SOVEREIGN PAYMENTS

Your merchant accounts, your money.

Connect Stripe, Square, PayPal, and Clover to your own accounts, with sales tax calculated automatically, installments, and one reconciled ledger. No payments paywall.

Start your 14-day trial

One money layer, your accounts

Payments run through your own merchant accounts and share one money layer with checkout, invoices, and booking.

Four connectors

Connect Stripe, Square, PayPal, and Clover to your own accounts.

Charge and refund

Take payments, issue refunds, and collect deposits.

Automatic sales tax

Stripe Tax calculates tax at checkout from the buyer address and your nexus.

Installments

Let customers pay over up to twelve months.

Encrypted secret store

Your keys live in an encrypted store, not in plain config.

One reconciled ledger

Every charge, refund, and deposit reconciles in one place.

YOUR MERCHANT ACCOUNTS

Connect the processors you already use you already use

Payments flow to your own merchant accounts, not through a middleman that holds your funds. Connect Stripe, Square, PayPal, and Clover, take payment however your customers prefer, and let payouts land straight in your bank.

  • Four connectors Stripe, Square, PayPal, and Clover, all to your own accounts.
  • Direct payouts money settles straight to your bank, not a platform wallet.
  • No payments paywall the payment features are not gated behind a surcharge.
PayoutsPayments // your bank
$4,820
this week
$0
held by us
4
processors
Stripe · ending 4242connected
Next payouttomorrow → your bank
EVERYTHING THE MONEY LAYER DOES

A complete set of money operations money operations

From a first charge to a refund months later, the money layer covers the full lifecycle in one reconciled place.

Chargetake one-time payments across your connected processors.
Refundreturn funds fully or partially when you need to.
Depositscollect a deposit up front and settle the balance later.
Card-on-filesave a card with SetupIntent for return charges.
Card validationverify a card before you rely on it.
Automatic sales taxStripe Tax computes tax at checkout from address and nexus.
Installmentslet customers pay over up to twelve months.
Book and pay in one flowreserve and charge together in a single step.
Shared checkout and invoicescheckout and invoices ride the same money layer.
One reconciled ledgerevery movement lands in a single ledger.
Encrypted secret storekeys are held in an encrypted store, not plain text.
AUTOMATIC SALES TAX

The processor computes the tax, not you not you

You never type a tax rate. With Stripe Tax, the processor calculates sales tax at checkout from the buyer address and your nexus, so the right amount is applied for the right jurisdiction every time. That keeps you accurate as rates and rules change without you tracking them.

  • From address and nexus tax is derived from where the buyer is and where you owe.
  • Calculated at checkout the correct amount is applied at the moment of sale.
  • Never a typed rate no hand-entered percentages to fall out of date.
Reconciled ledgerMoney // one layer
Booking deposit$45
Order$185
Invoice$320
Taxauto at checkout
Reconciledyes

How it works

  1. Connect your processors

    Link Stripe, Square, PayPal, or Clover to your own merchant accounts.

  2. Store keys securely

    Your API keys go into an encrypted secret store, never plain config.

  3. Take payment with tax

    Charge at checkout while Stripe Tax computes sales tax automatically.

  4. Reconcile and pay out

    Everything lands in one ledger and payouts settle to your bank.

Flexible ways to get paid

Meet customers where they are, from a full charge to a card kept on file to a year of installments.

Card-on-file

Save a card with SetupIntent and charge it again later.

Pay over twelve months

Offer installments so larger purchases are easier to say yes to.

Deposits

Take a deposit now and collect the rest on completion.

Book and pay together

Combine a reservation and its payment in one flow.

SECURE BY DEFAULT

Keys encrypted, cards on file done right done right

Your processor keys live in an encrypted secret store, not in a config file someone can read. Card-on-file uses SetupIntent so you can charge returning customers without handling raw card data yourself, and card validation confirms a card before you count on it.

  • Encrypted secret store API keys are encrypted at rest, not sitting in plain text.
  • SetupIntent card-on-file save cards the right way for return charges.
  • Card validation confirm a card is good before you depend on it.
Your vaultLocal-first
At restAES-256-GCM
IdentityDID key
UnlockUSB / FIDO2 / TPM
Exportone file
Lock-innone
Own it, never rent it

The real difference is who it belongs to.

Renting your business

the typical builder

A monthly fee forever. Stop paying and your site, bookings, and store go dark.
Bookings, a CRM, and payments are each an upsell, gated one feature at a time.
They hold your data and your customer list on their servers.
Payments route through their balance and their cut before you see a dollar.
Export is an afterthought. Lock-in is the whole business model.

Owning it with the sovereign way

how this works

A one-time owned license. It keeps working because it is yours to keep.
Website, CRM, booking, and payments are all included, with no per-feature ransom.
Your data is local-first, encrypted, and leaves in a single clean export.
Payouts settle straight to your bank on your own processor. No middle balance.
No lock-in. Self-host the whole thing or move it anywhere, anytime.
ONE RECONCILED LEDGER

Every dollar in one place one place

Checkout and invoices share a single money layer, so charges, refunds, deposits, and installment payments all reconcile into one ledger. Offer installments over up to twelve months, and every payment along the way is tracked against the same record.

  • Installments spread a purchase over as many as twelve months.
  • Shared money layer checkout and invoices use the same engine.
  • Reconciled one ledger reflects every charge, refund, and deposit.
Reconciled ledgerMoney // one layer
Booking deposit$45
Order$185
Invoice$320
Taxauto at checkout
Reconciledyes
4
processor connectors to your own accounts
Auto
sales tax computed at checkout
12 mo
installment plans available
$0
payments paywall

Own the rails, keep the margin

Payments are where platforms quietly take their cut, either by routing your money through their account or by gating basic features behind a surcharge. This does neither. You connect your own Stripe, Square, PayPal, or Clover accounts, and payouts settle straight to your bank. Sales tax is computed by the processor from the buyer address and your nexus, so you stay compliant without typing a rate. Your keys are encrypted, your charges and refunds reconcile into one ledger, and there is no payments paywall standing between you and your customers' money.

Payments questions

Which payment processors are supported?
Stripe, Square, PayPal, and Clover, each connected to your own merchant accounts.
Does money pass through a platform account?
No. Payouts settle straight to your bank from your own merchant accounts.
How is sales tax calculated?
Stripe Tax computes it at checkout from the buyer address and your nexus, so you never type a rate.
Can customers pay over time?
Yes. Installments let customers pay over up to twelve months.
Can I save a card for later?
Yes. Card-on-file uses SetupIntent, and card validation confirms a card before you rely on it.
Where are my API keys stored?
In an encrypted secret store, not in plain configuration files.
Is there a fee to unlock payments?
No. There is no payments paywall; the money features are included.
Meredosia

Stop renting your business back from a landlord.

Build it, run it, get paid, and keep the relationship, all on tools that are finally, genuinely yours.

Start your 14-day trial See the whole loop