> ## Documentation Index
> Fetch the complete documentation index at: https://documentation.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# What is Suby?

> The payment infrastructure for internet businesses. Cards, stablecoins, subscriptions, and global tax compliance in one place.

Suby is a **Merchant of Record** built for modern internet businesses. Accept payments globally across every major method, handle tax compliance automatically, and get paid your way.

<Frame>
  <img src="https://mintcdn.com/suby/_7khuBgqYog1Ce4L/images/subyhome.png?fit=max&auto=format&n=_7khuBgqYog1Ce4L&q=85&s=f26380269224b4ead3372023075231c1" alt="Subyhome" width="2918" height="1646" data-path="images/subyhome.png" />
</Frame>

## What is Suby?

Suby provides the infrastructure that lets you sell globally without managing the operational complexity of cross-border payments, tax filings, subscription logic, or settlement flows.

Cards. Bank accounts. Apple Pay. Google Pay. Stablecoins. Multiple payout options. All routed through a single, fast orchestration layer.

<CardGroup cols={2}>
  <Card title="Merchant of Record" icon="shield-check">
    We become the legal seller. We calculate, collect, and remit VAT, GST, and sales taxes across 190+ countries on your behalf.
  </Card>

  <Card title="Every Major Payment Method" icon="credit-card">
    Cards, bank accounts, Apple Pay, Google Pay, and stablecoins across multiple chains, all available out of the box.
  </Card>

  <Card title="Full Billing Infrastructure" icon="layer-group">
    Subscriptions, dunning, discount codes, customer notifications, and a unified revenue dashboard out of the box.
  </Card>

  <Card title="Flexible Payouts" icon="wallet">
    Get paid to your bank account or in stablecoins across multiple chains. Your money, your way.
  </Card>
</CardGroup>

## Problems We Solve

<AccordionGroup>
  <Accordion title="Tax compliance is slowing you down">
    Selling globally means dealing with VAT, GST, and sales taxes across dozens of jurisdictions with different rates, thresholds, and filing requirements. Most founders either ignore it (risky), hire expensive accountants, or limit where they sell.

    As your Merchant of Record, Suby becomes the legal seller. We calculate, collect, file, and remit taxes worldwide. You never touch a tax form.
  </Accordion>

  <Accordion title="Payments alone are not enough">
    Running an internet business requires more than processing payments. You need subscription management, discount codes, customer notifications, analytics, and integrations. Using separate tools for each creates complexity and ongoing maintenance overhead.

    Suby brings everything together: subscription lifecycle, discount codes, automated notifications, Discord and Telegram integrations, and a unified revenue dashboard in one place.
  </Accordion>

  <Accordion title="You are locked into one payment method">
    Most payment platforms only support cards, with slow fiat payouts. Stablecoin-native businesses have nowhere to go, and businesses that want optionality have to stitch together multiple providers.

    Suby accepts cards, bank payments, Apple Pay, Google Pay, and stablecoins natively, all orchestrated through a single integration. On the payout side: bank accounts or stablecoins. No forced currency conversion, no delays, no extra providers to manage.
  </Accordion>
</AccordionGroup>

## Core Features

<CardGroup cols={3}>
  <Card title="One-time Payments" icon="bolt">
    Sell digital products, services, or access with a fast checkout via API or PayLinks.
  </Card>

  <Card title="Subscriptions" icon="rotate">
    Recurring billing with automatic renewals, trials, dunning, and flexible plan management.
  </Card>

  <Card title="Global Tax Compliance" icon="globe">
    VAT, GST, and sales tax across 190+ countries. Calculated, collected, and remitted automatically.
  </Card>

  <Card title="Discord Integration" icon="discord">
    Automatically grant or revoke Discord roles when users subscribe, cancel, or renew.
  </Card>

  <Card title="Telegram Integration" icon="paper-plane">
    Connect payments to Telegram bots and unlock premium groups or channels instantly.
  </Card>

  <Card title="Flexible Payouts" icon="wallet">
    Bank accounts or stablecoins across multiple chains.
  </Card>
</CardGroup>

## Quick Start

<Steps>
  <Step title="Create your account">
    [Sign up for Suby](https://app.suby.fi/). Takes under 1 minute.
  </Step>

  <Step title="Create your first product">
    Set up a one-time product or a subscription plan from your dashboard. Choose your price, and configure access delivery.
  </Step>

  <Step title="Start accepting payments">
    Generate a **PayLink** and share it instantly with no code required. Integrate via the API for a fully custom checkout flow. Or connect Discord and Telegram to gate access automatically the moment a payment goes through.

    [PayLinks](/v2/docs/features/paylinks) · [API](/v2/api-reference/introduction) · [Discord](/v2/docs/features/discord-integration) · [Telegram](/v2/docs/features/telegram-integration)
  </Step>
</Steps>

## Integration Options

<CardGroup cols={2}>
  <Card title="PayLinks" icon="link" href="/v2/docs/features/paylinks">
    Create a payment link from your dashboard and share it anywhere. No code needed. Start in minutes.
  </Card>

  <Card title="API" icon="code" href="/v2/api-reference/introduction">
    Full programmatic control over products, customers, subscriptions, and payouts.
  </Card>

  <Card title="Discord" icon="discord" href="/v2/docs/features/discord-integration">
    Gate access to roles, channels, and servers automatically when a payment goes through.
  </Card>

