"Finance" relates to invoices and tracking payments that happen outside of the Kicksite system. It does not require a 3rd party to manage transactions. It creates an invoice and tracks payments made by a customer. "Billing" is a transaction that happen inside Kicksite. An account for Billing must be set up through Solupay in order to track transactions inside of Kicksite. No merchant account is required to track invoices and payments made to the studio outside of Kicksite.