> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spirii.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment flows

> How Spirii handles money — from a driver tapping a terminal to a CPO receiving their monthly payout.

Spirii sits in the middle of every financial transaction on your charging network. From the moment a driver pays to the moment revenue lands in your account, Spirii manages acquiring, VAT, settlement, and payouts — so you don't have to.

```mermaid theme={null} theme={null}
flowchart LR
    A("Driver\n(App)") --> S("Spirii Platform")
    B("Driver\n(Terminal)") --> S
    C("Driver\n(Token)") --> S
    D("Roaming Partner") --> S
    S --> E("CPO / Site Owner\npayout")
    S --> F("Fleet\nmonthly invoice")
    S --> G("Employee\nreimbursement")
```

## What Spirii handles

Payments on the Spirii platform work across four distinct channels. Each brings drivers different payment options and CPOs different operational requirements.

<CardGroup cols={2}>
  <Card title="In-app payments" icon="smartphone" href="/capabilities/payments/in-app-payments">
    Drivers pay through the Spirii app or your branded app. Spirii handles acquiring, VAT, and digital receipts as Merchant of Record.
  </Card>

  <Card title="In-person payments" icon="credit-card" href="/capabilities/payments/in-person-payments">
    Contactless card, Apple Pay, and Google Pay at the charger. Spirii provides the hardware, software, and acquiring end-to-end.
  </Card>

  <Card title="Token billing" icon="key-round" href="/capabilities/billing-payouts/token-billing">
    Fleet drivers tap an RFID card or virtual token. With Full Service billing, Spirii consolidates all sessions into a single monthly invoice to the fleet company.
  </Card>

  <Card title="Roaming settlement" icon="globe" href="/capabilities/billing-payouts/roaming-settlement">
    Drivers from other networks charge on your stations, or your drivers charge on other networks. Spirii handles all cross-network invoicing and settlement.
  </Card>
</CardGroup>

### When to enable each channel

* **In-App** — the default for registered Spirii drivers. Enable it on every location; no additional hardware is required.
* **In-person payments** — essential for high-traffic public locations (motorways, retail car parks, destination charging) where you expect drivers who don't have a charging app. Requires purchasing and installing a Payter Apollo terminal.
* **Token billing** — for fleet and corporate customers. Enable Full Service billing if you want Spirii to invoice fleet companies on your behalf. Drivers need an RFID card or virtual token issued by their employer.
* **Roaming** — extends your reach to any driver who uses a roaming-enabled eMSP app or card. Enable it on any public location. Set a roaming tariff that covers your costs and margin.

## How Spirii fits into your business

What Spirii does on the financial side depends on how you use the platform.

### As a CPO

Spirii collects revenue on your behalf and pays it out to you monthly via a self-billing invoice. The payout covers every session across the channels you've enabled — app, terminal, token, and roaming. If you share revenue with site owners, Spirii can split and route payouts directly to each party.

### As a fleet operator or eMSP

Spirii invoices your company for all charging by your drivers — on the Spirii network and across roaming partners — on a single consolidated bill. For employees charging at home, Spirii automates the reimbursement directly to their bank accounts.

## Related

<CardGroup cols={2}>
  <Card title="Billing and payout flows" icon="building-2" href="/capabilities/billing-payouts/billing-and-payout-flows">
    How money moves between drivers, Spirii, and you — from payment to payout.
  </Card>

  <Card title="Revenue sharing & automated payouts" icon="banknote" href="/capabilities/billing-payouts/revenue-sharing">
    How Spirii distributes revenue to CPOs, site owners, and subsidiaries.
  </Card>
</CardGroup>