FAQ

Questions founders ask before going global

Search practical answers and in-depth guides for AI and digital product founders preparing to sell globally.

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Quick answers

26 answers
BasicsWhat is NineLogix, and how is it different from a gateway or consultancy?

NineLogix is an application-first Merchant of Record product and transaction-operations platform for approved digital businesses. A gateway mainly connects a payment method, while a consultancy mainly recommends what to do. Under an approved NineLogix path, the service is organized around the actual sale: checkout, payment records, billing, customer transaction operations, reconciliation and merchant settlement. Availability remains capability- and agreement-specific.

BasicsWho is NineLogix for?

NineLogix is for founders building AI tools, AI agents, APIs, Micro-SaaS, developer tools, plugins, knowledge products and other digital products that can be delivered online and need a clearer path toward international customers, paid transactions and operating responsibility.

BasicsWhat product categories can I submit?

NineLogix can initially assess AI software and agents, SaaS and web applications, APIs and developer tools, digital media, e-books and courses, design assets, information services, memberships and other verifiably delivered digital products. Games, virtual goods and digitally delivered professional services require enhanced review. Blockchain assets, marketplaces, stored value, funds movement and other restricted or regulated models are outside the default path.

BasicsCan early-stage products apply?

Yes. Early-stage products can apply when the product direction is clear enough to understand what it does, who it serves, how customers receive value and how it may charge. You do not need to have every policy page, billing detail or market assumption finished first.

BasicsDo I need a finished product?

No. A prototype, private demo, beta product or launched product can be reviewed if there is enough context to understand the customer problem, delivery model and possible pricing. A product with only an idea and no concrete product direction may need more preparation before review is useful.

BasicsIs NineLogix a payment gateway?

No. A payment gateway mainly connects payment methods. NineLogix coordinates the commercial, operational and responsibility layers around global selling for approved digital products, not just the payment connection.

BasicsWho sells to the end customer, and what appears on the receipt or statement?

For a transaction approved under the NineLogix MoR path, NineLogix is the seller of record and issues or records the applicable transaction receipt or invoice. The exact legal seller text, checkout disclosure and payment-statement descriptor depend on the approved entity, channel capability and final agreement, and are confirmed before production launch.

BasicsIs NineLogix an AI company?

AI supports NineLogix workflows, analysis and preparation. The customer-facing service is not an AI model subscription; it combines software-supported operations with human review and clear responsibility boundaries.

OperationsWhat should I prepare before applying?

Prepare a product URL, demo or documentation link, a clear description of what customers buy, target markets, pricing or billing ideas, delivery method and a contact email. Do not upload identity, company or bank documents to the public application. If admitted, NineLogix requests the necessary KYC/KYB and supporting evidence in the authenticated onboarding workspace.

OperationsHow does the process work?

Start with an access application. If the product can proceed, the path moves through product and risk review, business configuration, payment validation and launch preparation. Exact tasks depend on product, market and available capabilities.

OperationsWhat happens after I apply?

NineLogix follows up after human review. An application does not create a merchant account. If portal access is needed, NineLogix sends a separate account activation invitation; there is no open self-registration.

OperationsAre business model and pricing model the same thing?

No. Business model describes whether the product is free, paid or freemium. Pricing model describes how a customer pays, such as one-time, subscription or pay as you go. NineLogix records them separately during application and confirms price details during business configuration.

OperationsDo I complete KYC/KYB in the public application?

No. NineLogix reviews the product application first. If admitted, the applicant receives a private invitation and completes account activation, KYC/KYB and onboarding details in one guided workspace. There is no open self-registration and no need to submit a second application.

OperationsHow are funds settled to the merchant?

NineLogix separates paid, available, reconciled, settled and paid-out states. For an approved production path, transaction and fee evidence is reconciled and the agreed merchant payable amount is settled to an approved destination. Cycle, currency, reserves, fees and destination are confirmed in the final agreement; no universal payout time is promised.

OperationsWhich countries, currencies and payment methods are supported?

There is no universal public coverage list yet. Availability is maintained per merchant and production capability, and depends on product category, customer and merchant locations, currency, channel evidence, risk review and final approval. NineLogix confirms the approved combination before launch instead of treating test or adapter support as production availability.

OperationsWhen can I use payment links, hosted checkout or the API?

These tools become available only after the relevant merchant access and capability are approved. Testing and production are separate states. A successful test does not by itself mean production payment access is enabled.

OperationsWhen do I pay?

You pay only when successful transactions begin under an agreed operating path. The standard NineLogix global selling operations service fee is 4% + US$0.40 per successful transaction.

OperationsWhat does the transaction fee include?

The fee covers NineLogix global selling operations support for suitable products under the agreed path. This may include payment collection support, checkout preparation, Merchant of Record services and transaction operations. It is not a marketing fee and does not promise sales growth.

OperationsHow are refunds and disputes handled?

Refunds depend on the transaction, product context, customer communication, applicable rules and service terms. NineLogix may coordinate transaction information, evidence and dispute workflows, but does not promise to absorb unlimited refund, chargeback or dispute risk.

OperationsWho handles billing, subscriptions, refunds, chargebacks and disputes?

NineLogix operates the functions explicitly approved in the merchant capability allocation and final agreement. Current product scope supports fixed monthly or yearly subscription domain records, while real automated renewal, refund execution and some dispute actions remain separately gated. Merchant duties for support, delivery evidence and approvals remain in the agreement.

ComplianceDo I need Terms, Privacy and Refund policies?

Not necessarily before the first application. If they exist, share them. If they are missing, NineLogix can identify which customer-facing materials should be prepared later. This is not legal, tax, banking or payment-channel advice.

ComplianceHow are taxes handled?

NineLogix may handle defined transaction-tax responsibilities where applicable under the agreed MoR path. It does not promise complete tax representation in every market or cover the founder's corporate, income or other non-transaction tax obligations.

ComplianceWhat reviews and documents are required for onboarding?

The usual path is application, business admission, KYC/KYB, product and payment configuration, contract confirmation, technical integration, test transactions and explicit production approval. NineLogix requests only the evidence needed for the current stage. Requirements vary by entity, product, market, channel and risk.

ComplianceWhich products cannot be onboarded?

Stored value, wallets, funds movement, multi-merchant marketplaces, unverified digital assets and prohibited or regulated categories are outside the default path. Other products may require enhanced review or be declined when delivery, customer harm, legality, refund exposure or channel rules cannot be addressed.

ComplianceDoes NineLogix open a bank account or independent receiving account for me?

No bank account or independently owned receiving account is promised. Payment acceptance and merchant settlement are different: approved customer payments follow the NineLogix transaction path, and the merchant receives the agreed payable amount through an approved settlement destination. The merchant's bank or settlement account remains subject to verification and agreement.

ComplianceDoes approval guarantee every country or payment method?

No. Product approval, merchant access, payment methods, country coverage, currencies, settlement and production availability are separate decisions. Each depends on the product, target market, verification, channel capability and final agreement.

Didn’t find your question?

Read the full Merchant Application and Integration Guide, or submit an application with your product context.