OOviaPay
Merchant of record for software

You keep the product.
We become the seller on record.

Checkout, subscriptions, payouts, and the tax paperwork that shows up when you sell across borders — one merchant on every receipt, so your team ships product instead of payments infrastructure.

New sale

$480.00

kai@launchpad.dev

Balance — example account

Available$12,480.00
Pending$3,140.00
Reserve$920.00

Illustrative — derived live from the ledger on every real account.

Why teams choose OviaPay

Fewer moving parts between a sale and money you can plan around.

A ledger you can actually audit

Every payment posts a balanced, append-only ledger entry. Available, pending, and reserve balances are always derived live — never a cached number finance has to take on faith.

Checkout that feels like yours

A hosted checkout page for every product, styled to convert — built to support cards first, with more local rails as we add them. One integration, however you add markets.

Payouts on a schedule you can plan

Reserve holds and release timing are policy, not a mystery. You always know what's available today and what's still clearing.

Built for developers from day one

Secret API keys, signed outbound webhooks with automatic retry, and idempotent mutations — the primitives a real integration needs.

The product

Built for how software companies actually sell.

Hosted checkout links

Every product gets a hosted checkout page at its own slug — share it in an email, a pricing page, or a sales deck. No storefront rebuild required.

Invoice #1842

pay.link/i/1842

$186.00Pay now
Billing

Subscriptions & dunning

Trials, renewals, and past-due retries in one billing engine — status changes are visible the moment they happen.

Checkout as an API

Drive checkout from your own backend with a secret key.

POST /v1/checkout-sessions

{ amount: 18600 }

→ 201 created

Balance, reserves & payouts

Three distinct, independently auditable balances — request a payout when you're ready.

AvailablePendingReserve
Platform

API keys, webhooks & team access

Scoped secret keys, signed outbound webhooks, and role-based team invites.

Who it's for

Built around how software companies go to market.

SaaS & digital products

Run one-time purchases and subscriptions through a checkout that feels like part of your product, not a redirect to somewhere else.

Agencies & consultants

Send a payment link, keep the books clean, and give clients a pay experience that matches the rest of your work.

Marketplaces & platforms

When money needs to move between buyers and sellers, one merchant of record on the receipt keeps the record straight for everyone.

From signup to live

Three steps to taking live volume.

1

Create your account

Sign up with your company's legal details. Your dashboard is live immediately — start building your catalog while compliance review runs in the background.

2

Set up your catalog

Add products and prices, generate hosted checkout links, and configure API keys or webhooks if you're integrating directly.

3

Go live

Once your account is approved and payment processing is enabled on the platform, checkout goes live and payouts unlock — same dashboard, same API, from your first sale onward.

FAQ

Questions finance and product ask first.

What does "Merchant of Record" actually mean?+

We become the seller on every transaction — the entity on the receipt, the one responsible for payment processing, fraud liability, and the tax paperwork a cross-border sale creates. You keep your product and your customer relationship.

How is this priced?+

A transparent platform fee plus the processor's own rate, taken out of each payment before it's credited to your balance — visible on every transaction, never a separate invoice you have to reconcile by hand.

What happens while my account is under review?+

You can build your full catalog — products, prices, coupons — right away. Live checkout and payouts unlock once compliance approves your account and payment processing is enabled on the platform.

Can I use my own checkout, or does it have to be hosted?+

Both. Use our hosted checkout link as-is, or drive the same checkout session creation from your own backend with a secret API key if you want more control over the surrounding page.

Put a merchant of record behind every sale.

Create an account and start building your catalog today — live checkout unlocks once your account is approved and payment processing is enabled on the platform.

Get started