Effortless Usage-Based Billing for Your SaaS
Small Transfers is a payments platform that lets you bill as little as 0.000001 USD per request. You provide the service, we charge your customers, you get paid. Easy.
Problem & Solution
Problem
28% feel overwhelmed by subscriptions. Of those that do subscribe, 39% will cancel within the first month. Prepaid bundles have a similar barrier to entry.
Solution
Add usage-based billing so your customers can pay a little to try your service before committing to a subscription.
Example
Your Service
You offer an online service that allows customers to increase the resolution of an image using AI.
Charging
Each time a customer increases the resolution of an image, you charge their Small Transfers account 0.01 USD.
Getting Paid
Each month, customers pay their outstanding balances, and we transfer the amounts to your Stripe account.
User-Friendly
Our API is intuitive and easy to use. Here is an example of how you can authorize a charge:
const url = "https://smalltransfers.com/api/v1/charges";
const response = await fetch(url, {
method: "POST",
headers: {
Accept: "application/json",
"Content-Type": "application/json",
},
body: JSON.stringify({
publishableKey: "<publishable_key>",
secretKey: "<secret_key>",
accessToken: "<access_token>",
currency: "usd",
amountMicros: 10_000, // 0.01 USD
}),
});
See our API Reference for more information.
Features
Easy to Integrate
No products, prices, or subscriptions. Just a simple API.
Spending Limits
We gradually increase how much a customer can owe, which reduces your risk.
Automated Payments
We take care of charging customers, tracking payment methods, retries, reminders, and more.
Authentication Included
The platform authenticates customers, so you don't need to handle authentication yourself.
Data Security
All traffic uses TLS. Data at rest is AES-256 encrypted. We don't store full card details (PCI DSS SAQ A).
Easy Setup
Connect Stripe
Connect your existing Stripe account or create a new one, so we can easily transfer customer payments to you.
Get Authorization
Send your customers to a page where they can allow you to charge their Small Transfers account. This also serves as authentication for your service.
Charge
For each customer request, charge their Small Transfers account by calling a simple API.
See our Integration Guide for details.
Pricing
You pay a flat 3% fee on the total amount you charge your customers, regardless of the number of charges.
There are no fixed or monthly fees.
About us
Small Transfers was founded by Dr Rok Strniša, an entrepreneur with over 15 years of experience in the tech industry.
Rok has obtained 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
We are proud to have the following incredible people as our advisors.
Richard Stein
Payments Advisor
Dr Jat Singh
Policy Advisor
Dr Jean Martina
Security Advisor
FAQ
Can I set my own price?
Yes, you can charge a different amount for each request, which is useful when your cost varies with each request.
How much can I charge per request?
From 0.000001 USD to 1 USD. If you are thinking of charging a different amount, please get in touch.
What if the customer reaches their spending limit?
The API call will fail. In which case, you can inform the customer, and they can take an appropriate action.
Do you hold customer funds?
No. After a customer pays, the funds are immediately forwarded to your Stripe account using a Stripe transfer.
Do you perform any checks on customers?
Each customer must provide a payment method that passes our risk checks and is verified with 3D Secure.
What if a customer's payment fails?
We automatically retry their payment method(s), notify them, and pause new charges to their account.
How much can each customer owe?
A customer can owe at most 10 USD when they create their account. This can go up to 30 USD with successful payments.
Can you point me to an existing integration?
Unattach (also created by us) uses Small Transfers to offer a Pay-as-You-Go pricing model to its users.
How can I get in touch?
If you have any other questions, please contact us.