Pay by Bank.
Built for global commerce.
Quidkey unifies intelligent checkout and automates what happens after payment, including tax calculation, splits, and FX, in one platform. Global coverage with a single integration.
- Zero chargebacks
- Intelligent bank prediction
- Programmable treasury workflows
Trusted by global businesses
Shopify
WooCommerce
Tryp.com
TransferMate
SKUTopia
Manière De Voir
Shopify
WooCommerce
Tryp.com
TransferMate
SKUTopia
Manière De Voir
Global Coverage. One Integration.
How It Works
From intelligent checkout through to programmable routing and treasury.
Smart tax calculation. Automatic fund routing. Zero manual work.
Why Businesses Choose Quidkey
Infrastructure, not a fintech app. A category leader, not a feature.
Lower Fees
Pay less per transaction compared to cards and cross border payments.
Sell Globally
Sell to multiple jurisdictions, without operational complexities
Money Automation
Automatically split money, handle tax, and send payouts.
Better CashFlow
Get paid faster without long settlement delays.
Three layers. One platform.
Quidkey unifies payment collection, intelligent routing, and programmable treasury into a single AI-native clearing stack.
Payment Intelligence
AI bank prediction + risk decisions that improve with every transaction. Win checkout conversion while cutting costs versus cards.
Clearing & Routing
A global clearing layer that orchestrates regulated partners to collect, clear, and route funds into the right accounts automatically.
Programmable Treasury
Plain English intent becomes deterministic execution. Automate tax holds, FX, splits, and payouts without building a finance ops team.
Quidkey does not hold funds or act as a bank. We orchestrate regulated partners and own the intelligence, workflow logic, and clearing orchestration layer.
Write simple rules for how your money moves.
Describe how your money should move in plain English. Quidkey handles it automatically.
Tax is automatically calculated and saved in separate tax accounts.
Manage refunds by jurisdiction. Hold 10% for refunds, and release the rest to the business account.
A marketplace splits payments to sellers, and holds a platform fee.
Built for global businesses.
US-first pay by bank, global clearing, and programmable treasury designed for CFO outcomes.
Cross-border commerce selling into the US
Accept US pay by bank while staying seller-of-record. Cut fees, reduce chargebacks, and automate tax holds, splits, and settlements.
Global SaaS subscriptions
Avoid MoR take rates. Collect recurring payments via bank transfer and automate multi-jurisdiction tax, FX, and payouts.
Platforms & Marketplaces
Programmable escrow and multi-party payouts. Real-time splits with dispute holds. Reconciliation that your finance team can actually trust.
Built for developers.
Modern APIs designed for the way you work. From prototype to production in days, not months.
Single API
One integration for pay by bank, clearing, and programmable treasury, US-first with global coverage.
Webhooks & Events
Real-time notifications for every payment, split, and settlement. Build reactive workflows.
Enterprise-grade
SOC 2 compliant. Deterministic execution with full audit trails. Zero ambiguity.
const payment = await quidkey.payments.create({
amount: 9999,
currency: 'USD',
customer: {
email: 'customer@example.com'
},
workflow: {
// Plain English treasury rules
rules: [
'Hold US sales tax by jurisdiction',
'Split 80/20 with partner',
'Convert remainder to USD'
]
}
});
// Redirect to hosted checkout
redirect(payment.checkout_url);Ready to see Quidkey in action?
Get a US-first pay by bank checkout, plus a global clearing layer and programmable treasury, without giving up seller-of-record control.