Sovereignty

Your sales settle straight to your bank

Connect your own Stripe, Square, PayPal, or Clover merchant account. Payouts land in your account, sales tax is calculated at checkout by the processor, and nobody sits between you and a sale.

Start your 14-day trial

Bring your own merchant account

Rented platforms route your revenue through their account, take a cut, and pay you out on their schedule. Meredosia does the opposite. You connect the merchant accounts you already own, and the money flows through your relationship with the processor, not ours.

Stripe

Connect your own Stripe account and take cards, wallets, and more, with funds settling to the bank account on your Stripe profile.

Square

Bring your Square account for in-person and online sales, keeping the same processor your storefront already relies on.

PayPal

Offer PayPal at checkout through your own PayPal account, so buyers who prefer it can pay and you keep the relationship.

Clover

Wire in your Clover account to unify point-of-sale hardware with online booking and orders under one ledger.

OWNERSHIP

The money ownership checklist teal

Owning your money means the processor, the payout account, and the reconciliation all belong to you. Here is what that looks like inside Meredosia Suite.

Your merchant accountConnect your own Stripe, Square, PayPal, or Clover account rather than transacting through a platform's account.
Direct payoutsFunds settle straight to the bank account on your processor profile, on the processor's normal schedule, not ours.
No middleman cutMeredosia does not sit between you and a sale, so there is no platform commission skimmed off each transaction.
Tax at checkoutSales tax is calculated at checkout by the payment processor, so the right amount is collected at the moment of sale.
One reconciled ledgerEvery sale, refund, and payout lands in a single ledger you can read, filter, and reconcile against your bank.
Your customer relationshipBuyer records and payment history stay in your workspace, tied to your contacts, not locked in a marketplace account.
Credentials sealed locallyProcessor keys are stored encrypted at rest with AES-256-GCM on your machine, protected by your own identity.
Refunds you controlIssue refunds through your own processor account with a full record kept in your ledger for reconciliation.
Portable historyYour sales and payout history export cleanly alongside the rest of your data, in open formats.
No revenue hostageBecause the funds never pool in a Meredosia account, there is no balance we can freeze, delay, or hold for review.
PAYOUTS

Payouts land in your bank iris

The clearest sign that money is yours is where it lands. Because you connect your own processor, settlement follows the account and schedule you already set up with Stripe, Square, PayPal, or Clover.

  • Straight to your account Funds settle to the bank account on your own processor profile, with no detour through a platform balance.
  • Your schedule Payout timing follows your processor's normal settlement, not a platform holding period layered on top.
  • Nothing to release There is no Meredosia-held balance, so there is no approval step between a completed sale and your money.
PayoutsPayments // your bank
$4,820
this week
$0
held by us
4
processors
Stripe · ending 4242connected
Next payouttomorrow → your bank
RECONCILIATION

One ledger you can actually read sky

Sales, refunds, fees, and payouts all record into a single reconciled ledger. Instead of stitching together a marketplace dashboard and your bank statement, you get one coherent view tied to your own contacts and bookings.

  • Every event captured Sales, refunds, and payouts are logged as they happen, so the ledger reflects reality rather than a summary.
  • Tied to contacts Each transaction links back to the customer and booking behind it, keeping money and relationship in one place.
  • Reconcile against the bank Because payouts settle to your account, matching the ledger to your statement is a straight line, not a guess.
Reconciled ledgerMoney // one layer
Booking deposit$45
Order$185
Invoice$320
Taxauto at checkout
Reconciledyes
TAX

Sales tax handled at checkout amber

Getting tax right is part of owning your money, not an afterthought. Meredosia leans on the payment processor to calculate sales tax at checkout, so the correct amount is collected at the moment of the sale and recorded in your ledger.

  • Calculated at the sale The processor computes sales tax at checkout, so buyers pay the right amount rather than a flat guess.
  • Recorded in the ledger Tax collected is captured alongside the sale, keeping your reconciliation and reporting honest.
  • Your processor, your config Because it is your own processor account, the tax setup follows the configuration you already control.
Field typesCRM // schema
stageselect
ratingrating 0-5
websiteurl
emailemail
ownerlink → staff
tagsmulti-select
Own it, never rent it

The real difference is who it belongs to.

Renting your business

the typical builder

A monthly fee forever. Stop paying and your site, bookings, and store go dark.
Bookings, a CRM, and payments are each an upsell, gated one feature at a time.
They hold your data and your customer list on their servers.
Payments route through their balance and their cut before you see a dollar.
Export is an afterthought. Lock-in is the whole business model.

Owning it with the sovereign way

how this works

A one-time owned license. It keeps working because it is yours to keep.
Website, CRM, booking, and payments are all included, with no per-feature ransom.
Your data is local-first, encrypted, and leaves in a single clean export.
Payouts settle straight to your bank on your own processor. No middle balance.
No lock-in. Self-host the whole thing or move it anywhere, anytime.

How a sale flows to you

  1. Connect once

    Link your own Stripe, Square, PayPal, or Clover account. The credentials are sealed locally with AES-256-GCM under your identity.

  2. Customer checks out

    A buyer pays through your processor. Sales tax is calculated at checkout, and the transaction is authorized against your account.

  3. Ledger records it

    The sale, its tax, and any fees land in your single reconciled ledger, tied to the contact and booking behind the purchase.

  4. Payout settles to you

    Funds settle straight to the bank account on your processor profile, on your processor's normal schedule, with no platform holding it.

4
Merchant connectors: Stripe, Square, PayPal, Clover
0%
Platform commission taken by Meredosia on your sales
1 ledger
Sales, refunds, and payouts reconciled in one place
Your bank
Where payouts settle, on your processor's schedule

The difference a middleman makes

On a rented platform, your revenue is not really yours until the platform decides to release it. It flows into their account, a percentage is taken, and it is paid out on their timeline, subject to their reviews and holds. Meredosia refuses that arrangement. You connect merchant accounts you already own, the customer pays through your processor, and the money settles to your bank the way it always would. There is no Meredosia balance to freeze and no commission skimmed off the top. Owning your money is not a feature you turn on, it is simply what happens when nobody stands between you and the sale.

Money and payments questions

Which processors can I connect?
You can connect your own Stripe, Square, PayPal, or Clover merchant account, so you keep the processor relationships you already have.
Does Meredosia take a cut of my sales?
No. Meredosia does not sit between you and a sale, so there is no platform commission on your transactions. You pay your processor's normal fees, and nothing to us per sale.
Where do payouts go?
Straight to the bank account on your own processor profile, on that processor's normal settlement schedule. There is no Meredosia balance in the middle.
How is sales tax handled?
Sales tax is calculated at checkout by the payment processor, so the correct amount is collected at the moment of sale and recorded in your ledger.
Can Meredosia freeze or hold my money?
No. Because funds never pool in a Meredosia account, there is no balance we could freeze, delay, or hold for review. Any holds are between you and your processor.
Where are my processor credentials kept?
Your keys are stored locally, encrypted at rest with AES-256-GCM and protected by your own DID-signed identity, not on a shared server.
How do refunds work?
You issue refunds through your own processor account, and each one is recorded in your single ledger so your books stay reconciled.
Can I take my payment history with me?
Yes. Your sales and payout history export cleanly in open formats alongside the rest of your data, so your financial record is portable too.
Meredosia

Stop renting your business back from a landlord.

Build it, run it, get paid, and keep the relationship, all on tools that are finally, genuinely yours.

Start your 14-day trial See the whole loop