What is Suby?
Suby provides the infrastructure that lets you sell globally without managing the operational complexity of cross-border payments, tax filings, subscription logic, or settlement flows. Cards. Bank accounts. Apple Pay. Google Pay. Klarna. Stablecoins. Multiple payout options. All routed through a single, fast orchestration layer.Suby operates in two modes, Merchant of Record and PayFac. Which one applies to your account is decided by Suby when your business is accepted onboarding, based on your business type, volume, and risk profile, not something you self-select. See Review Process for how that works.
Merchant of Record
Suby becomes the legal seller. We calculate, collect, and remit VAT, GST, and sales taxes across 190+ countries on your behalf.
PayFac
You remain the seller of record. Suby processes the payment at a lower fee, and you handle your own tax compliance and dispute management.
Every Major Payment Method
Cards, bank accounts, Apple Pay, Google Pay, Klarna, and stablecoins across multiple chains, all available out of the box, in either mode.
Full Billing Infrastructure
Subscriptions, dunning, discount codes, customer notifications, and a unified revenue dashboard out of the box.
Problems We Solve
Tax compliance is slowing you down
Tax compliance is slowing you down
Selling globally means dealing with VAT, GST, and sales taxes across dozens of jurisdictions with different rates, thresholds, and filing requirements. Most founders either ignore it (risky), hire expensive accountants, or limit where they sell.On MoR mode, Suby becomes the legal seller. We calculate, collect, file, and remit taxes worldwide. You never touch a tax form. On PayFac mode, tax handling remains your own responsibility, in exchange for a lower transaction fee.
Payments alone are not enough
Payments alone are not enough
Running an internet business requires more than processing payments. You need subscription management, discount codes, customer notifications, analytics, and integrations. Using separate tools for each creates complexity and ongoing maintenance overhead.Suby brings everything together: subscription lifecycle, discount codes, automated notifications, Discord and Telegram integrations, and a unified revenue dashboard in one place, regardless of which mode your account runs on.
You are locked into one payment method
You are locked into one payment method
Most payment platforms only support cards, with slow fiat payouts. Stablecoin-native businesses have nowhere to go, and businesses that want optionality have to stitch together multiple providers.Suby accepts cards, bank payments, Apple Pay, Google Pay, Klarna, and stablecoins natively, all orchestrated through a single integration. On the payout side: bank accounts or stablecoins. No forced currency conversion, no delays, no extra providers to manage.
Core Features
One-time Payments
Sell digital products, services, or access with a fast checkout via API or PayLinks.
Subscriptions
Recurring billing with automatic renewals, trials, dunning, and flexible plan management.
Global Tax Compliance
On MoR mode, VAT, GST, and sales tax across 190+ countries are calculated, collected, and remitted automatically. On PayFac mode, this is handled by you.
Discord Integration
Automatically grant or revoke Discord roles when users subscribe, cancel, or renew.
Telegram Integration
Connect payments to Telegram bots and unlock premium groups or channels instantly.
Flexible Payouts
Bank accounts or stablecoins across multiple chains.
Quick Start
1
Create your account
Sign up for Suby. Takes under 1 minute.
2
Get reviewed and assigned a mode
Suby reviews your business and assigns your account to MoR or PayFac mode, see Review Process.
3
Create your first product
Set up a one-time product or a subscription plan from your dashboard. Choose your price, and configure access delivery.
Integration Options
PayLinks
Create a payment link from your dashboard and share it anywhere. No code needed. Start in minutes.
API
Full programmatic control over products, customers, subscriptions, and payouts.
Discord
Gate access to roles, channels, and servers automatically when a payment goes through.
Telegram
Unlock premium groups and channels instantly the moment a subscriber pays.
Suby vs. the Alternatives
Merchant of Record / PayFac
Pay-in Methods
*Stripe supports USDC stablecoin pay-in via Bridge, limited rollout.
Payout Methods
Developer Experience
Fees
Stripe is a payment processor, comparable to Suby’s PayFac mode. You remain responsible for tax compliance, VAT registration, and global filings, unless you opt into Suby’s MoR mode instead.
Lemon Squeezy is a MoR but cards-only for pay-in, no native stablecoin support, and no API-first checkout for custom integrations. Acquired by Stripe in 2024, roadmap unclear.
Whop is a marketplace platform, not pure infrastructure. Your product lives inside Whop’s ecosystem. Suby is infrastructure you embed directly into your own product with full API access and no platform dependency.
Transparent Pricing
4% + $0.40 per transaction on MoR mode, or 2.9% + $0.30 on PayFac mode. Which mode applies to your account is assigned by Suby when your business is accepted. You only pay when you generate revenue. No monthly fees. No setup costs. Additional payout fees, the same regardless of mode:- Bank account (USD/EUR): $0.50 per payout
- Crypto wallet (USDC/EURC): 0.5% + $1 per payout
FAQ
How fast can I start accepting payments?
How fast can I start accepting payments?
Most users get reviewed and start accepting payments within a short time of applying. Create an account, get your business reviewed, generate a PayLink or integrate the API, and start selling.
What payment methods do you support?
What payment methods do you support?
Customers can pay with cards, bank transfers, Apple Pay, Google Pay, Klarna, or stablecoins: USDC, USDT, and more across multiple chains. Cash App support is coming soon.
Am I on MoR or PayFac mode?
Am I on MoR or PayFac mode?
Suby assigns your account to MoR or PayFac mode when your business is accepted, based on your business type, sales volume, target markets, and risk profile. It isn’t something you choose at signup, our team walks you through it. See Review Process.
What makes Suby different from Stripe?
What makes Suby different from Stripe?
Stripe is a payment processor, closest to Suby’s PayFac mode: you remain responsible for tax compliance, filings, and global sales taxes. Suby can also act as your Merchant of Record, handling tax compliance, payments infrastructure, and global regulations for you, if your account is assigned to MoR mode.
What makes Suby different from Whop?
What makes Suby different from Whop?
Whop is a marketplace for selling digital products and communities. Suby is payment infrastructure, able to act as Merchant of Record or PayFac, that lets you accept payments globally across every major method and integrate directly into Discord, Telegram, or your own product via API, with no marketplace dependency.
What is a Merchant of Record?
What is a Merchant of Record?
A Merchant of Record is the legal entity responsible for a transaction. When your account is on Suby’s MoR mode, Suby becomes the seller of record. We handle tax collection and remittance, fraud liability, regulatory compliance, and chargebacks so your business does not have to. If you’re on PayFac mode instead, you remain the seller of record and keep that responsibility. Learn more about MoR or PayFac.
Ready to Start?
Create account
Free signup. Get reviewed and start selling.
Quickstart guide
Accept your first payment in minutes.
Explore the API
Endpoints, authentication and webhooks.
Join our community
Get help from the team & other builders.