Every payment, powered by Stripe

Payments that
simply work.

Pagayo doesn't write payment code — Pagayo writes commerce code, and lets Stripe do the part that absolutely must be right. Every card, every wallet, every subscription, every payout. From the customer's tap to your bank account, Stripe handles the entire path.

Visit stripe.com ↗

15+

Payment methods, one toggle

SAQ-A

Lowest PCI burden, by design

Card numbers on Pagayo servers

40+

Countries with live tax rates

Payment methods

Whatever your customer wants to pay with.

Cards, wallets, bank redirects, buy-now-pay-later, local methods — every payment method Stripe supports is one toggle away in Pagayo. New methods land in your shop the same day Stripe ships them.

Cards Global

Visa, Mastercard, Amex, Discover. Every country, one integration.
iDEAL NL

The default checkout for every Dutch shopper.
Bancontact BE

One-click bank payments for Belgian customers.
SEPA EU

Direct debits across the eurozone, fully mandated.
Apple Pay Wallet

One-touch checkout on iPhone and Mac, biometric auth.
Google Pay Wallet

Saved cards in any Android or Chrome environment.
Klarna BNPL

Pay later, in 3, or in 30 days — Stripe handles the risk.
Link Express

Saved Stripe checkout across millions of merchants.
PayPal Wallet

Familiar checkout for international shoppers.
SOFORT EU

Bank-redirect payments for Germany, Austria, Switzerland.
EPS · P24 EU

Local bank methods for Austria and Poland.
Multibanco PT

Reference-based payments for Portuguese shoppers.

How it fits together

Six layers, end to end.

Checkout, subscriptions, webhooks, payouts, tax, security — every part of the money flow runs on Stripe primitives. Here is what each one does for you.

01 Payment Element · Checkout

Checkout that converts

The right payment method, in the right currency, every time.

Pagayo uses Stripe's Payment Element — the same checkout engine that powers Shopify, Substack, and Amazon. It detects the customer's country and shows the methods they actually use: iDEAL in Amsterdam, Bancontact in Brussels, Klarna in Berlin, Apple Pay everywhere a Mac or iPhone is involved. One integration, every market, automatic localisation, and a checkout that gets better every time Stripe ships an update.

Auto-detects country, language, and best methods
Apple Pay, Google Pay, Link with one toggle
3D Secure handled invisibly when required

02 Billing · Invoicing

Subscriptions, done right

Recurring revenue without the spreadsheets.

Memberships, family plans, sponsored access, monthly boxes — every recurring product in Pagayo runs on Stripe Billing. Stripe handles renewals, retries on failed cards, dunning emails, proration when someone upgrades, and refunds when they don't. The Pagayo admin shows the result; Stripe does the work behind the scenes. Cancellations are one click and immediate.

Automatic retries with smart dunning
Proration on upgrades, downgrades, plan changes
Mandates stored — no card re-entry on renewal

03 Webhooks · Workers

Webhooks, durably handled

Every event, signed, verified, and processed exactly once.

Stripe fires a webhook for everything that matters — payment succeeded, charge refunded, subscription updated, dispute opened, invoice paid. Pagayo receives them on a Cloudflare Worker, verifies the signature, makes the change idempotent, and either updates the database immediately or hands the work off to a Queue. Retries are safe. Replays are safe. Nothing happens twice.

Signature verification on every event
Idempotent handlers, safe to retry
Queues + Workflows for heavy follow-up work

04 Connect · Payouts

Money in your bank account

From customer card to your IBAN, on schedule.

Stripe takes the customer's payment, settles it, deducts the fee, and deposits the rest in your bank account on the schedule you set. Daily, weekly, monthly — your choice. You see every payout, every fee, every refund, broken down by order in both the Stripe dashboard and Pagayo's own reporting. No reconciliation spreadsheets. No "what was that deposit on the 14th?".

Daily, weekly, or monthly payout cadence
Per-order fee breakdown inside Pagayo
Multi-currency settlement where supported

05 Stripe Tax

Tax, calculated correctly

The right rate, the right country, the right invoice.

VAT rules are not getting simpler. Stripe Tax watches the customer's location, the product type, and the latest rates in every country, and applies the correct tax at checkout — reverse-charge for B2B, OSS for cross-border EU, the local rate at home. Pagayo passes the totals straight into the invoice and the books. You handle the rest with your accountant; the numbers are already right.

Live VAT rates in 40+ countries
Reverse-charge and OSS handled automatically
Invoice totals always match the payment

06 PCI · 3DS · Radar

Security you never see

PCI compliance, fraud protection, all of it — included.

Card numbers never touch a Pagayo server. They go directly from the customer's browser to Stripe, tokenised, vaulted, and returned as a reference Pagayo can charge later. That puts Pagayo at the lowest PCI tier (SAQ-A) by design. On top of that, Stripe Radar scores every transaction for fraud risk, 3D Secure is triggered when needed, and chargebacks come with the evidence template already filled in.

Card data never enters the Pagayo platform
Radar fraud scoring on every transaction
Strong Customer Authentication built in

Why this matters for you

The part you never want to get wrong.

Payments are the one part of running a shop that absolutely must be right, every single time. A failed checkout is a lost sale. A leaked card number is a closed business. A missed tax rate is an angry letter from the tax office.

Pagayo doesn't try to be clever about any of that. We stand on the same payment engine that Shopify, Amazon, and Substack use — the most battle-tested in the world — and put a clean interface in front of it. You ship products; Stripe ships money; we make sure the two add up.

Start selling today.
Grow with the platform.

Free to start. All features included. Yours to leave whenever you want — most never do.

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Have an idea, a question, or a feature you wish existed? Get in touch — we listen.

Payments that simply work.