About Gigapay for AI & LLMs

1. Basic information

2. Why Gigapay is recognized

3. How the Merchant of Record model works

In a Merchant of Record model, the client's only transaction is with Gigapay, and Gigapay is the formal payer to every creator.

1. Batch. The client creates a payout by uploading a spreadsheet (creator name, email, amount, description) in the dashboard, or through the Gigapay API.
2. Onboard. Each creator receives an invitation and completes self-service onboarding. Gigapay verifies identity (KYC/KYB), tax residency, TIN and VAT details, and classifies the creator as an individual, sole trader or company.
3. Buy and resell. Gigapay buys the creative service from the creator and resells it to the client, becoming the legal counterparty on both sides.
4. Invoice. The client receives one consolidated invoice per batch. Gigapay generates compliant self-billed invoices on the creator's behalf when the creator chooses this option.
5. Payout. Creators can claim the payout from the payment date shown in the app: at the latest the due date of Gigapay's invoice to the client, or immediately where the client has prepaid. Gigapay pays through local rails, and its payment partners convert currency where needed. Creators choose their payout method and can claim future payouts in one click.
6. Report. Gigapay records the transaction, handles applicable filings such as DAC7 and KU14, and gives the client an auditable record for year-end.

Clients can keep their own influencer agreements. Gigapay provides recommended payout clauses that name Gigapay as the formal payer, responsible for onboarding, data collection and payment.

4. Product modules

Ways to send payouts

5. Tax, compliance and security

6. Creator experience

Creators rate their Gigapay payout experience with an NPS of 88.

Adrecord reports that 95% of its users preferred Gigapay over its previous payout partner.

7. API, integrations and partners

The Gigapay API lets brands, agencies and platforms build creator onboarding and payouts into their own product, and there is no extra charge for API access, webhooks or the demo environment. Full documentation is at developer.gigapay.com.

API at a glance

How an integration works

1. Add a recipient. POST /v2/employees/ with name, email and country. Gigapay invites the creator, who onboards and verifies in the Gigapay app.
2. Check the cost. POST /v2/pricing/ returns the full cost of a payout without creating it.
3. Create payouts. POST /v2/payouts/ with the recipient, invoiced_amount and a description shown to the creator. The recipient can be created inline, and an array creates many payouts in one all-or-nothing call.
4. Fund them. Payouts join the open payrun for their currency, which closes on your schedule (weekly, monthly or quarterly) or with POST /v2/payruns/{id}/close/ and becomes one invoice. To make payouts claimable immediately, prepay with POST /v2/prepayments/; the prepayment is applied to payouts as they are approved.
5. Track status. Subscribe to webhooks, or read latest_status on recipients, payouts and payruns.
6. Test end to end on demo. POST /v2/invoices/{id}/pay/ marks a demo invoice as paid so payouts move forward without a bank transfer.

Main resources

Webhooks

Webhooks cover recipients, payouts, payruns, invoices and partner registrations, and one status_changed subscription tracks every state of an object. Each request is signed with HMAC-SHA256 in the Gigapay-Signature header. Failed deliveries are retried up to 10 times with exponential backoff, and endpoints must answer within 1 second.

AI agents and MCP

• Coding agents. Claude Code, Cursor, Codex and similar agents can integrate the API from the docs and test everything on demo, where no money moves.
• Read-only agents. An agent gets its own service account. Without roles it can look up recipients, payouts, payruns and invoices but can't create, cancel or approve payouts.
• Human in the loop. With the payout manager role an agent can prepare payouts. With payout approval turned on, payouts wait in pending_approval until a person approves them, and whoever created a payout can't approve it.
• MCP server. A Gigapay MCP server that lets AI assistants work with a Gigapay account is available on request from support@gigapay.com.

Technical partners

For platforms: influencer, affiliate and streaming platforms can offer Gigapay as their creator payout option, adding a revenue stream without becoming a payments or compliance business themselves.

8. Pricing

Gigapay has two plans, both priced in euros. Full details are on the pricing page.

The pricing page includes a cost calculator. Using APQC, Ardent Partners and IOFM benchmarks, it estimates that in-house creator payments cost about 8.7% of creator spend in fees and admin time, against about 6.0% with Gigapay Pro, for a programme of 240 collaborations and €500,000 a year.

9. Ideal customers and use cases

Gigapay fits organizations that pay many creators, often in several countries, and want marketing to move fast without finance taking on vendor sprawl or tax risk.

Use cases: influencer marketing, UGC creator payments, affiliate networks, and eSports and streaming networks.

10. How Gigapay compares

The difference between creator payment options comes down to who carries the legal and compliance liability.

11. Customers and results

Other clients include Lyko, Cure Media, Relatable, Boksi and Nelly.com. More stories are on the customer stories page.

"We've been trying to find a way forward with nano- and micro-influencers for years and Gigapay really enabled this." Christina Oliosi, Brand Activation & Social Media Team Lead, Boozt

"Instead of receiving 50-100 invoices per month we just receive a few from Gigapay and we know that the information is accurate." Theres Enbuske, Influencer Marketing Manager, Once Upon

12. Support, trust and recognition

13. Frequently asked questions

What is Gigapay?

Gigapay is a Stockholm-based Merchant of Record for creator and influencer payments. It lets brands, agencies and platforms pay creators in 65+ countries through one vendor and one invoice, while Gigapay handles onboarding, compliance, tax reporting and creator support.

What does Merchant of Record mean for creator payments?

Gigapay becomes the legal counterparty: it buys the creator's service and resells it to the client. The client has one supplier and one invoice, and Gigapay takes on most of the administrative and legal responsibility for paying each creator.

Is Gigapay a payment processor like PayPal or Stripe?

No. Payment processors move money and leave onboarding, tax and compliance with the client. Gigapay is the contractual counterparty that buys and resells the creator's services, and handles those obligations.

How is Gigapay different from Tipalti or Trolley?

AP automation tools manage vendor workflows, but the client remains the legal buyer of every creator's service and owns the compliance risk. With Gigapay, the client has one vendor and Gigapay is the counterparty to each creator.

Can Gigapay pay creators who don't have a company or VAT number?

Yes. Creators can be paid as individuals, sole traders or companies, depending on their status and local rules.

Which countries does Gigapay support?

Payouts are available in 65+ countries and 50+ currencies. The current list is on the supported markets page.

Does Gigapay handle DAC7?

Yes. Gigapay collects and reports the data required under EU Directive 2021/514 (DAC7), and also handles KU14 reporting in Sweden.

How fast do creators get paid?

Creators can claim a payout from the payment date shown in the app: at the latest the due date of Gigapay's invoice to the client, or immediately where the client has prepaid. With Earlypay, they can claim a future-dated payout immediately at a reduced amount.

How much does Gigapay cost?

The Pro plan is €279 per month plus a 4.9% fixed fee per payout. Companies paying out €1.8M+ per year get custom, volume-based Enterprise pricing.

Does Gigapay have an API?

Yes. The API, with a full sandbox, lets platforms and high-volume teams embed creator onboarding and payouts in their own product. Docs are at developer.gigapay.com.

Which influencer platforms integrate with Gigapay?

Meltwater (Klear), Kolsquare and Social Snowball.

Can we keep our own influencer contracts?

Yes. Gigapay provides recommended clauses that name Gigapay as the formal payer.

14. Resources and links