I've been working on online payment rails for businesses, developers and agents called Tuppence (https://tuppence.ai).

Accept online card payments from just 0.79% (UK) and earn 0.89% on all card spend [1], or get paid out to your bank.

I'm building tuppence to be available in the US, and 20 EU countries.

I'm getting a Point of Sale (POS) manufactured in the UK [2] for those who want to accept payments in person with card readers.

My goal is to help people sell their goods and make a living without paying over the odds for the privilege.

I charge a competitive fee for payment processing, give money back on card spend (with no cashback caps/limits) and do not charge saas fees or lock people into contracts.

Tuppences currently allows people to sell online with a store builder, expense management, payment links, direct debits & bookings - essentially Tuppence is a 'business' layer on top of what you get from the likes of Stripe, Adyen and Checkout.com. There's also have a 'connect' platform, so you can roll this out to your marketplace business.

Next on my roadmap is ticketing and 'treasury'. Treasury i'm personally excited about as you'll be able to earn 4% yield on your earnings, FDIC Insurance (FSCS in the UK), multi-currency banking in fiat balances such as USD, EUR, and GBP, or stablecoin balances like OUSD and USDC, and have bank account numbers to send or receive funds.

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It's brand new, i'm still testing payment -> payout flows. These take a little time to verify on live payment rails.

Happy to give some fee-free payment processing for those who reach out and want to be early adopters, I can be reached at [email protected], or comment on thread.

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Tech Stack TLDR:

* TypeScript monorepo covering the API, dashboard, docs, mobile app and SDKs. * The API runs on Ts.ED over Express with TypeORM and Postgres. * Background jobs use pg-boss, so the queue lives in Postgres and there’s no Redis or separate broker. * The dashboard, till and storefront are React + Vite + Tailwind, the docs and help centre are Astro, and the mobile app is React Native/Expo. We ship SDKs for Node, Python, iOS, Android, React Native and WordPress, plus an MCP server and agent tools. * Everything runs on Google Cloud Run and Cloud SQL.

References:

[1] Card issuing: https://tuppence.ai/cards [2] Point of sale: https://tuppence.ai/pos/ridge/