  <Card title="Telegram" icon="paper-plane" href="/v2/docs/features/telegram-integration">
    Unlock premium groups and channels instantly the moment a subscriber pays.
  </Card>
</CardGroup>

## Suby vs. the Alternatives

### Merchant of Record

|                                    | Suby | Stripe | Lemon Squeezy | Whop |
| ---------------------------------- | ---- | ------ | ------------- | ---- |
| Acts as Merchant of Record         | ✅    | ❌      | ✅             | ✅    |
| Global tax compliance (VAT, GST)   | ✅    | ❌      | ✅             | ✅    |
| Tax filing and remittance included | ✅    | ❌      | ✅             | ✅    |

### Pay-in Methods

|                                        | Suby | Stripe    | Lemon Squeezy | Whop    |
| -------------------------------------- | ---- | --------- | ------------- | ------- |
| Cards (Visa, Mastercard)               | ✅    | ✅         | ✅             | ✅       |
| Apple Pay / Google Pay                 | ✅    | ✅         | ✅             | ✅       |
| Bank payments                          | ✅    | ✅         | ❌             | ✅       |
| Stablecoins multichain (USDC, USDT...) | ✅    | Partial\* | ❌             | Partial |

\*Stripe supports USDC stablecoin pay-in via Bridge, limited rollout.

### Payout Methods

|                        | Suby | Stripe  | Lemon Squeezy | Whop    |
| ---------------------- | ---- | ------- | ------------- | ------- |
| Bank account           | ✅    | ✅       | ✅             | ✅       |
| Stablecoins multichain | ✅    | Partial | ❌             | Partial |

### Developer Experience

|                         | Suby | Stripe | Lemon Squeezy | Whop    |
| ----------------------- | ---- | ------ | ------------- | ------- |
| Custom checkout via API | ✅    | ✅      | Partial       | ❌       |
| Webhooks                | ✅    | ✅      | ✅             | ✅       |
| Discord integration     | ✅    | ❌      | ❌             | Partial |
| Telegram integration    | ✅    | ❌      | ❌             | Partial |

### Fees

|                         | Suby            | Stripe        | Lemon Squeezy | Whop          |
| ----------------------- | --------------- | ------------- | ------------- | ------------- |
| Transaction fee         | **4% + \$0.40** | 2.9% + \$0.30 | 5% + \$0.50   | 2.7% + \$0.30 |
| International surcharge | —               | +1.5%         | +1.5%         | +1.5%         |
| Tax compliance included | ✅               | ❌             | ✅             | ✅             |

**Stripe** is a payment processor. You remain responsible for tax compliance, VAT registration, and global filings. Suby handles all of that as your legal seller.

**Lemon Squeezy** is a MoR but cards-only for pay-in, no native stablecoin support, and no API-first checkout for custom integrations. Acquired by Stripe in 2024, roadmap unclear.

**Whop** is a marketplace platform, not pure infrastructure. Your product lives inside Whop's ecosystem. Suby is infrastructure you embed directly into your own product with full API access and no platform dependency.

## Transparent Pricing

**4% + \$0.40** per successful transaction. You only pay when you generate revenue. No monthly fees. No setup costs.

Additional payout fees:

* Bank and stablecoin payouts: +1%
* Venmo and PayPal: their standard rates apply

Full breakdown on the [Pricing page](https://suby.fi/pricing).

## FAQ

<AccordionGroup>
  <Accordion title="How fast can I start accepting payments?">
    Most users start accepting payments in minutes. Create an account, generate a PayLink or integrate the API, and start selling instantly.
  </Accordion>

  <Accordion title="What payment methods do you support?">
    Customers can pay with cards, bank transfers, Apple Pay, Google Pay, or stablecoins: USDC, USDT, and more across multiple chains. Cash App support is coming soon.
  </Accordion>

  <Accordion title="What makes Suby different from Stripe?">
    Stripe is a payment processor. You are still responsible for tax compliance, filings, and global sales taxes. Suby is a Merchant of Record. We act as the legal seller, handling tax compliance, payments infrastructure, and global regulations for you.
  </Accordion>

  <Accordion title="What makes Suby different from Whop?">
    Whop is a marketplace for selling digital products and communities. Suby is a Merchant of Record platform that lets you accept payments globally across every major method, handle tax compliance automatically, and integrate directly into Discord, Telegram, or your own product via API, with no marketplace dependency.
  </Accordion>

  <Accordion title="What is a Merchant of Record?">
    A Merchant of Record is the legal entity responsible for a transaction. When you use Suby, we become the seller of record. We handle tax collection and remittance, fraud liability, regulatory compliance, and chargebacks so your business does not have to. [Learn more about MoR](/v2/docs/merchants/what-is-a-merchant-of-record).
  </Accordion>
</AccordionGroup>

## Ready to Start?

<CardGroup cols={2}>
  <Card title="Create account" icon="rocket" href="https://app.suby.fi/">
    Free signup. Live in under 1 minute.
  </Card>

  <Card title="Quickstart guide" icon="map" href="/v2/docs/introduction/quickstart">
    Accept your first payment in 2 minutes.
  </Card>

  <Card title="Explore the API" icon="terminal" href="/v2/api-reference/introduction">
    Endpoints, authentication and webhooks.
  </Card>

  <Card title="Join our community" icon="discord" href="https://discord.com/invite/C8dxBm3hpj">
    Get help from the team & other builders.
  </Card>
</CardGroup>