| What it does | Non-custodial crypto checkout where customers pay with any token and merchants receive USDC or USDT in their own wallet
| B2B revenue assurance for Stripe and Shopify with automated unpaid usage protection, chargeback defense, and EU VAT compliance
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| Stage | Startup
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| Founded | 2026
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| Based in | US
| VN
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| Pricing model | Freemium
| Paid
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| Pricing | Test mode: free. Live payments: 0.7% per completed payment. No monthly or setup fee.
| Free Audit: $0/month (up to 5,000 events/month); Starter: $19/month (up to 100,000 events/month); Growth: $59/month (up to 1,000,000 events/month); Scale: $199/month (up to 5,000,000 events/month)
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| 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
| - Detects canceled or past-due accounts still using your product and pauses access after a configurable grace window
- Stages Visa CE 3.0 chargeback evidence with 120-365 days of historical charges and 90 days of customer activity logs
- Validates buyer VAT IDs across 27 EU member states and Northern Ireland against official EU VIES servers
- Provides official audit trails and SHA-256 signed CSV exports for EU VAT compliance
- Handles VIES server outages by placing fulfillment on safe hold and retrying in the background
- Reconciles Shopify Plus B2B Net-Terms deposits with exact EUR-cent precision
- Native Model Context Protocol (MCP) server for AI agents to audit revenue and manage subscriptions
- Signed HMAC-SHA256 webhooks for account lock and restore with configurable grace periods
- Interactive demo simulators for testing unpaid access detection, chargeback defense, and EU VAT scenarios
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| 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
| - Flat-rate pricing with zero percentage overage fees, unlike per-transaction or metered billing models
- Non-destructive chargeback evidence staging with submit=false control, preserving merchant notes
- 2-minute setup via Stripe OAuth or Shopify App Store without complex code changes
- Agent-native MCP server enabling autonomous AI agents to manage revenue audits and entitlements
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| Free plan | Not given
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| Open source | Not given
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| Platforms | Not given
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| Public API | 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 |
| Trust Flow (Majestic) | 0 | 6 |
| Citation Flow (Majestic) | 0 | 33 |
| Referring domains (Majestic) | 2 | 18 |