Non-custodial crypto checkout where customers pay with any token and merchants receive USDC or USDT in their own wallet
Stage
Not given
Startup
Founded
Not given
2026
Based in
DE
US
Pricing model
Free trial
Freemium
Pricing
Monthly: €9.99 (regular) or €5.00 with 50% founder discount. Annual: €99 (regular) or €49.50 with 50% founder discount, saving approximately 17%. Both plans include automatic recurring payment monitoring, AI-assisted categorization, email notifications for missing or overdue payments, browser-based
Test mode: free. Live payments: 0.7% per completed payment. No monthly or setup fee.
Key features
Automatic recurring payment monitoring
Real-time alerts for missing or overdue payments
Detection of missing transactions
Rent payment monitoring for landlords
Overview of active subscriptions and contracts
Subscription price increase alerts
PSD2 bank synchronization across Europe
AI-assisted transaction categorization
Encrypted bank account data storage
Incoming payment alerts
Hosted checkout sessions for stablecoin payments
Direct settlement to merchant-controlled wallet
Independent onchain payment verification
Signed webhook notifications with retry delivery
JavaScript and React SDKs for integration
Separate test and live payment modes
Payment links, invoices, and API-based checkout creation
Dashboard with payment records and settlement wallet settings
API playground for testing checkout flows
What makes it different
Secure PSD2 Open Banking integration so you never share bank credentials
AI automatically detects recurring patterns and price changes
Works in background with encrypted server-side monitoring
Tailored for landlords, small businesses, and freelancers
No credit card required for 30-day free trial
Non-custodial: Payclave never holds funds or private keys; settlements go directly to the merchant's own wallet
Accept any token: customers pay with whatever supported token they already hold without bridging or swapping
Simple flat 0.7% pricing with no monthly fee, setup fee, or payout fee
Independent onchain verification before marking payments as complete
Developer-friendly with published API, SDKs, and comprehensive guides for integration and reconciliation
Payclave