Private early access · Built for Europe

Keep building your product. Not the billing company around it.

Villow is European Merchant of Record infrastructure built for the AI era. Drop our AI-ready API into your editor and ship checkout, subscriptions, usage billing, tax, and payouts — live in minutes, not sprints.

Apply for early access Why you need Villow

Set up by promptTax & invoices handledYou sell, we're liable

Go live across Europe in minutes. VAT, invoicing, and payouts handled.

Why a Merchant of Record

You ship the product. We're on the hook.

A payment processor moves the money — the tax, invoices, chargebacks, and refunds stay your problem. As Merchant of Record, Villow becomes the seller of record and takes them on.

What Villow takes on

checkWe become seller of record and carry the tax liability
checkInvoicing & receipts handled
checkWe carry chargeback exposure and run the evidence workflow
checkRefunds handled
checkReserves & reason-coded payout holds on our side
checkRecords kept for audit defense

A regular payment processor

closeCalculate, collect & remit VAT (OSS / IOSS)
closeIssue compliant invoices & receipts
closeChargeback & dispute liability
closeRefund handling
closeFraud exposure, reserves & payout timing
closeAudit defense

Subject to legal and tax review by country and product category.

Built for the AI era

Ship checkout in one prompt.

Building your SaaS with Cursor, v0, or Claude? Villow's docs are written to be read by your AI. Point it at our llms.txt, or connect the Villow MCP server, describe what you want to sell, and it wires up checkout, billing, tax, and entitlements for you — usually in under two minutes. No billing sprint, no tax research.

llms.txtOpenAPI 3.1MCP server

"Add Villow to my app so I can sell: checkout, subscriptions, EU VAT and invoices, all handled."

// Villow: checkout, subscriptions, EU VAT & invoices — set up in 1m48s.

AI-ready by design. Your editor does the integration.

Accepting payments is the easy part.

Then you're the billing department. The list only grows:

check_box_outline_blankSubscription state

check_box_outline_blankUsage tracking & metering

check_box_outline_blankCredit balances & quotas

check_box_outline_blankPlan limits and access control

check_box_outline_blankInvoice generation

check_box_outline_blankVAT, OSS and IOSS workflows

check_box_outline_blankRefunds and disputes

check_box_outline_blankPayout reconciliation

The second product you never meant to build.

That whole second product? Villow hands it to you through a single integration.

Billing

Subscription state, plan changes, trials, coupons, cancellations.

Usage

Bill the API calls, tokens, and compute your app reports, including quotas and overages.

Credits

Balances, reservations, hard caps, expiry, invoice lines.

Entitlements

Feature access, plan limits, download access, overrides.

Tax & invoices

VAT workflows, invoice fields, buyer receipts, records.

Disputes

Refund history, access proof, fulfillment evidence.

Payouts

Gross, fees, tax, reserves, refunds, net payout.

Compliance

Product and country checks before checkout.

Raw usage goes in. Revenue comes out.

Charge for usage before it burns you.

AI and API teams need revenue control before expensive usage happens.

boltAuthorize usage before tokens, API calls, or compute are consumed
boltCheck credits before usage
boltEnforce hard quota limits
boltSupport overages cleanly
boltLink every invoice line to a raw usage event
boltShow customers their own usage history
boltCall entitlement checks straight from your product

Building credits, quotas, or usage billing yourself? Apply for the design-partner track. arrow_forward

Built for European tax reality.

check_circleLocal currency and clear tax display

check_circleVAT ID and regional invoice fields where needed

check_circleBuyer receipts and proper invoice records

check_circleCountry-specific product policy

check_circleCompliance checks before checkout creation

Subject to legal and tax review by country and product category.

Is this you?

Good fit

checkEuropean SaaS
checkAI products with credits, tokens, quota or seat-plus-usage pricing
checkAPI businesses with usage-based billing
checkSoftware selling subscriptions across Europe
checkTeams about to build billing, tax, usage or entitlement logic themselves

Lower fit for the first private beta

removeHigh-risk categories (gambling, pharma, etc.)
removeSellers who only need a basic payment button
removeLarge enterprises with mature in-house billing teams
removeProducts needing money movement outside licensed payment infrastructure

Frequently asked

Are you a payment processor? add

No. Villow is the revenue and Merchant of Record layer for software businesses.

Will you act as Merchant of Record? add

Yes — that is the core of the product, subject to legal and tax review by country and product category.

How fast can I integrate? add

Most teams paste our AI-ready API into their editor and have checkout, billing, and tax live in minutes.

Will you support usage-based billing and AI credits? add

Yes. Your product sends usage events; Villow bills them and enforces limits, including credits and overages.

Will you handle VAT and invoices? add

European VAT workflows, invoice fields, and receipts are part of the planned scope, subject to legal and tax review.

What will it cost? add

One simple rate that already includes Merchant of Record, tax, billing, and payouts — no setup fee. Exact pricing is shared with design partners.

When will this be available? add

Villow is in private early access. We are onboarding a small group of design partners first.