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Subscriptions

Subscriptions that charge themselves

No billing, no per-country tax, no card retries, no dunning. With Kunfupay you sell — we are the Merchant of Record.

Start freeHow it works

No fixed fees · Commission per completed transaction

The problem

Subscription billing eats your team

Every country, every payment method, every tax has its own rules. And whoever fails to charge on time loses customers.

Per-country tax

EU VAT, US sales tax, ITBIS, IGIC… each market with its rules and thresholds.

Cards that fail

5–15% of renewals fail on the first try. Without smart dunning you leak real MRR.

Invoices and compliance

Issuing, numbering, archiving and answering audits: hours you don't have.

Cancels and reactivations

Cancels, upgrades, downgrades, pauses, plan changes… each with its own logic.

The solution

Kunfupay handles the full cycle. You just sell.

As Merchant of Record we're the legal seller to the end customer. You get the net in your wallet — we handle the rest.

How our MoR model works

Full billing cycle

Signup, charge, retries, dunning, prorations, pauses, upgrades and cancellations — automatic.

Global tax solved

VAT, sales tax, withholdings and refunds. You invoice Kunfupay and that's it.

Invoices and compliance

We issue and archive invoices for you, adapted to the buyer's country.

Payouts to your wallet

Each cycle's net lands in your Global Wallet — withdraw whenever and however you want.

How it works

From idea to first recurring charge in a short while

  1. 01

    Connect your product

    Define plans, cycles (monthly, quarterly, yearly) and prices in the buyer's currency.

  2. 02

    Share the checkout

    Universal link or embedded. The buyer picks the local method. Multi-country acceptance.

  3. 03

    Automate access and renewal

    Webhook (or MCP for agents) on signup, renewal, downgrade, cancel. No heavy code.

  4. 04

    Receive the net

    Each cycle lands in your Global Wallet. Withdraw to local bank, USDT or spend with the Kunfupay card.

Use cases

Two verticals already running on Kunfupay subscriptions

SaaS

Software with paid plans

Freemium with upgrade, per-seat plans, add-ons, metered usage. All with MoR — no need to build your own billing.

  • Tiered plans + add-ons
  • Automatic prorations on plan changes
  • Trial → conversion → renewal
  • B2B and B2C billing without operational distinction
  • MRR, churn, LTV metrics in dashboard
  • API or MCP integration for AI agents
See Kunfupay API & MCP
Communities and courses

Recurring access that manages itself

Private communities, courses with monthly/yearly access, premium memberships. Charges that renew and access that syncs.

  • Automatic join and remove on Telegram, Discord, WhatsApp or Classroom
  • Recurring charge in each member's currency
  • Pause, upgrade to yearly, win-back on cancellation
  • Coupons and codes per creator or affiliate
  • MRR and churn dashboard per community
  • No per-subscriber-country tax handling on your side
See Communities

Vs. the competition

Like Paddle or Lemon Squeezy, but with local LATAM and European methods

Kunfupay is MoR just like Paddle and Lemon Squeezy, plus what they don't cover: local methods across every Spanish-speaking market, crypto, and payouts in whichever currency you prefer.

FeatureKunfupayPaddleLemon SqueezyStripe
Merchant of Record modelYesYesYesNo
Local LATAM methods (Pix, Nequi, SPEI, Mercado Pago…)YesPartialNoYes (per country)
Crypto as a payment methodYesNoNoNo
Payouts in crypto + local bankYesBank onlyBank onlyBank only
API + MCP for AI agentsYesAPIAPIAPI
No monthly feeYesYesYesYes
For developers

API & MCP

Building a SaaS? Integrate with API or MCP.

Our subscriptions gateway is accessible via traditional REST and via MCP for AI agents. Let Claude, Cursor or your own agent orchestrate signups, charges, upgrades and cancellations.

See API & MCPFeature-gated · request access
kunfupay · subscriptions
POST /v1/subscriptions
{
  "customer": "cus_9f2k",
  "plan": "pro_monthly",
  "currency": "auto",
  "trial_days": 14
}

FAQ

Frequently asked questions about subscriptions

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Stop managing billing. Charge subscriptions.

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Technology partners: we work with technology and financial-infrastructure providers, including Crossmint, Bridge, Pomelo, Blindpay and Fireblocks.

Kunfupay is a financial technology company, not a financial institution or a bank, and does not hold third-party funds. Payment, card-issuing and account services are provided by licensed financial partners; cards are issued pursuant to a license from Visa Inc.

Digital assets (including stablecoins) are not bank deposits, legal tender, or covered by any government-backed insurance. Their issuance, custody and conversion are handled by third-party providers; Kunfupay neither custodies digital assets nor guarantees their convertibility. Geographic and regulatory limits may apply and are subject to change.

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