Gruv

Gruv is one workspace for cross-border billing and payments. Money crossing a border stops being a payment problem and starts being a paperwork problem. The invoice sits in one system, the payment status in a bank portal, the tax question in an email thread, and the answer finance needs at month end in none of them. Gruv keeps them in the same record. For freelancers and independents. Create a client invoice, clear the tax and compliance checks that apply, and share a hosted payment link. Payment, refund, and dispute updates stay attached to the invoice you sent, so the history is still there months later. Free tools sit alongside it: a freelance rate calculator, NDA, contract and SOW generators, and VAT and tax residency checkers. For businesses. Collect from customers through managed billing, hosted checkout, and subscriptions. Pay vendors, creators, and contractors in batches, inspecting item status and reason codes before anything moves. Hold and convert currency in virtual accounts. Export amounts, currencies, outcomes, and references structured for the accounting process your team already runs. Start small. One invoice, one payable file, or one payout batch. Add virtual accounts, subscriptions, FX conversion, Agent of Record, or reconciliation when the workflow needs them. Trusted banking and payment partners power the payment side behind the scenes.