# Introduction
All business account on Vesicash is opened to a Merchant of Record service. By default a USD and a GBP MoR wallet is created for all account after ongoing proper onboarding on the platform.
Our MoR service cuts across some African countries, such as **Ghana, Kenya, Egypt, South Africa** and **Zambia**. To setup an MoR service in any of these countries, you would need to sign an MoR agreement on that country on Vesicash platform. Then you should be eligible to carryout transaction in that country.
Each MoR transaction attracts a certain sales tax percentage, which would be deducted when your MoR funds is being processed from your MoR wallet to your base wallet.
Vesicash provides a seamless way to accept payments across multiple channels, including **cards** and **mobile money**. Whether you're integrating payments into a website, mobile application, or a custom checkout flow, our flexible APIs give you complete control while ensuring secure and smooth transactions.
Vesicash supports **two payment completion flows**, depending on your preferred integration style:
#### **1. Checkout flow (Redirect flow)**
Use this flow if you want Vesicah to handle the entire payment UI/UX.
**Steps:**
1. **Initiate payment**: Call the Initiate Payment endpoint to create a new transaction.
2. **Redirect Customer**: Extract the payment\_link returned in the response.
3. **Customer Completes Payment**: Redirect the customer to the Vesicash-hosted checkout page where they complete the transaction.
#### 2. Non‑Checkout Flow (Direct API Flow)
Use this flow if you want to handle the checkout UI yourself and complete payments programmatically via API.
**Steps:**
1. **Initiate Payment:**
* Call the **`Initiate Payment`** endpoint to begin the transaction.
* The response includes a **`payment_reference`**.
2. **Complete Payment**: Call the Complete Payment endpoint, passing the payment\_reference returned during initiation.
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