Payclave vs NoteHouse
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Payclave compared with NoteHouse
| Detail | 
Payclave | 
NoteHouse |
|---|
| What it does | Non-custodial crypto checkout where customers pay with any token and merchants receive USDC or USDT in their own wallet
| Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
|
|---|
| Stage | Startup
| Startup
|
|---|
| Founded | 2026
| 2026
|
|---|
| Based in | US
| US
|
|---|
| Pricing model | Freemium
| Freemium
|
|---|
| Pricing | Test mode: free. Live payments: 0.7% per completed payment. No monthly or setup fee.
| Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
|
|---|
| Key features | - 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
| - Promissory note generation from loan terms
- Amortization schedule computation
- Payment confirmation by both parties
- E-signature with document hashing
- Payment reminders before due dates
- Bank debit collection on Standard plan
- Loan modification and forgiveness agreements
- Write-off record for unpaid loans
|
|---|
| What makes it different | - 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
| - Append-only, hash-chained ledger that cannot be secretly altered
- Never holds funds or acts as a financial institution
- Legally-structured promissory notes with all required terms
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| Free plan | Not given
| Not given
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| Open source | Not given
| Not given
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| Platforms | Not given
| Not given
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| Public API | Not given
| Not given
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| Community votes | 0 | 0 |
|---|
| DR (Domain Rating by Ahrefs) | Not checked yet ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 0 | 1 |
|---|
| Citation Flow (Majestic) | 0 | 22 |
|---|
| Referring domains (Majestic) | 2 | 7 |
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8 details filled in for both companies.
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