paas.build Open my account
No company? Rejected by Paddle or Stripe? You're covered.

Take payments today.
No company needed.

A real merchant account for individuals and sole traders in the UK, EU & US — live the same day, capped at £1,500 until you're verified, unlimited after. 3.9% flat, no fixed fee: a $9 sale costs 35¢ here, 56¢ on Stripe, 95¢ on Paddle. Tax stays yours — we're honest about that.

Free sandbox in 2 minutes · live today · £1,500 cap until verified — the cap is what makes same-day legal
agent — zsh
Free check · no signup

Will Stripe reject your AI-built app?

Paste your GitHub repo or your app's live URL. In seconds, see if you'll hit the no-company wall, need Connect to pay out your users, or risk an account hold - and exactly how to go live the same day instead.

Public GitHub repo or your app's live URL. Private repo? npx @paasbuild/mcp check runs locally - nothing leaves your machine.
How it works

Your agent already knows how.

Install the skill

npx @paasbuild/mcp install — or point any MCP client at our docs.

Say what you want

“Add subscriptions.” “Let my users take payments.” “Replace Stripe.”

It ships

Our docs are written for agents first — one API call to the first payment. Your agent does the rest.

Works with Claude Code, Cursor, Codex, Gemini CLI — anything that reads docs. Point your agent here →

OR LET YOUR CODING AGENT DO THE WHOLE THING — copy, paste, done:
claude mcp add paas-build -- npx -y @paasbuild/mcp # then tell it: "open me a merchant account on paas.build and create a checkout for my app"
▶ watch the real recorded session — an agent did exactly this
Works with your stack

Wherever your agent builds, payments drop in.

Two ways builders use paas.build
SELL YOUR APP

Charge for your app

Free, Pro, Max — plans, subscription checkout, renewals and saved cards. Plus one-off credit top-ups for AI usage. Buyers never leave your app, and the receipt carries your name.

Ship your pricing page →

RUN A PLATFORM

Run payments for your users

Marketplaces, communities, booking apps: onboard your users in-app, split every payment in real time, pay everyone out on schedule. Stripe hands you a parts list. Paddle can’t do it at all. This is our home turf.

Your users get paid too →

Subscriptions

Free. Pro. Max.
Live by lunch.

Every app needs a pricing page. Tell your agent your tiers — it wires the plans, the subscription checkout and the renewals. You argue about the prices.

Card and Direct Debit on autopilot. Saved cards, one-click. Selling AI credits? Mix one-off top-up packs with plans — same checkout.

How subscriptions work

your-app.com/pricing
Free
$0/mo
  • 50 credits
  • Community
Start
POPULAR
Pro
$12/mo
  • 2,000 credits
  • Priority runs
Subscribe
Max
$29/mo
  • Unlimited
  • API access
Subscribe
The part your customers see

A checkout that looks like you, and converts.

It's your checkout, not ours — your brand, your colours, your button. Try it: change the style on the right and watch it update live. Cards, Apple Pay, Google Pay, bank transfer, saved cards. PCI-DSS Level 1, SSL, funds safeguarded on FCA-authorised rails.

Style it live
The preview is a mock of our styling; the live demo is the real UniPaaS checkout — pay it with test card 4761 3441 3614 1390.
🛡️ Secure checkout
Kovach Ceramics
£12.00
Ref: order #1042
Or pay with
💳
Card
🏦
Bank
💳1234 5678 9012 3456MM/YYCVC
Card holder name
Powered by UniPaaS · FCA No. 929994
Live nowtake payments before ID upload
<12 minto a fully verified account
1 promptyour agent wires the whole integration
Worldwideyour buyers pay from anywhere
Proof, on camera

An AI agent replaced Stripe in 90 minutes.

Triibe — a community platform for yoga and pilates studios — pointed an agent at our docs. It wired onboarding, checkout and payouts, fully Triibe-branded, in one session.

3.9%

One rate. No monthly fee. No “contact sales.”
And the cheaper your product, the more you save vs the 5% + 50¢ crowd.

See pricing

For platform builders

Payments become revenue.

On platform volume, you earn a share of every transaction your users process. Payments flip from a cost line to an income line.

Explore platforms

Open your account

No forms. Tell us about your business.

Type it like you’d say it — or paste your website. Our AI does the paperwork; you just confirm.

or in your terminal: go live  ·  prefer a classic form? it’s here

Before you ask

The questions every builder asks first

How fast am I actually live?

The same session. Progressive KYB gives you a real merchant account (sandbox + production) immediately, capped around £1,500 until background verification completes. No company needed - individuals and sole traders included.

What does it cost?

3.9% flat per transaction. No monthly fee, no setup fee, no fixed per-transaction fee - which is why a $9 subscription costs $0.35 here and $0.95 at a typical Merchant of Record.

Which countries are supported?

Builders based in the UK, EU or US. Your customers can pay from anywhere in the world.

How do payouts work?

Funds settle to your bank account on schedule from your own merchant account - you are the merchant, so there is no reseller holding your money. Funds are safeguarded under FCA rules until paid out.

What about refunds and chargebacks?

Full and partial refunds from the portal or API. Chargebacks are managed on UniPaaS rails with evidence submission - and because you own the account, disputes are yours to win, not a reseller's to settle.

Who handles VAT and taxes?

You do - you are the seller of record (we provide the transaction data and invoicing hooks). If you want tax handled for you globally, an MoR like Paddle is the honest pick - see our MoR vs PayFac guide.

Compare all 8 payment solutions → · MoR vs PayFac → · vs Paddle →