Payment Processing That Doesn't Tax Your Runway
Network Offset Pricing eliminates processing fees for startups. Pay $0 per transaction — not 2.9%. Fast approval with 3 months of history, modern API, next-day funding, and pricing that stays flat as you scale.
Why Startups Overpay for Payments
Every percentage point you pay in processing fees is money not going to product, hiring, or growth.
2.9% Fees Are Eating Your Runway
Stripe and Square take 2.9% + $0.30 on every transaction. At $50k/month, that's $17,760/year — enough for a senior engineer's equity refresh or 3 months of marketing budget. As you scale, the bleed accelerates.
Traditional Processors Won't Approve You
Legacy merchant account providers demand 12-24 months of processing history, audited financials, and personal guarantees. Early-stage companies get rejected or stuck in underwriting limbo for weeks.
Payment Infrastructure Slows Your Roadmap
Every hour your engineers spend on payment integration, webhook handling, and compliance paperwork is an hour not spent on product. Payment should accelerate your roadmap, not block it.
Rate Hikes at Scale Punish Growth
Some processors offer startup discounts that evaporate once you hit volume thresholds. You build your entire stack around their API, then get hit with rate increases right when cash flow matters most.
How PaySec Solves It
$0 processing fees. Fast approval. Developer-first API. Built for companies that move fast.
Network Offset Pricing — $0 Processing
PaySec absorbs all interchange and network costs. You pay $0 per transaction — not 2.9%, not 2.6%, not interchange-plus. Zero. The savings compound as you scale: $10k/month saves $3,840/year, $100k/month saves $35,160/year.
24-Hour Approval With 3-Month History
Submit 3 months of processing statements from any US processor. PaySec approves most startup applications within 24 hours. No 12-month history requirement, no personal guarantees on qualified accounts, no underwriting delays.
Developer-First Integration
RESTful API with comprehensive documentation, SDKs for Node.js, Python, Ruby, and Go. Pre-built plugins for Shopify, WooCommerce, and Stripe migration tools. Most startups go live in 1-3 days.
Real-Time Analytics & Reporting
Dashboard with real-time transaction data, acceptance rates, card type distribution, and revenue analytics. Export to your BI tools via API or connect directly to your data warehouse.
Savings based on comparison to Stripe 2.9% + $0.30 at stated monthly volume (avg. ticket $50). Based on PaySec merchant data, Q1 2026. Individual results may vary.
Technical Features
Built for engineering teams that ship fast. No payment infrastructure should slow your roadmap.
RESTful API
Modern JSON API with comprehensive endpoint coverage for charges, refunds, subscriptions, and payouts.
Webhooks
Real-time event notifications for transaction status, disputes, and funding events. Retry logic built in.
Token Migration
Migrate tokenized cards from Stripe, Braintree, or Authorize.net without requiring customers to re-enter payment info.
Hosted Checkout
PCI-compliant hosted payment page when you don't want to handle raw card data. Customizable branding.
Subscription Billing
Recurring billing engine with proration, dunning, trial periods, and plan upgrades — all via API.
Multi-Currency
Accept payments in 135+ currencies with automatic settlement in USD. Transparent FX rates, no hidden markups.
“We migrated from Stripe in under 48 hours using PaySec's token migration tool. Our customers didn't notice a thing — but our burn rate dropped by $2,100/month immediately. At Series A stage, that's meaningful runway extension.”
PaySec vs. Other Startup Payment Processors
| Feature | PaySec | Stripe | Square | Braintree |
|---|---|---|---|---|
| Processing fees | $0 | 2.9% + $0.30 | 2.6% + $0.10 | 2.59% + $0.49 |
| Approval time (startups) | 24-48hr (3mo history) | Instant (no history) | Instant | 3-5 days |
| Funding speed | Next-day | 2 days | Next-day ($) | 2-3 days |
| Dedicated account manager | Enterprise only | High volume | ||
| Token migration support | N/A | N/A | ||
| No rate changes at scale | Negotiable | |||
| Subscription billing | Limited | |||
| Marketplace/split payments |
Startup Processing FAQ
Your Runway Deserves Better Than 2.9%
Apply to PaySec's Startup Program. $0 processing fees, 24-hour approval, and pricing that never changes as you grow. No contracts, no surprises.
Apply NowTrusted by merchants across 18+ industries nationwide