PayRequest

What PayRequest does

PayRequest B.V. is a Netherlands-registered (KVK) private billing and payments platform founded in 2019, operating as a bootstrapped, founder-owned company with a small (1-10) team. It provides shareable payment links, hosted checkout pages, invoicing, recurring subscriptions with dunning, and a differentiated card-pre-authorization "security deposit" feature (up to 30-day holds, one-click capture or release) targeted at freelancers, creators, agencies, hosting providers, rental businesses, and digital-goods sellers. Its payment rails are stacked on three core partners — Stripe, Mollie, and PayPal — under a freemium model charging 2% per successful payment capped at €25, plus a quote-based Business plan and non-custodial USDC support on Solana (Solana Pay) and Base (Coinbase L2) via WalletConnect.

The product surface is unusually broad for its size: payment links, payment requests, hosted payment pages, payrequest.me link-in-bio pages, white-label checkout, embeddable payment buttons, crypto tip jars covering 13+ chains, Bitcoin and Litecoin payment links with on-chain confirmation, P2P zero-fee USDC transfers, digital product delivery (PDF, MP4, ZIP, PNG, FIG, KEY), and reseller integrations with Cloudflare and OpenProvider for hosting and domain billing. The company also invests in AI-agent commerce primitives — the payments.txt machine-readable profile and X402 Autonomous Payments protocol — and in 2026 launched the $PAYR Solana SPL token with an automated 10% fee buyback/burn and token-gated premium features on its roadmap.

Distribution is largely product-led and self-serve with no credit card required at signup, augmented by SEO-focused comparison content (vs. Gumroad, Paddle, Stripe, Buy Me a Coffee, WHMCS), presence on X/Twitter, TikTok, LinkedIn and Discord, developer documentation targeting no-code and AI-builder platforms, a managed WHMCS migration channel, and PayPal Partner status that enables merchant onboarding across 200+ markets. There are no disclosed funding rounds, no headcount trajectory, and no published revenue, so growth and scale assessment rests on qualitative signals alone.

Name

PayRequest

Legal name

PayRequest B.V.

Website

https://payrequest.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

PayRequest is a Netherlands-registered payments platform that lets freelancers, creators, and small businesses accept card, SEPA, iDEAL, PayPal, and USDC payments via shareable links, invoices, subscriptions, and deposit holds, using stacked Stripe, Mollie, and PayPal rails.

Ownership category

akta.pro rank

Product category

Payment Processing & Billing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Request-to-Pay (R2P) & Pay Links (FSAMAFAE)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment link software
• Subscription billing
• Online invoicing
• Crypto payment processing
• Digital product delivery

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Platform Transaction Fee (2%): PayRequest charges 2% per successful payment, capped at €25 per transaction. The fee applies only to successful payments; no fee on failed or pending transactions. Free plan available with this fee structure.
2. Business Plan Subscription: Business plan offered on a quote basis, adding enterprise billing automation features on top of the free plan. Pricing not publicly disclosed.
3. $PAYR Token Economy: 10% of the 2% platform fee on crypto payments is automatically used to buy back and burn $PAYR tokens on Solana. This is a deflationary mechanism; token holders gain access to premium features (Q3-Q4 2026 roadmap). Not a revenue stream per se — a tokenomic deflation feature.
4. PayPal Payment Processing (Pass-through): PayRequest routes PayPal payments and passes through PayPal's published rates: 2.9% + €0.35 for standard transactions, with 0% additional PayRequest fee on top. Revenue is the spread or the platform fee is charged separately.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

PayRequest provides a cloud-based billing platform that enables small businesses, freelancers, creators, agencies, and SaaS/hosting providers to accept online payments through shareable payment links, hosted checkout pages, professional invoices, recurring subscriptions, and pre-authorized security deposits. The platform integrates Stripe, Mollie, and PayPal for fiat payments and supports non-custodial USDC payments on Solana and Base via WalletConnect, along with AI-ready payment infrastructure (payments.txt and X402 Autonomous Payments). It is offered as a free tier with a 2% per-transaction fee capped at €25, plus a quote-based Business plan for enterprise billing automation.

