Payments that give more back.

Accept every US card at 2.49% + 20¢ and issue cards to earn 1% cashback on all spend.

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 that spend earns $0.48 cashback (1%).

2.49% + 20¢ in. 1% back.

One flat rate on every US card. Earn cashback when you spend with Tuppence cards.

  • No monthly fee
  • No set-up fee
See every rate
2.49% + 20¢ on every US card, Amex and commercial included. Cards issued outside the US add 1.5%.
Cards, wallets and pay later

Every major card, Apple Pay and Google Pay, plus Klarna and Clearpay.

  • Visa
  • Mastercard
  • American Express
  • Apple Pay
  • Google Pay
  • Klarna
  • Clearpay
  • Revolut 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": "usd"}'

# 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

Cards that pay you back.

Create a card in one call. Spend within the rules you set. Earn 1% back.

  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

    Earn back

    1% on all card spend, paid into your balance monthly.

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.

Payments that give more back.

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