Accept bank payments.
Keep more of every sale.
Add “Pay with Puffin” to your checkout, send pay links, or put a QR code on the counter. Customers approve in their bank app and the money is yours in seconds.
One simple rate.
No monthly fee, no setup fee, no separate per-transaction charge on top.
Per payment
That’s it. Compare to the 2.5–3% most businesses pay to accept cards.
Minimum
For small tickets, so a $5 coffee costs 25¢ to accept.
Cap
Big tickets stay cheap. A $5,000 invoice costs $10, not $145.
What you’d pay, side by side
| Sale | Typical card (2.9%) | Puffin | You keep |
|---|---|---|---|
| $10.00 | $0.29 | $0.25 | $0.04 |
| $50.00 | $1.45 | $0.50 | $0.95 |
| $200.00 | $5.80 | $2.00 | $3.80 |
| $1,000.00 | $29.00 | $10.00 | $19.00 |
| $5,000.00 | $145.00 | $10.00 | $135.00 |
Card column is an illustration at 2.9% and excludes per-transaction fees (often 10–30¢) that many processors add. Your actual card costs depend on your processor and the cards your customers use. Pilot pricing is subject to final terms.
Your money, when you want it.
Daily automatic payouts
Your balance is paid out to your business bank account every day, automatically. Nothing to remember.
Instant on demand
Need it now? Trigger an instant payout from your dashboard and it lands in seconds, including nights and weekends.
A clear dashboard
See every payment, payout, and refund in one place, with exports for your bookkeeping.
Final payments. Refunds you control.
Instant bank payments settle with finality — there’s no card network to reverse them weeks later. That means no card chargeback fraud.
- Refunds from your dashboard — full or partial, sent back to the customer’s bank account.
- Customer-approved payments — each one is confirmed by the account holder inside their own bank app.
- Your policy, your call — handle returns the way you do today, without chargeback fees.
Online checkout
A “Pay with Puffin” button that sits next to your existing payment options.
Pay links
Send a link by text, email, or invoice. Great for deposits, services, and B2B.
In person
QR or tap at the counter or table. Customers approve on their own phone.
What joining the pilot looks like.
We’re starting small on purpose, so every pilot merchant gets hands-on help.
Tell us about you
Email us your business, what you sell, rough monthly volume, and whether you sell online, in person, or both.
We check the fit
We’ll confirm that Puffin suits your business and walk you through how setup and payouts will work.
Go live together
When the pilot opens, we help you add Puffin alongside your current payment options — no need to drop cards.
Ready to cut your payment costs?
Pilot spots are limited. Email us and we’ll follow up personally.