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Strtups

The payments API that costs you less.

Same cards, same security, same afternoon integration. 0.3% and 5¢ less on every transaction than Stripe — and the rate drops again as you grow.

PCI DSS Level 1 No monthly fee, no minimum MCP server for AI agents

Estimate your savings

You would keep

$66,000 a year vs. Stripe

That's $5,500 back every month.

$1,000,000

Card rates only, compared against Stripe's published 2.9% + $0.30. Assumes a $50 average transaction and no international, dispute, or billing-software add-ons on either side. Your tier is set by last month's volume and applies automatically.

Why Strtups

Lower rates, with nothing given up to get there.

We built the payments API we wanted to use: one published rate card, an integration you finish in an afternoon, and tooling your AI agent already knows how to drive.

The rate you see is the rate you pay. Published tiers, applied automatically by volume. No sales call, no negotiated pricing that someone else got a better version of.

An integration you finish today. A typed SDK, a REST API that behaves the way you already expect it to, and drop-in card fields so no card number ever reaches your servers.

PCI DSS Level 1, from day one. Tokenised cards, 3-D Secure, signed webhooks, and encryption at rest. The compliance burden stays on our side of the line.

Your AI agent can build it. An official MCP server plus agent-readable docs, so Claude or Cursor can wire up checkout and test it against sandbox without you pasting anything into a chat window.

Subscriptions and invoices cost nothing extra. Recurring billing is not a second product with a second percentage attached. It is part of the API, at $0.

Payouts on your schedule. Standard, next-day, or instant — picked per payout rather than locked to your account, so cash flow is a decision instead of a setting you made once.

Developer experience

An API you can hold in your head.

Charges, customers, subscriptions, refunds, payouts, webhooks. Six resources, predictable verbs, and errors that tell you what to fix instead of what went wrong.

import { Strtups } from "@strtups/node";

const strtups = new Strtups(process.env.STRTUPS_API_KEY);

// One call. The rate you were quoted is the rate you pay.
const charge = await strtups.charges.create({
  amount: 4900,               // $49.00, in cents
  currency: "usd",
  source: token,             // from the browser SDK
  description: "Pro plan — monthly"
});

charge.status;               // "succeeded"
charge.fee;                  // { total: 152, rate: "2.6% + $0.25" }

Built for AI

Your agent can wire this up for you.

Payments is the part of the stack coding agents get wrong most often, because the docs are long and the failure modes cost real money. So we shipped the tools first.

An official MCP server

One line to install, in Claude Code, Cursor, or any MCP client. Your agent gets typed tools instead of a scraped documentation page.

$ claude mcp add strtups -- npx -y @strtups/mcp
  • create_charge, refund_charge — run and reverse a payment against sandbox while it builds.
  • get_customer, search_transactions — answer "why was this customer charged twice" without a dashboard.
  • scaffold_checkout — generate the client and server halves of a checkout for your framework.
  • explain_fee — break down what a specific charge cost and why, line by line.

Legible to a model, not just to a person

The MCP server is the fast path. Everything underneath it is built so an agent working from raw docs still gets it right.

  • llms.txt and llms-full.txt — the whole API surface as plain text an agent can read in one pass.
  • Copy for LLM — every code sample on our docs ships a paste-ready brief with the rates and endpoints attached, not just the syntax.
  • Errors that name the fix — every failure returns a stable code, the field at fault, and the documentation link.
  • Sandbox keys with no signup gate — an agent can start testing before you have finished reading this page.

Security

Card data never touches your servers.

Cheaper processing is worth nothing if it moves risk onto you. It doesn't: the card leaves the browser encrypted and comes back to you as a token.

PCI DSS Level 1

The highest certification a processor can hold, audited annually. Using our drop-in fields keeps your own scope at SAQ A.

Tokenised, end to end

Card numbers are encrypted in the browser and exchanged for a token. Your database only ever stores the token.

Fraud checks and 3-D Secure

Risk scoring on every charge, with 3-D Secure step-up available per transaction so liability shifts when you need it to.

Signed webhooks, idempotent writes

Every event is signed and every write takes an idempotency key, so a retry or a replay can never charge someone twice.

Pricing

One rate card. No sales call.

Your tier is set by last month's processed volume and applies on its own. There is nothing to negotiate, nothing to renew, and no tier you can only reach by asking.

Starting out

Under $100k processed per month

2.6% + $0.25 per transaction

0.30% + 5¢ under Stripe
  • Every API, SDK, and MCP tool included
  • Subscriptions and invoices at $0
  • Sandbox with no signup gate

Growing

$100k – $5M processed per month

2.55% + $0.20 per transaction

0.35% + 10¢ under Stripe
  • Applied automatically — no request, no contract
  • Next-day and instant payouts, per payout
  • Multi-account and platform payouts

Scale

$5M+ processed per month

2.5% + $0.15 per transaction

0.40% + 15¢ under Stripe
  • Dedicated support with a named engineer
  • Settlement and reconciliation exports
  • Custom payout timing and reserve terms

Included in every tier, at no extra percentage

  • Subscriptions — recurring billing, not a second product
  • Invoices — hosted, emailed, and reconciled
  • Refunds and disputes — handled in the same API
  • MCP server and SDKs — Node, Python, Ruby, Go
  • Drop-in card fields — web and mobile
  • No monthly fee, no minimum, no contract

Get in early

Stop overpaying.

Tell us where to reach you and we'll send you keys the day Strtups Payments opens — earliest signups first.

No card required. We'll only email you about Strtups Payments.