Payments and cards for the eurozone.

Accept card payments from 0.9% across the eurozone, and issue euro cards for your business or your customers.

Payment & Card Issuing APIs, SDKs, and an MCP for agents.Quickstart · API reference

The Tuppence mark: a customer pays €120.00 into the blue card, the mint card spends €48.00 with a supplier, and €72.00 is paid out to the business’s IBAN.

from0.9% a payment.

Pay less to accept card payments, with one rate for consumer cards from anywhere in the EEA.

  • No monthly fee
  • No fixed fee
See every rate

Per card payment

  • 0.9% on Visa and Mastercard consumer cards issued in the EEA
  • American Express +0.9%
  • Commercial cards +1.5%
  • Cards issued outside the EEA, the UK’s included, +1.7%

One surcharge at most on a payment: the dearest that applies. A card issued in Italy is an EEA card to a business in Germany.

Cards, wallets and pay later

Every major card, Apple Pay and Google Pay.

  • Visa
  • Mastercard
  • American Express
  • Apple Pay
  • Google Pay
  • Discover
  • Diners Club
  • JCB
  • UnionPay
  • Cartes Bancaires
One account

Three ways it pays.

Get paid for less. Spend on cards that pay you back. Run the business on tools that cost nothing a month.

Illustrations. The fee on each payment is our real price list’s arithmetic.

Accept payments

Get paid online, your way.

Take payments by API, checkout, link or subscription, and issue cards to spend them. One balance, one payout.

curl
curl https://api.tuppence.ai/v1/payments \
  -H "Authorization: Bearer $TUPPENCE_SECRET_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{"amount": 2000, "currency": "eur"}'

# approval_url: our hosted page. client_secret: your own.
  • MCP for agents
  • SDKs for mobile, Node.js and Python
  • Built for the AI era
Card issuing

Euro cards, in one call.

Create a card in one call. Spend within the rules you set.

  1. 1

    Create

    A virtual card for your business or one of your agents, or a physical card for a person. Make and manage them by API or in the dashboard.

  2. 2

    Spend

    Limits, merchant rules and approvals decide every purchase. View card details in a secure frame, or let your code or an agent read them with a key you allow.

  3. 3

    Top up

    Fund the cards by SEPA transfer to an IBAN of their own. It arrives in about a day.

Business tools

One account. Every tool.

The software your business runs on, on the same balance as your payments. No monthly fee.

One balance

Every tool lands in the same place.

9:30 · Bookings
Tuesday deposit
+€10.00
11:30 · Payment link
Logo sketch, paid
+€6.20
13:30 · Store
Linen tote, online
+€24.00
15:30 · Spend
Team card spend
−€48.00
17:30 · Payout
The day, to your IBAN
Scheduled
Everything around the payment

Included with every account.

Payouts

Standard payouts are free, with T+3 settlement (T+7 in your first week).

Refunds and disputes

Full or partial refunds. Dispute evidence drafted for you, and a €15 fee only if you lose.

Your team

Roles, two-factor sign-in and an audit log.

Alerts

Disputes, failed payouts and leaked keys, by email, push or Slack.

Card payments from 0.9%, paid out by SEPA.

Tuppence is coming to the eurozone. Join the waitlist, and we’ll email you once, when it opens.