Get Paid
Receive payments in supported currencies. Payout methods and FX workflows depend on market. Gruv keeps status visible and records consistent for your operations.
Frequently Asked Questions
What does Merchant of Record mean for me as a freelancer?+
How fast do I get paid after a client pays?+
Can I invoice one client in GBP and another in USD?+
Who handles VAT, GST, and reverse charge?+
Is there a monthly subscription?+
What if a client disputes a payment?+
Is this tax or legal advice?+
Ready to send your first cross-border invoice without the admin?
We set up your invoice template, hosted checkout link, and withdrawal route. Send your first invoice the same week.
Many teams start with a narrow launch in weeks.
