Reporting

Payments Reporting & Payouts

Payments reporting is designed to help finance and accounting teams understand how transaction activity is reconciled and how payouts are calculated when Stash acts as the Merchant of Record (MoR).

This section provides a high-level overview of reporting and payout mechanics, without going into operational or system-level detail. The goal is to provide clarity on how commercial activity handled by Stash is reflected in partner-facing financial reports.

Stash’s approach prioritizes clarity and predictability, allowing partners to confidently reconcile revenue and close their books.

Monthly Reporting Cycle

Stash follows a monthly reporting cycle. At the end of each reporting period, transaction data is finalized and consolidated into a single report for partners.

Because Stash operates as the Merchant of Record, this reporting reflects the full purchase lifecycle managed by Stash during the period.

Once reporting is finalized, payouts are initiated on a monthly basis. This consistent cadence allows finance teams to plan reconciliation, forecasting, and close processes with confidence.

Each monthly report provides a structured breakdown of financial activity for the period, including:

• Revenue generated through Stash-powered transactions
• Channel and payment fees applied during processing
• Taxes calculated, collected, and remitted by Stash as Merchant of Record
• Refunds issued during the reporting period
• Disputes and chargebacks, where applicable

The report is designed to clearly show how gross revenue flows through these components to arrive at a net payout, without requiring partners to perform additional calculations.

Relationship Between Reporting and MoR Responsibilities

As Merchant of Record, Stash is legally responsible for the transaction and manages all payment-related activities, including taxes, refunds, and disputes.

Payments reporting reflects these responsibilities by:

• Including taxes handled by Stash rather than requiring partners to account for tax liabilities
• Reflecting refunds, disputes, and chargebacks directly in financial results
• Presenting a net payout amount that represents the partner’s share of proceeds after MoR obligations are applied

This structure ensures that financial reporting aligns with the operational and legal responsibilities assumed by Stash.

Payout Currency and Conversion

Players may complete purchases in a variety of local currencies. Payouts to partners, however, are made in supported payout currencies.

To manage currency differences across regions, Stash uses a structured pricing and conversion model. Rather than relying on live foreign exchange rates at runtime, pricing is based on predefined price matrices that provide consistency across markets.

This approach helps avoid unexpected currency fluctuations, simplifies reconciliation, and supports predictable financial reporting across regions.