Transparent pricing that scales with volume.
Start with predictable transaction pricing, then move to blended and custom rates as your volume, markets, and payment mix evolve.
2.9% + 30¢
For early volume- Global payment methods
- Unified reporting
- Developer sandbox
- Fraud controls
Custom blended
For growing teams- Global payment methods
- Unified reporting
- Developer sandbox
- Fraud controls
Tailored
For global scale- Global payment methods
- Unified reporting
- Developer sandbox
- Fraud controls
A restrained view of what changes as you grow.
Illustrative US pricing shown for planning. Your final commercial schedule reflects payment methods, markets, risk, and committed volume.
| Capability | Launch | Scale | Enterprise |
|---|---|---|---|
| Online cards | 2.9% + 30¢ | 2.5% + 25¢ | Custom |
| Local payment methods | From 1.2% | From 0.9% | Custom |
| Domestic payouts | $0.35 | $0.20 | Custom |
| Cross-border settlement | 0.8% | 0.5% | Volume based |
| Fraud controls | Core rules | Advanced | Tailored |
| Support | Standard | Priority | Dedicated |
Volume economics
Rates can step down as monthly processed volume and payout counts increase.
Regional mix
Local methods and acquiring routes have market-specific network economics.
Risk profile
Fraud tooling and reserve terms reflect your business model and risk controls.
Product mix
Gateway, payouts, FX, settlement, and add-ons can be priced as one package.
Clear answers, before you commit.
Pricing and operations teams get predictable commercial terms, technical detail, and direct access to specialists.
What is included in every plan?
Core APIs, hosted checkout, a production-like sandbox, standard reporting, security controls, and access to status history are included.
How are card transactions priced?
Launch uses a presentational flat rate. Scale and Enterprise can use blended, interchange-plus, or custom structures based on your profile.
How do payout fees work?
Fees vary by destination rail and region. Domestic standard payouts begin at the illustrative rate shown; faster and international rails differ.
Can pricing decrease as volume grows?
Yes. Scale and Enterprise agreements can include tiered discounts based on processed volume, payment mix, and commitment.
What support is available?
Launch includes standard support, Scale adds priority technical help, and Enterprise includes a dedicated operating cadence and 24/7 critical coverage.
Can we model ROI before signing?
Yes. Our team can estimate authorization uplift, vendor consolidation, operations savings, and market-entry impact using your current baseline.
Accept every major local payment method.
All plans include access to 40+ payment methods without additional integration fees.
Apple Pay, Google Pay, Alipay
ACH, SEPA, Bacs, iDEAL
Klarna, Afterpay, Affirm
Visa, Mastercard, Amex, Discover
Find the pricing model that fits your volume.
Share your regions, methods, and monthly profile. We will return a clear commercial proposal and implementation path.
One payment stack. Every market.
Compose checkout, payouts, settlement, risk, and operations on one programmable ledger—without rebuilding your payments foundation as you grow.
AuthorizationUS → GB$42,860Approved
Split payout3 recipients$18,240Scheduled
SettlementEUR balance€96,410Complete
Everything you need to move money with control.
Select the modules you need today. Add new payment methods, regions, and workflows without creating a fragmented operating stack.
Modular Payment Gateway
High-conversion checkout with local acquiring, intelligent routing, and one payment intent model.
40+ payment methodsPayment Links and QR
Launch secure no-code collection flows for invoices, social selling, and in-person moments.
Go live in minutesSplit Payouts
Route funds across sellers, partners, tax, and platform fees with programmable rules.
N-way disbursementCross-Border Settlement
Consolidate balances, see transparent FX, and settle to local accounts on your schedule.
Fraud and Risk
Apply adaptive rules, device signals, 3DS, and network intelligence before authorization.
Reconciliation and Observability
Trace every state change from payment to ledger entry, payout, dispute, and settlement.
Turn more intent into approved payments.
A unified gateway combines local payment methods, network tokens, retries, and processor routing behind one resilient API.
