A gateway you don't have to apply for, host or certify
The usual route to accepting payments is four separate relationships — a gateway, a merchant account, a tax engine and a fraud tool — each with its own contract, integration and failure mode. This is those four collapsed into one, and we host the part that touches a card.
What we run so you don't
- The payment page itself
- Card entry happens on a page we serve and certify. It is never rendered by your application, so the card data never reaches anything you operate.
- The merchant account
- We hold the master account and you own a connected sub-account beneath it. There is no separate acquiring application to be underwritten for before you can sell.
- Fraud screening
- Transactions are screened before they settle, and chargebacks come to us as the seller of record rather than being deducted from an account of yours.
- Tax calculation and filing
- The rate for the buyer's country is applied at checkout, then remitted and filed under our registrations — the piece a plain gateway leaves entirely to you.
- Uptime and updates
- New payment methods, security patches and conversion improvements land on the hosted surface. There is no version of this you are running behind on.
- Payouts to your own account
- Net revenue settles to the payout account you connected, daily by default, in over 110 supported countries.
What setting it up involves
- 01
Create a workspace
No upfront payment, no card, and no underwriting queue to sit in before you can build. The store builder even works before you sign up.
- 02
Connect a payout account
This is where your money goes. Identity and verification requirements apply here, at the point you want to be paid, rather than as a gate on getting started.
- 03
Point something at the checkout
A link, an HTML attribute on a button, or a call from the SDK. All three open the same hosted, certified payment surface.
- 04
Watch it in the dashboard
Orders, payments, refunds, subscriptions and payouts in one view, with webhooks and an API if you want the same data inside your own systems.
Hosted versus assembling it yourself
Self-hosting a payment page buys you an audit
The moment card details are entered on infrastructure you control, the compliance burden becomes yours to evidence. Keeping the payment surface on our side is what keeps that work off your roadmap permanently.
A gateway is not a tax service
Gateways move money. They do not register you in a jurisdiction, decide whether you owe VAT on a download sold into Ireland, or file a return. Being the Merchant of Record is what makes that our problem rather than yours.
Four vendors means four things that can break
Every integration between a gateway, a tax engine and a fraud tool is a seam. Seams are where reconciliation goes wrong, and reconciliation going wrong is expensive to discover late.
You pay when you get paid
No monthly platform fee, no gateway rental, no minimum. A flat 5% + 50¢ on successful transactions, and nothing in a month with no sales. Negotiable once you are selling at volume.
What sellers say once they have switched
★★★★★ 4.8/5 from 10 reviews on G2 →
Vadim Finayev “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.”
David Elliott “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.”
Elnura Abdimanap Kyzy “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.”
Francisco Magnone Rienzi “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.”
Hosted gateway questions
How money reaches you, and what happens on the way.
Skip the gateway application entirely
Create a workspace, build a checkout, and take a test payment through it today. Connect a payout account when you are ready for real money.