Product overview

PayRequest is a billing platform for small businesses that offers payment links, invoicing, subscriptions, and security deposits as its core product suite. The platform is powered by Stripe, Mollie, and PayPal for fiat payments, with native support for USDC on Solana and Base for cryptocurrency transactions. Key products include Payment Links and Payment Requests for shareable payment collection, Invoicing with automatic reminders, Subscriptions with dunning management, Security Deposits for pre-authorized holds, Digital Product Delivery for automated file delivery, and a Payment Button for embeddable checkout. The platform also offers AI-specific products: payments.txt for machine-readable payment profiles and X402 Autonomous Payments enabling AI agents to pay invoices without human intervention. PayRequest.me provides a free link-in-bio page for personal payments. Additional tools include free QR code and payment link generators. Domain and hosting integrations with OpenProvider and Cloudflare support hosting resellers. The company is headquartered in the Netherlands and charges 2% per successful payment (capped at €25) with no monthly fees on the free plan.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Links Shareable payment links that allow merchants to accept payments via email, WhatsApp, QR codes, or social media. Customers pay in a single click with 20+ payment methods including cards, iDEAL, SEPA, Apple Pay, and USDC. Aimed at freelancers, creators, and small businesses.
• Payment Requests Send payment requests directly to customers via email, SMS, WhatsApp, or chat applications, enabling targeted, personalized payment collection with automatic reminders. Designed for freelancers, small businesses, and agencies.
• Payment Page Hosted checkout page with customizable amount buttons, pre-set values, and any custom amount option. Supports 20+ payment methods with one-click checkout. For merchants needing a branded payment page without building a full e-commerce store.
• PayRequest.me Free link-in-bio page for products, tips, and crypto at payrequest.me/username, supporting 20+ payment methods including USDC, cards, and regional payment methods. Targeted at creators, freelancers, and tippers.
• Invoicing Professional invoice creation with automatic payment reminders, PDF attachments, custom invoice numbering, and VAT reverse charge support for EU B2B transactions. Used by freelancers, agencies, and small businesses.
• Security Deposits Pre-authorization feature that holds funds on a customer's card without charging. Merchants can capture (full or partial) if needed or release automatically. Holds last up to 30 days. Designed for rentals, bookings, holiday homes, event gear, car rentals, and equipment leasing.
• Subscriptions Recurring billing platform with automated dunning management, retry logic for failed payments, tiered pricing, and customer self-service portal for plan management. Achieves up to 70% recovery of failed payments. For SaaS, agencies, memberships, and subscription businesses.
• Crypto Payments Accept USDC payments via WalletConnect with zero chargebacks. Supports USDC on Solana (via Solana Pay) and USDC on Base (Coinbase L2). Sub-second settlement with near-zero gas fees. Targeted at merchants seeking low-cost, irreversible, global payment acceptance.
• P2P Wallet Payments PayRequest-to-PayRequest USDC transfers with zero fees. Direct peer-to-peer payments between PayRequest users without platform fees. For wallet-based transfers and community tipping.
• payments.txt Machine-readable payment profile standard that allows AI agents to discover payment preferences, methods, and handle payment configurations programmatically. Positioned as infrastructure for AI-to-AI and AI-to-human payment flows.
• X402 Autonomous Payments Protocol enabling AI agents to autonomously pay invoices without human checkout. AI agents can initiate and complete payment flows without user intervention or manual approval. Aimed at developers building AI-driven commerce and autonomous agent workflows.
• Digital Product Delivery Automated token-based file delivery system. Automatically delivers digital goods (PDFs, MP4s, ZIPs, templates, software licenses) immediately after payment confirmation. For creators selling e-books, courses, templates, software, and memberships.
• Payment Button Embeddable checkout button for any HTML page. Plain HTML anchor (no iframe, no third-party JavaScript), CSP-safe, works in WordPress, Framer, Next.js, Bubble.io, v0, Lovable, Bolt.new, and other platforms. Targeted at developers and no-code builders.
• Customer Portal Modern self-service customer portal where clients can view invoices, manage subscriptions, update payment methods, and access purchase history. Used by SaaS providers, agencies, and hosting businesses.
• Sales Page Branded sales pages to showcase products and services. Includes product descriptions, pricing, images, and direct checkout integration. For creators and small businesses selling digital products or services.
• Crypto Tip Jar Single link displaying multiple cryptocurrency wallet addresses (BTC, LTC, ETH, SOL, DOGE, USDT, USDC, BNB, XRP, ADA, TRX, MATIC/POL, AVAX) with QR codes and copy buttons. Supports streaming integrations, GitHub sponsorship pages, and link-in-bio. No PayRequest fee on tip payments. For creators receiving tips across multiple cryptocurrencies.
• Bitcoin Payment Link Convert any Bitcoin wallet address (legacy P2PKH starting with 1, P2SH starting with 3, or bech32 starting with bc1) into a shareable payment link with QR code, copy button, and automatic blockchain confirmation via Blockstream explorer. For merchants accepting Bitcoin payments.
• Litecoin Payment Link Turn Litecoin wallet addresses into shareable payment links with QR codes and copy buttons. ~2.5 minute block confirmations via Litecoinspace block explorer. Fraction-of-a-cent network fees. For merchants accepting Litecoin payments.

Quantifiable outcome

• Setup time of 30 seconds from account creation to first live payment link
• +8 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core and enhancement.