- Smart routing by cost, latency, and acceptance
- Adaptive authentication and network tokens
- Drop-in UI or fully custom checkout
AuthorizationUS → GB$42,860Approved
Split payout3 recipients$18,240Scheduled
SettlementEUR balance€96,410Complete
Choose the product layer that solves today and keep the same foundation tomorrow.
Sobopay separates payment experiences from orchestration, ledgering, risk, and treasury so every team can evolve independently.
Every module shares one ledger, one event model, and one operational control plane.
Experiences
Hosted checkout, links, QR, and embedded UI
LAYER 1Orchestration
Routing, retries, authentication, and failover
LAYER 2Unified ledger
Immutable balances and transaction lineage
LAYER 3Risk engine
Rules, signals, disputes, and controls
LAYER 4Treasury
FX, settlement, and multi-entity reporting
LAYER 5Automated reconciliation built in.
Stop downloading CSVs. Our API matches every payment, refund, and fee directly to your bank payout automatically.
- Export directly to NetSuite and Xero
- Custom webhooks for accounting events
- Multi-entity consolidated reporting
A Powerful Suite of Financial Tools.
Explore SoboPay's unified products for all your business needs.
Integrated Checkout API
Customizable and conversion-optimized payment forms. Multi-currency and local payment methods.
Launch Checkout
Recurring Billing & Subscription
Automated invoicing, tiered pricing, and intelligent retries for failed payments.
Create Subscription Plan
Global Payouts
Faster, lower-cost international payouts to 180+ countries and territories.
Send Payouts
Integrated Checkout API
Customizable and conversion-optimized payment forms. Multi-currency and local payment methods
Payment infrastructure built around your business model.
From multi-party marketplaces to global treasury teams, Sobopay adapts to how your business earns, moves, and reconciles money.
A Powerful Suit of Financial Tools
Explore SoboPay's unified products for all of your business needs
Optimize recurring revenue.
Automate complex billing logic, handle upgrades or downgrades seamlessly, and recover failed payments automatically with Smart Retries.
View SaaS Solutions ↗One customer payment. Every obligation handled.
A single payment intent becomes a fully reconciled set of ledger entries and payouts—without manual spreadsheets or disconnected processors.
Seller onboarding
Collect identity and business data with adaptable verification.
Real-time allocation
Calculate platform fees, tax, tips, reserves, and partner shares.
Scheduled release
Release balances on delivery, milestones, or custom payout cycles.
Reconciled by default
Connect every payout to its source order, fee, adjustment, and refund.
Live Ledger Audit Stream
No card clutter — accurate, real-time financial tracking matching bank-grade ERP ledger models.
| Transaction ID | Destination entity | Routing protocol | Fee breakdown | Net disbursed | Status |
|---|---|---|---|---|---|
| #TX-884910 | Apex Marketplace LLC | Multi-Vendor Split | 2.1% + $0.30 | $3,420.50 USD | Settled (T+0) |
| #TX-884911 | CloudStack SaaS Global | Direct Local Rail | 1.4% Flat | €8,940.00 EUR | Settled (SEPA) |
| #TX-884912 | Alpha Logistics Escrow | Rolling Reserve (7d) | 0.5% Reserve | $1,120.00 USD | In Escrow |
| #TX-884913 | PixelCraft Creator Hub | Automated Tiered Payout | 1.8% + $0.15 | $540.25 USD | Settled (RTP) |
Design a payment model around your growth.
Bring us your hardest money flow. Our solution architects will map the operational, regulatory, and technical path to launch.
Unified Payment Infrastructure for Global Commerce.
Accept frictionless payments, automate split payouts, and settle cross-border transactions in seconds with modular developer APIs.
Move money with less friction—and far more control.
Composable infrastructure for the full payment lifecycle, from checkout to partner payouts and treasury settlement.
Modular Payment Gateway
High-uptime multi-currency checkout supporting local cards, dynamic QR codes, and digital wallets.
- Recover more revenue with intelligent routing
- Embed once, localize across every market
- Tokenized credentials and adaptive 3DS
Automated Split Payouts
Route funds across sellers, partners, and platforms with programmable rules and automated disbursements.
