Stripe or Merchant of Record?
Accounting sometimes starts before the first invoice.
Accounting and operational advisory for digital businesses.
We help freelancers, founders, and digital companies think through how their payments, platforms, documents, and accounting processes should work — before they become a problem.
When the question is not only “how do I book this?”
A digital business can start simply and become complicated very quickly.
Etsy or your own Shopify?
An invoice or a platform report?
One payout or hundreds of customer transactions?
Slovakia, the EU, or the whole world?
One platform decision can change invoicing, record-keeping, the VAT workflow, and the data you will need for accounting.
Accquix Advisory breaks these decisions down into concrete financial and accounting flows.
Accquix Advisory
Two formats for what you need
Think with me.
You have specific questions, are choosing between several options, or want a second perspective from someone who understands digital business. A Session is space to think together about your existing situation.
Useful, for example, when:
- you are considering Stripe or a Merchant of Record;
- you do not know which documents accounting will need;
- you want to discuss how a specific platform works;
- you are comparing the practical differences between two setups;
- you want a second perspective on your existing accounting workflow;
- you need to understand where an accounting or compliance problem sits in your model.
What a Session includes
- a 60-minute video call;
- a discussion of your specific questions;
- a practical perspective based on Accquix experience;
- a recommendation for the next step.
What a Session does not include
A Session is not a research project.
It does not include individual study of platforms, contracts, or legislation before the meeting, extensive calculations, a complete architecture proposal, or a written expert opinion. You can send us a short context in advance so we can use the meeting time efficiently.
If we first need to research your problem and design a solution, a Blueprint is more suitable.
Design it for me.
When one answer is not enough. A Blueprint is an individually prepared proposal for the accounting and operational setup of your digital business. First we understand how your business works. Then we research relevant platforms, payment flows, and accounting requirements and design a system you can actually use.
A Blueprint can cover, for example
- Stripe, PayPal, and other PSPs;
- Merchant of Record models;
- Etsy, Shopify, Gumroad, Lemon Squeezy, and other platforms;
- SaaS subscriptions;
- digital products;
- marketplaces and platform payouts;
- AdSense, affiliate, and platform income;
- customers from Slovakia, the EU, and third countries;
- invoicing and platform-generated documents;
- fees, refunds, chargebacks, and settlements;
- accounting records and documentation;
- §7a, VAT, and OSS touchpoints within the accounting workflow;
- moving between different payment or sales models;
- a process proposal before launching a new revenue stream.
From context to system
How a Blueprint is made
Intake
First we map your business. What you sell, to whom, through which platforms, how you receive money, and what already works today.
Research
We check the relevant parts of the model before the joint workshop. This can include how specific platforms work, payment flows, reporting, the settlement model, or the accounting evidence available.
Architecture
We propose a recommended way of working. Not just a list of rules, but a concrete model for how money, documents, and data should move between the customer, platform, bank, and accounting.
Workshop
We review the finished proposal together on a video call. We explain the decisions, alternatives, and areas that will need another decision.
Written Blueprint
You receive an output you can return to during implementation.
A concrete output
What can be in the output
Every Blueprint is different, but depending on the scope it may include:
Recommended setup;
Transaction and money-flow map;
The role of each platform;
Seller / platform / PSP / Merchant of Record model;
Invoicing workflow;
Required evidence and documents;
Payout and settlement workflow;
Accounting treatment of individual flows;
Currencies and bank accounts;
Relevant VAT, §7a, and OSS touchpoints;
Open risks and questions;
Areas to be assessed by a tax adviser or lawyer;
Implementation checklist.
The result is not a general hourly consultation. The result is a system proposal for your specific business.
Choose your scope
Session or Blueprint?
You have a question.
You want to discuss it with us, get a second perspective, or clarify your direction.
€99 / 60 minThink with me.
You have a system to design.
You need research, a comparison of options, and a concrete operating model.
from €490Design it for me.
The typical difference
01 · Session
I use Stripe to invoice B2B clients in the EU. I am considering Lemon Squeezy for a new digital product. I want to understand the practical difference.
This is something we can discuss together.
02 · Blueprint
I am a designer. I sell services and want to add digital products, Etsy, Shopify or a Merchant of Record, YouTube, affiliate income, and customers in different countries. I need to know how to set up the whole model.
This is no longer one question. First, the individual flows need to be researched, compared, and designed as one working system.
Scope and price
Blueprint pricing
The scope of each Blueprint varies with the number of platforms, revenue streams, countries, and the complexity of the financial flows.
Scope and price
from €490
Before work begins, you always receive a fixed price for the agreed scope.
No open-ended hourly billing. No surprise at the end of the project.
Complex payment architectures, marketplaces, custom settlements, or several interconnected payment systems are priced individually.
When a system already exists
Already have a system?
Advisory is not always the right product. If you are already operating and want to check whether your documents, records, and existing workflows are set up correctly, see Accquix Health Check.
Session
Think with me.
Health Check
Check what I already have.
Blueprint
Design it for me.
Scope
Scope
Accquix Advisory focuses on accounting processes, financial and payment flows, record-keeping, how digital platforms work, and the practical setup of business processes. We do not provide services as tax advice under Act No. 78/1992 Coll. on tax advisers. If a specific question requires individual tax or legal assessment, we identify it as an open point and recommend having it checked by the appropriate professional.
Not sure what you need?
Let’s start short.
In a free 20-minute Discovery Call, we will review the basic context and tell you whether your case belongs in a Session, a Blueprint, or one of Accquix’s accounting products.
A Discovery Call is not an accounting consultation. It is for understanding the case and choosing the right scope of collaboration.