Your Startup Shouldn't Pay 2.9% to Accept Payments
PaySec gives US-based startups and founders $0 processing fees via Network Offset Pricing. Approved in 24 hours with just 3 months of history. No contracts, next-day funding, and a modern API your engineers will love.
Payment Problems That Slow Startups Down
Every dollar paid in processing fees is a dollar not invested in growth. Every day of delayed funding is a missed opportunity.
Processing Fees Draining Your Runway
You're paying Stripe 2.9% + $0.30 on every transaction. At $50k/month, that's $17,760/year going to your payment processor instead of product development, marketing, or extending your runway before the next raise.
Rates That Punish Your Growth
Some processors offer startup credits that expire. Others increase rates once you cross volume thresholds. You built your entire integration around their API — now you're locked in with rising costs at the worst possible time.
Slow Funding Strangling Cash Flow
Your AWS bill is due today. Your customers paid yesterday. But your processor holds funds for 2-5 business days. For startups operating on thin margins, every day of delayed funding is a cash flow crisis waiting to happen.
Traditional Processors Reject Early-Stage Companies
Legacy merchant account providers want 12+ months of processing history, audited financials, and personal guarantees. If you're early-stage, you're either rejected outright or stuck in underwriting limbo for weeks.
Payment Processing Built for Founders
$0 fees. Fast approval. Developer-first. No lock-in.
Network Offset Pricing — $0 Fees
Pay $0 in processing fees on every transaction. No interchange passthrough, no percentage markups, no hidden costs. PaySec absorbs all network costs. You keep 100% of every sale.
Developer-First API & Integrations
RESTful API with SDKs for Node.js, Python, Ruby, and Go. Pre-built plugins for Shopify, WooCommerce, and Stripe migration tools. Webhooks, hosted checkout, and subscription billing included.
PCI Compliance Included
PCI DSS Level 1 compliance handled by PaySec. No SAQ paperwork, no security questionnaires consuming engineering time. Tokenized card storage and 256-bit encryption on every transaction.
Next-Day Funding
Transactions settle to your business account the next business day. No rolling reserves for qualified startup accounts. Instant payout available when you need same-day access.
Based on PaySec merchant data, Q1 2026. Individual results may vary.
“We switched from Stripe after our Series A. PaySec approved us in one day with our 3-month Stripe statements, migrated all our subscription tokens in 48 hours, and now we save $2,400/month on processing. That's an extra engineer's equity budget every year.”
PaySec vs. Other Payment Processors for Startups
| Feature | PaySec | Stripe | Square | Traditional |
|---|---|---|---|---|
| Processing fees | $0 | 2.9% + $0.30 | 2.6% + $0.10 | 2.2-3.5% |
| Startup approval speed | 24 hours | Instant | Instant | 1-4 weeks |
| History required | 3 months | None | None | 12+ months |
| Funding speed | Next-day | 2 days | Next-day ($) | 3-5 days |
| Dedicated support | Enterprise only | Varies | ||
| No contracts / no ETF | ||||
| Subscription billing | Limited | |||
| Developer API | Limited |
Startup Payment Processing FAQ
Ready to Stop Subsidizing Stripe?
Apply to PaySec's Startup Program today. US-based founders with 3 months of processing history get $0 fees, next-day funding, and zero contracts. Approval takes 24 hours.
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