- Flexible percentage and fixed-fee rules
- Onboard and verify partners globally
- Real-time ledger with complete audit trails
Cross-Border Settlement
Settle balances in local currencies in seconds with transparent FX, consolidated treasury views, and configurable schedules.
- 150+ markets through one integration
- Live rates with predictable settlement fees
- Automated balance sweeps and reconciliation
Stop fraud, not legitimate customers.
Our machine learning models analyze billions of data points across the network to identify subtle fraud patterns in real-time, drastically reducing false positives.
- Device fingerprinting & behavioral biometrics
- Custom risk rules and dynamic 3D Secure
- Automated dispute evidence submission
We work where you work.
Our distributed team operates across 4 major hubs and 18 regional offices to provide true 24/7 localized support.
San Francisco
HQ & Engineering Hub
London
EMEA Operations
Singapore
APAC Risk & Treasury
São Paulo
LATAM Acquiring
PCI DSS Level 1
Independently audited controls for secure card data handling.
End-to-end encryption
Tokenized credentials and encrypted data at every hop.
Intelligent routing
Dynamic optimization across processors, cost, and latency.
Resilient authentication
Adaptive 3DS, passkeys, and risk-aware step-up flows.
Performance you can build your reputation on.
Sobopay keeps every transaction fast, observable, and available from your first API call to peak global volume.
From first request to production in one afternoon.
Predictable APIs, typed SDKs, and local test environments let your team ship global payment flows without inheriting payments complexity.
Explore the docs ↗
const payment = await sobopay.payments.create({
amount: 42800, currency: "USD",
capture_method: "automatic",
split: [{ account: "acct_market", share: 8200 }],
metadata: { order_id: "ORD-28491" }
});
// 201 Created • 186ms
payment.status // "authorized"Infrastructure that works like part of your stack.
Modular APIs
Compose only the products your flow needs, with versioned REST and GraphQL interfaces.
Reliable webhooks
Signed, replayable events with delivery logs and endpoint health monitoring.
Smart retries
Recover soft declines automatically with network-aware retry windows.
Fraud controls
Real-time rules, device intelligence, and adaptive risk decisions.
Reconciliation
Ledger-grade reports that match payments, fees, refunds, and payouts.
Observability
Trace every request with searchable logs, latency views, and live alerts.
Trusted by teams globally.
"Sobopay gave us one payment layer we could trust across every market. We lifted approval rates, removed days of payout operations."
COO · Northbeam Commerce
"The developer experience is unmatched. We integrated the entire payout system in less than a week without massive infrastructure changes."
Lead Engineer · Cartwave
"Consolidating our multi-market settlement into a single programmable ledger has saved us incredible time and improved cash flow visibility."
VP of Finance · Velox
Build the payment layer your growth deserves.
Join ambitious commerce teams running reliable global payments with less complexity and more control.
Building the financial rails for global commerce.
We believe ambitious businesses should be able to move money across markets with the clarity, speed, and confidence they expect from software.
We work where you work.
Our distributed team operates across 4 major hubs and 18 regional offices to provide true 24/7 localized support.
San Francisco
HQ & Engineering Hub
London
EMEA Operations
Singapore
APAC Risk & Treasury
São Paulo
LATAM Acquiring
Deep infrastructure, built with a human point of view.
Our principles shape the product, the operating model, and the team trusted to run critical financial infrastructure.
Clarity over complexity
We turn fragmented payment states into systems that teams can understand and control.
Principle 01Trust is a product
Reliability, security, transparent communication, and operational readiness are core features.
Principle 02Global, locally fluent
We build one platform while respecting the rails, regulations, and habits of each market.
Principle 03Amara Okafor — CEO
Former payment network operator; focused on resilient global market access.
Jonas Meyer — CTO
Distributed systems builder who led ledger and risk platforms at global scale.
Priya Shah — COO
Payments operations and compliance leader across four continents.
Sobopay began with a broken reconciliation file.
