Receipts is the payments processor for indie devs and bootstrapped founders who do the math on Stripe's 2.9% + 30¢ and find it absurd. Drop-in SDK, lower interchange, payouts on T+1.
import { receipts } from "@receipts/sdk";
const charge = await receipts.charges.create({
amount: 10000, // $100.00 in cents
currency: "usd",
source: token, // from checkout.js
brand: { logoUrl: "cdn.cargo.studio/logo.svg" },
metadata: { invoice: "INV-0418" }
});
// charge.fee → 145, charge.net → 9855
// stripe would have taken 320. you saved 175.Charge, Customer, PaymentMethod, Subscription, Invoice. Same shape, same idempotency keys, same webhook events. Most teams swap in 47 minutes.
Receipts your customers see — emailed, on the success page, in their bank statement descriptor — all your brand. We're the rails; you're the storefront.
Multi-region issuing in us-east-1, eu-west-2, ap-south-1. Status page is publicly streaming charge.created latency every 5 seconds — go check it.
Real interchange-plus pricing — we publish our cost stack at receipts.dev/honest-pricing. Volume plan pays for itself at $11k/mo in card volume.
Over $1M/mo card volume? Custom interchange-plus, you'll see our cost stack line by line.
"We're a 10-person studio invoicing six-figure projects four times a year. Stripe's 2.9% on €240k was €6,960 we were essentially renting from them for the privilege of using their dashboard. Switched to Receipts on a Friday — first wire on Monday. Same API, half the fee. The migration was literally a find-and-replace plus a new env var."
"What I didn't expect: the bank statement descriptor now reads 'CARGO STUDIO' instead of 'STRIPE*CARGO'. Clients stopped asking us what Stripe was."
Same interchange as Stripe — interchange is set by Visa/Mastercard, not by the processor. The difference is what stacks on top: Stripe charges ~1.5% above interchange, we charge 0.6%. We do less white-glove fraud review on small merchants, run our own (smaller) sales team, and don't have a billion-dollar dashboard PM org. Our full cost stack is published at receipts.dev/honest-pricing — pull the JSON.
ACH (US), SEPA (EU), BACS (UK), UPI (India), Bancontact (BE), iDEAL (NL), PIX (BR) — on Volume. Pay-as-you-go is cards + wallets only. ACH is 0.6% capped at $4. SEPA is flat €0.18.
Managed by default — we run a risk engine over every EU charge, request 3DS challenge only when SCA exemption thresholds (TRA, low-value, allow-list) don't apply. Our challenge rate is 14% vs an EU industry average of 28%, with the same auth-rate. Auto-exemption decisions are logged on every charge object.
T+1 default — charge on Monday, money in your bank Tuesday by 5pm local. Volume customers can opt into instant payouts (1% fee, 30 minutes) or weekly batching (free, more predictable). Free ACH on all plans. We never hold reserves on accounts under 1.5% dispute rate.
Webhook on dispute.created, plus a $14 chargeback fee (vs Stripe's $15). For Volume customers, we'll auto-respond with evidence we collect from charge metadata, IP, device fingerprint — our win rate on auto-defended disputes is 47% vs 28% if you write the response yourself at 11pm. Dashboard preview at receipts.dev/disputes.
Generate a test key, run our migration script against your Stripe customers, deploy. Most teams are live on Receipts inside 47 minutes. First $1,000 in volume is free.