• StripecoreTechnology or IntegrationStripe is one of PayRequest's three core payment provider integrations (alongside Mollie and PayPal). Merchants connect their Stripe account to PayRequest to accept card payments, Apple Pay, Google Pay, and more. PayRequest routes transactions through Stripe's infrastructure.
• MolliecoreTechnology or IntegrationMollie is one of PayRequest's three core payment provider integrations. Provides European payment methods including iDEAL, Bancontact, SEPA Direct Debit, Sofort, Giropay, Klarna, and more. PayRequest routes transactions through Mollie's infrastructure.
• PayPalcoreTechnology or IntegrationPayPal is one of PayRequest's three core payment providers. Enables 400M+ PayPal buyers, Pay Later (BNPL), and Venmo for US customers. PayRequest is a PayPal Partner with streamlined partner onboarding — no API keys required. Supports 200+ markets including markets other billing tools don't cover (India, Philippines, Brazil, Argentina, UAE, Indonesia, South Africa, Israel).
• CloudflareenhancementTechnology or IntegrationCloudflare integration allows hosting providers and domain resellers to give customers self-service DNS management (A, AAAA, CNAME, MX, TXT, NS, SRV, CAA records) and domain forwarding (301/302 redirects) directly from their PayRequest subscription portal. No Cloudflare login sharing required — everything runs through the branded customer portal.
• OpenProviderenhancementTechnology or IntegrationOpenProvider integration gives PayRequest users access to 1,900+ TLDs for domain reselling, SSL certificates (Sectigo, DigiCert, Let's Encrypt), real-time price synchronization with custom markup percentages, WHOIS privacy, and EPP-based transfer management. Automates domain billing with automatic invoice creation on registrations and renewals.
• PumpSwapcoreTechnology or IntegrationPumpSwap is the Solana DEX where 10% of PayRequest's platform fees on crypto payments are automatically used to buy back and burn $PAYR tokens. Buyback mechanism runs on-chain with no manual steps.
• BlockstreamcoreTechnology or IntegrationBlockstream's public Bitcoin explorer is used by PayRequest to auto-confirm Bitcoin payments. When a customer clicks 'I've paid' on a BTC invoice, PayRequest queries Blockstream to verify the on-chain transaction.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Stripe: Stripe offers Payment Links, Stripe Billing, and Stripe Invoicing directly to SMBs and developers. As Stripe's flagship embeddable checkout primitive with near-universal developer awareness, Stripe Payment Links is the most directly comparable product to PayRequest, even though Stripe's broader scope makes it a wide-incumbent peer rather than a focused competitor.
• PayPal: PayPal operates PayPal.me (the obvious direct analog to payrequest.me), PayPal Invoicing, and Pay Later (BNPL) — three products PayRequest explicitly competes with. As PayRequest is a PayPal Partner that layers on top of PayPal's rails, the relationship is both competitor and infrastructure.
• Square (Block): Square offers Invoices, Payment Links, and subscription billing to SMBs in retail and services — directly overlapping with PayRequest's invoicing, payment links, and security deposit use cases (especially for rental and service businesses). Square is a much larger incumbent with a broader commerce stack.

Direct peers

• Gumroad: Gumroad is the dominant creator-economy payment-link platform selling digital products, memberships, and subscriptions to individuals. PayRequest explicitly positions against Gumroad's 10% take rate with its 2%-capped-at-€25 pricing, and both serve the same solo-creator and course-creator segments with similar checkout and digital-delivery workflows.
• Paddle: Paddle is a Merchant-of-Record billing platform for SaaS and digital product sellers handling global tax, subscriptions, and invoicing. PayRequest's own comparison page shows Paddle charges 5% + €0.50 versus PayRequest's 2%-capped model, and the two compete directly for software/template sellers selling globally.
• Buy Me a Coffee: Buy Me a Coffee provides shareable payment links and tip-page functionality specifically targeting creators and freelancers — a near-exact functional analog to PayRequest.me and PayRequest's core payment-link product. PayRequest explicitly markets comparison/alternative content against Buy Me a Coffee.
• Lemon Squeezy: Lemon Squeezy is a Merchant-of-Record platform for digital creators selling software, templates, and digital goods with subscription support — directly overlapping with PayRequest's digital-product-delivery and subscription products for the same indie-creator segment.
• Chargebee: Chargebee is a subscription billing and revenue management platform offering dunning, recurring invoicing, and customer portals — comparable to PayRequest's Subscriptions product with 70% failed-payment recovery and customer portal. Chargebee focuses more on mid-market SaaS, while PayRequest targets self-serve SMBs.
• WHMCS: WHMCS is the dominant web-hosting billing and automation platform serving hosting providers and SaaS businesses — exactly the segment PayRequest targets with its dedicated WHMCS migration channel. PayRequest positions itself as the modern, lower-cost WHMCS alternative with automated recurring billing and customer portals.

Others

• Mollie: Mollie is both an infrastructure provider (one of PayRequest's three core payment rails) and a partial competitor offering its own payment links and subscription billing. The relationship is hybrid: PayRequest is an Official Mollie Partner that routes transactions through Mollie's iDEAL/SEPA/Banconnect rails while also competing for some of the same European SMB payment-link use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/payrequest_io
• LinkedInlinkedin.com/company/payrequest
• TikToktiktok.com/@payrequest
• Facebookfacebook.com/payrequest

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayRequest