Non-Custodial USDC Subscriptions for
SaaS & Cloud Platforms
Bill monthly subscriptions, team seat licenses, and usage-based compute consumption directly in USDC. Settle instantly to your self-custodial vault with zero rolling reserves and no chargeback disputes.
Why Top SaaS Companies Switch to USDC Rails
Traditional credit card gateways bleed 3.5% + $0.30 on every billing cycle and impose 90-day rolling reserves. OwnPay sets your revenue free.
Zero Chargebacks & Dispute Loss
Eliminate customer chargebacks and $25 dispute fees permanently. Onchain transactions settle with cryptographic finality, protecting your ARR against friendly fraud.
Smart Account Session Keys
Customers approve a recurring monthly allowance once using Passkeys or their Web3 wallet. Your backend invokes automated subscription deductions without prompting the user each month.
Sub-Cent Metered Deductions
Charge customers for exact API tokens, compute hours, or gigabytes consumed. Sub-cent gas overhead on Base L2 makes micro-invoicing economically viable for the first time.
Legacy SaaS Processors vs OwnPay Protocol
| Billing Parameter | OwnPay Protocol | Legacy Credit Card Processors |
|---|---|---|
| Processing Fee | 0.05% - 0.25% Pay-As-You-Go | 2.9% - 3.5% + $0.30 per charge |
| Merchant Software Subscription | $0 / month (Zero Platform Fees) | $29 - $299 / month + add-on fees |
| Payout Delay | Instant (1.8s) Direct to Vault | 2 to 7 Business Days payout lag |
| Rolling Reserve Lockup | 0% (Funds never held in custody) | 5% - 15% withheld for 90-180 days |
| International Card Failures | 0% (USDC works worldwide) | 12% - 24% decline on cross-border cards |