Stratos builds the software merchants and customers use to take, track and settle payments: the control panel, the wallet, hosted checkout, the API and the reports.
Who holds the money
Stratos does not hold a banking, e-money or payments licence. Live money is held and moved by a licensed partner under its own licence; Stratos is its technology provider. Until a partner's connection is live, payments run on sandbox rails, and the control panel says so on every page that shows them.
What you can do today
- Open a merchant account and send your business file for review.
- Take payments by link, hosted checkout, QR and invoice, and bill customers on a schedule.
- See every payment, payout, dispute and report in one control panel.
- Ask Fin, the assistant, about any of it in plain words.
Where to read more
The regulatory status page lists what is held and what is not, and the terms explain who is responsible for what.
Updated 06 Nov 2026
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