Our founders saw modern commerce teams forced to stitch together processors, banks, risk tools, and spreadsheets. We built one system where every movement shares context.
- One ledger across the lifecycle
- Operational tools designed with users
- Infrastructure that scales without fragmentation
AuthorizationUS → GB$42,860Approved
Split payout3 recipients$18,240Scheduled
SettlementEUR balance€96,410Complete
Do consequential work with unusually kind people.
We are a remote-first team of engineers, operators, designers, and compliance experts who care about craft and calm execution.
- Remote across 18 team locations
- Annual company gathering and learning budget
- High ownership, low-ego collaboration
AuthorizationUS → GB$42,860Approved
Split payout3 recipients$18,240Scheduled
SettlementEUR balance€96,410Complete
The next chapter of programmable payments.
Read company updates, infrastructure research, and perspectives from the teams building Sobopay.
- Series B expands local acquiring coverage — Sep 2026
- Sobopay opens Singapore operations hub — Jun 2026
- Engineering the five-nines ledger — Mar 2026
AuthorizationUS → GB$42,860Approved
Split payout3 recipients$18,240Scheduled
SettlementEUR balance€96,410Complete
Built deliberately. Expanded responsibly.
Every chapter strengthened the same mission: give modern businesses a clear and reliable financial operating layer.
lift in successful payment completion
“Sobopay pairs rare technical depth with an operating culture built around trust. They show up as a long-term infrastructure partner, not a vendor.”
Daniel Kim
Board Advisor and former CFO • MONO
Help build the infrastructure commerce deserves.
Join the team, start a partnership, or speak with us about the financial systems your business is building next.
From first request to production in days.
Predictable APIs, typed SDKs, realistic sandboxes, and event tooling give your team the shortest path from prototype to reliable global payments.
const payment = await sobopay.payments.create({
amount: 42800, currency: "USD",
capture_method: "automatic",
split: [{ account: "acct_market", share: 8200 }],
metadata: { order_id: "ORD-28491" }
});
// 201 Created • 186ms
payment.status // "authorized"Standard REST API Endpoints
Structured, predictable responses with full idempotency support.
| Method | Endpoint | Description | Status |
|---|---|---|---|
| POST | /v1/payments/intents | Initiate single or multi-vendor charge transaction | 201 Created |
| GET | /v1/ledger/balances/:account_id | Retrieve real-time available and pending escrow balance | 200 OK |
| POST | /v1/transfers/payout | Instant cross-border bank settlement routing | 202 Accepted |
| DELETE | /v1/webhooks/subscriptions/:id | Revoke event listener webhook listener | 204 No Content |
A clear workflow from API key to go-live.
Build against the same resource model you will use in production, with tools for every handoff between engineering, risk, finance, and operations.
const payment = await sobopay.payments.create({
amount: 42800, currency: "USD",
capture_method: "automatic",
split: [{ account: "acct_market", share: 8200 }],
metadata: { order_id: "ORD-28491" }
});
// 201 Created • 186ms
payment.status // "authorized"Create a sandbox workspace
Issue scoped keys, invite teammates, and select your test regions.
Build the payment flow
Use an SDK or direct API calls with typed examples and copyable requests.
Verify events and failure paths
Inspect signatures, retry delivery, and exercise deterministic scenarios.
Complete production readiness
Validate controls, observability, runbooks, and throughput with our team.
Native SDKs for every stack.
Integrate quickly with our officially supported, strongly-typed libraries.
Realtime Webhook Delivery
Get millisecond notifications for every transaction, refund, dispute, and KYC milestone. Signed with SHA-256 HMAC.
✓ Automatic Retries ✓ 99.999% SLA ✓ Signature Verification
{
"event":"payment_intent.succeeded",
"created_at":1727954000,
"data":{
"id":"pi_99182746",
"amount_received":245000,
"currency":"usd",
"status":"settled"
}
}Make your first production-grade request today.
Create a workspace, copy a quickstart, and explore the complete payment lifecycle in a realistic sandbox.