At Least 10x Cheaper than Stripe
When charging small amounts, Stripe fees become ridiculously high! With Small Transfers, you always pay only 3%!
Alternatives
If you use PayPal or Stripe to charge small amounts, you would pay the following fees.
| Price: | $1.00 | |
|---|---|---|
| Requests: | 10k | |
| Revenue: | $10.00k |
| PayPal | Stripe | Small Transfers | |
|---|---|---|---|
| Fee per Request | $0.52 | $0.33 | $0.03 |
| Total Fees | $5.20k | $3.30k | $300.00 |
| Fees as % of Revenue | 52.0% | 32.9% | 3.0% |
This shows that existing solutions are not suitable for charging small amounts.
Example
Suppose you're building a service that allows its users (customers) to increase the resolution of an image through AI.
A user signs into your service using their Small Transfers account, allowing your service to charge their Small Transfers account.
When the user makes a request, your service charges their Small Transfers account 0.01 STC (where 1 STC costs 1 USD).
Your service then fulfills the request, using AI to increase the image resolution and returning the result to the user.
At the end of the month, you receive a payout based on the number of credits (STC) your customers have spent.
Overview
Quick Setup
Sign Up
Create your merchant account on Small Transfers, describe your service, and get your API keys, which your service uses to securely communicate with Small Transfers.
Integrate
Add the "Sign in with Small Transfers" button to your service, which also removes the need for other auth (e.g. Sign in with Google). See our Integration Guide for details.
Charge
Either per-request or on a regular basis, you charge your customers in Small Transfers Credits (STC), which customers buy in advance using their own account.
Get Paid
Request a payout based on the number of credits (STC) your customers spent. After verifications, we issue the payout in USD. (See our Terms of Service for details.)
User-Friendly
Our API is intuitive and easy to use. For example, you can charge the customer with the following API call:
const response = await fetch("https://smalltransfers.com/api/v1/transactions", {
method: "POST",
headers: {"Content-Type": "application/json"},
body: JSON.stringify({
publishableKey: "<your publishable key>",
secretKey: "<your secret key>",
accessToken: "<access token>",
amountMicros: <STC amount in micros>, // e.g. 3000 for 0.003 STC (where 1 STC costs 1 USD)
}),
});
if (response.ok) {
// Run your service here.
} else {
const { message } = await response.json();
throw new Error(`Failed to charge the account: ${message}`);
}
See our Integration Guide for more information.
Secure
Safe Storage
Your information is stored in secure data centers.
Trusted Authentication & Authorization
We use the industry-trusted protocol (OAuth 2.0) to ensure that permissions are obtained and kept correctly.
Regular Backups
We regularly back up all data to minimise information loss in case of catastrophic events.
Pricing
You pay a 3% fee on the amount you charge your customers, regardless on the size or number of transactions.
There are no fixed amount fees, no monthly charges, and no hidden costs.
About us
Small Transfers was created by Dr Rok Strniša, an entrepreneur with 15+ years of experience in the tech industry. Rok earned his PhD in Computer Science from the University of Cambridge. He was a networking research engineer at Citrix, a financial engineer at the London hedge fund Winton, and a principal engineer at the tech unicorn Improbable.
Dr Rok Strniša
Founder
Advisors
Richard Stein
Payments Advisor
Dr Jat Singh
Policy Advisor
Dr Jean Martina
Security Advisor
FAQ
Can I set my own price for each request?
Yes, you have full control over how much you charge.
How much can I charge per request?
From 0.000001 to 1 STC, where 1 STC costs 1 USD. If you are thinking of charging a different amount, please get in touch.
What if the customer has insufficient credits?
The charge API call will fail, in which case you can inform the customer, and they can buy more credits.
Can you point me to an existing integration?
Unattach (also created by us) uses Small Transfers to offer a pay-as-you-go model to its users - see its pricing page.
How does the platform look to a customer?
Customers use Small Transfers to pay for the services provided by you. See the customer page for more info.
Do you have a referral scheme?
Yes, please see the Ambassador Program for more info.
How can I get in touch?
If you have any other questions, please contact us.
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