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Macropay Journal · engineering & finance

The operating manual for the AI money layer.

11 in-depth guidesAI billing · Stripe migration · Merchant of RecordFollow via RSS ↗
Guides, postmortems, and playbooks

Every article is a complete read.

10 articles
Macropay Journal · Engineering12 min read
STRIPE
Engineering

Stripe holding your funds for 180 days? The cash-flow playbook.

180 days. No payouts. The four cash-flow moves that bridge an AI company through a Stripe reserve hold — pulled from real workouts in 2025, with the numbers that worked.

Helena Park · COO, Pact LabsRead article →
Macropay Journal · Tax & MoR10 min read
TAX / MoR
Tax & MoR

EU VAT reverse charge: when B2B isn't actually B2B.

Reverse charge can collapse 19% VAT to 0% for B2B EU sales. The catch: you need a verified VIES VAT number for every customer. We map the verification flow and the fallbacks when it fails.

Lina Okafor · VP Finance, Nimbus AIRead article →
Macropay Journal · Tax & MoR11 min read
TAX / MoR
Tax & MoR

OSS, IOSS, MOSS — what each scheme actually solves.

OSS, Non-Union OSS, IOSS. Three EU schemes with overlapping scope and very different filing cadences. A practical guide to which one your AI co actually needs to file under.

Lina Okafor · VP Finance, Nimbus AIRead article →
Macropay Journal · Engineering13 min read
STRIPE
Engineering

Why Stripe flags AI companies as "high-risk" — the 6 signals decoded.

Six signals trip Stripe's risk underwriting for AI companies. We walk each one with the data Stripe sees, the threshold it likely uses, and the concrete fix that takes you below the line.

Helena Park · COO, Pact LabsRead article →
Macropay Journal · Tax & MoR12 min read
TAX / MoR
Tax & MoR

South Dakota v. Wayfair, 8 years later: the sales tax map that ate SaaS.

Before 2018, you needed offices in a state to owe sales tax there. After 2018, you don't. The 8-year map of how that rule reshaped SaaS — and which states are still moving the goalposts.

Lina Okafor · VP Finance, Nimbus AIRead article →
Macropay Journal · Tax & MoR11 min read
TAX / MoR
Tax & MoR

Economic nexus is the line you'll cross before you notice.

$100k or 200 transactions. The thresholds look simple. The 21 states that interpret them their own way are not. The actual triggers AI companies hit, and how to model your exposure today.

Lina Okafor · VP Finance, Nimbus AIRead article →
Macropay Journal · Engineering13 min read
STRIPE
Engineering

AI inference billing breaks Stripe — here's the math.

Stripe Billing meters seats well and events badly. We trace what breaks when you put GPT-4o on Stripe's metered billing, and the four primitives an AI-first MoR ships in their place.

Maro Onyx · Eng Lead, MacropayRead article →
Macropay Journal · Engineering10 min read
STRIPE
Engineering

Got blocked by Stripe? Here's the 72-hour playbook.

We've watched eight AI companies get paused by Stripe in 2025. The pattern is the same every time. Here's the 72-hour playbook: what to send Stripe, what to ignore, and when to migrate.

Helena Park · COO, Pact LabsRead article →
Macropay Journal · Tax & MoR14 min read
TAX / MoR
Tax & MoR

VAT, GST, and the 92 jurisdictions quietly sitting on your balance sheet.

26 presentment currencies, dozens of indirect tax regimes, and a thousand ways to register late. The map of where AI companies actually owe VAT — and the cost of finding out a year after you did.

Lina Okafor · VP Finance, Nimbus AIRead article →
Macropay Journal · Tax & MoR12 min read
TAX / MoR
Tax & MoR

Sales tax liability is your problem, not Stripe's — until it isn't.

Stripe Tax computes the rate. You still owe the tax. We walk through the 1099-K problem, economic nexus thresholds, and where Merchant of Record cleanly cuts your exposure to zero.

Lina Okafor · VP Finance, Nimbus AIRead article →
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