Accept ACH payments via simple links at just 0.8% fees – perfect for low-volume margins.
High Stripe and payment gateway fees are eating into the thin profit margins of small business owners, especially on low-volume transactions.
Generate shareable payment links that exclusively accept secure bank-to-bank ACH transfers powered by Stripe. Customers instantly link their bank and pay without card fees hurting your profits. Track everything in a clean dashboard with direct payouts to your account.
Small business owners processing low-volume transactions
ACH-only focus eliminates fixed card fees, delivering up to 5x savings tailored for small businesses with sporadic low-value transactions.
friendly
Create unlimited customizable ACH-only payment links with amount, description, and branding.
Real-time view of links, payments received, pending, and total savings vs Stripe cards.
Automatic payouts to your bank; connect Stripe once during onboarding.
Monitor status updates (pending, succeeded, failed) with notifications.
Optional name/email collection for receipts and follow-ups.
Auto-send receipts and payment confirmations.
Add logo and colors to links.
Charts for volume, avg fee savings.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| stripe_customer_id | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount_cents | int | No |
| description | text | Yes |
| stripe_price_id | text | Yes |
| status | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| link_id | uuid | No |
| amount_cents | int | No |
| status | text | No |
| stripe_payment_intent_id | text | Yes |
| customer_email | text | Yes |
Relationships:
/api/linksList user's payment links
/api/linksCreate new payment link
/api/links/:idGet link details
/api/paymentsList payments for user
/api/stripe/webhookHandle Stripe events
No custom branding
Solo use
Custom limits
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 2.5% | $125 | $1,500 |
| Month 6 | 2,000 | 8% | $4,000 | $48,000 |
Ditch Stripe's 2.9% + 30¢ – get paid via bank transfers on shareable links built for low-volume sales.
Share MVP on Indie Hackers and r/smallbusiness with free Pro trials. Cold DM 20 Etsy/Fiverr sellers on LinkedIn highlighting fee savings calc. Follow up for feedback and testimonials.
Full features
Defaults to high-fee cards
Forces low-fee ACH only
Easy POS
Fixed fees hurt tiny txns
No fixed fees, online focus
Known brand
Highest fees
5x cheaper
First-mover data on ACH adoption patterns for small biz, creating personalized savings reports to lock in users.
Rising gateway fees (up 20% avg) and recession squeeze low-volume sellers seeking alternatives.
Stripe ACH regional limits
US-only launch, test thoroughly
Slow ACH adoption
Educate via landing page calcs
Payment compliance
Use Stripe handling
Success: 50+ yes responses
Success: 80% retention, 1 payment each
Success: 500 visits, 50 signups
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