As a sole trader you can accept online card payments without incorporating. The blocker is rarely eligibility — it's the multi-day merchant review. With progressive KYB you go live the same day with a real capped account and verify in the background.
Card schemes and payment facilitators onboard individuals as sub-merchants. You don't need a limited company to accept payments — you need identity and basic business details. paas.build creates a real merchant account for individuals in the same session, capped until progressive KYB completes.
Your name and email, the business or product name and its website (we can derive it), your country, and — for verification, in the background — the identity details required by anti-money-laundering rules. No passwords or card numbers are collected on our sign-in pages; portal access uses a one-time email code.
One flat rate: 3.9% per transaction, deducted from settled funds. Payouts settle to your bank account. The underlying service runs on UniPaaS (FCA-authorised, No. 929994), with funds safeguarded as required for a regulated payment institution — see Trust & security.
Say "add payments" to your AI agent, or use the go-live prompt on the homepage. You'll receive scoped sandbox and production keys by email and can take a real £1 test payment right away. Drop checkout into a React app in three lines with @paasbuild/react.
On paas.build the rate is the same flat 3.9% whether you are an individual or a company.
The same day. You get a real capped account immediately; verification runs in the background and the cap lifts as it clears.
Yes. Many builders start as a sole trader to validate demand and incorporate later; you keep selling throughout.
paas.build currently supports builders based in the UK, EU and US.