Payments should give more back.
Every business pays to be paid. It should cost less and give something back: lower fees on what you take, cashback on what you spend. Built for developers and AI agents.
One account to get paid and to spend.
Tuppence is one account in three parts: Payments, Accounts & cards, and Business tools. Businesses take card payments through checkout (embedded or hosted), payment links and subscriptions, and AI products bill for usage from prepaid credit.
The same account issues Tuppence cards for your team and your AI agents, with limits and approvals. UK businesses take cards from 0.79% and earn 0.89% cashback on what they spend with the card. US businesses take cards at 2.49% + 20¢ and earn 1% cashback on Tuppence cards.
Everything is API first: Node and Python SDKs, an MCP server, and a SKILL.md that teaches agents to use it safely. The dashboard and the iPhone and iPad app use the same API.
The name comes from the tuppence: small amounts, handled well, add up.
Four principles.
Right to the penny
Money is whole pence, never floating point. Every fee rounds one way, every rounding is recorded, and our ledger is reconciled with our card processor’s records nightly.
Card numbers never reach us
Card numbers go straight from the payer’s browser to our PCI DSS Level 1 card processor. They never reach our servers, logs or SDKs.
People decide
Agents can start payments and ask to spend. A person approves what matters, on a pay page or with Face ID on their phone.
Honest pricing
One rate per payment, published in full, from the same price list our fee engine charges. No fixed fee, no monthly fee.
Open for business.
Register in a minute and build in test mode straight away. Take live payments once we’ve verified your business.
Company details
Tuppence is operated by Tuppence AI Ltd, a private limited company registered in England and Wales. Registered office: 38 Greenvale Road, London SE9 1PD, United Kingdom. Email: contact@tuppence.ai.
Stripe Payments UK Ltd processes card payments. Tuppence cards are issued by Stripe Payments UK Ltd. See Compliance.