Visa & Mastercard · 3-D Secure · KZT / USD / EUR

Payments that work for you

One API and one dashboard: card payments, payment links, subscriptions, refunds and automatic payouts. From sign-up to your first payment in just a few steps.

Start for free View the API

No hidden fees
Sandbox from day one
Support on Telegram

portal.st-payup.com/app

30-day turnover₸18,420,500▲ 12.4%

Successful payments96.2%▲ 1.1%

Payout due₸4,118,900settles tomorrow

#4821	Visa •••• 4242	Paid	₸48,900
#4820	Mastercard •••• 1881	Paid	₸12,500
#4819	Visa •••• 0077	3-D Secure	$230

✓

Payment successful+ ₸120,000 · 2s ago

Payout · completed₸3,940,200

VisaMastercard3-D SecureKZT · USD · EURPayment linksSubscriptionsCard tokenizationWebhooksTest modeRefundsPayouts

3currencies: KZT, USD, EUR

7operation types: charge, hold, refund, void…

3acquiring channels with smart routing

1one API and one dashboard for everything

Features

Everything you need to accept and track payments

No need to stitch five services together: payments, links, payouts, KYC and reporting already work as one.

Cards with 3-D Secure

Visa and Mastercard with 3-D Secure authentication. Payment session, card data encryption and the result — in a single flow.

Payment links

Amount, currency, order reference and expiry — and the link is ready. Send it over messenger, SMS or email. No website needed.

Smart routing

Each payment goes through the right acquiring channel based on your terminal's setup — no changes to your code.

Subscriptions & saved cards

One subscription link: the customer agrees to recurring charges and pays the first time, the card is saved, and the rest runs by itself. A failed charge is retried, and customers cancel or change their card on their own page.

Hold, capture, refund

Authorization followed by capture, void and refund. Disputes with the issuing bank are handled right in the dashboard.

Payouts & settlement

Each period is calculated as turnover − fees = payout. Status: pending → processing → completed.

Statements & analytics

Search by order reference, e-mail, card or payment ID, filters by status and currency, CSV export — no manual spreadsheets.

Stores, keys, team

Multiple stores, API keys with expiry dates, staff roles (administrator, accountant, developer), two-factor sign-in and a change log.

How a payment flows

From tapping "Pay" to money in your account

Every step is secured and tracked. All that's left for you is the status and the payout.

1Payment session
We create a session and issue a public key for encryption.
2Card encryption
Card data is encrypted with RSA + AES; your server never sees it.
3Routing
The payment is sent to the right acquiring channel.
43-D Secure
If required, the customer confirms the payment with their issuing bank.
5Result
The transaction is stored; its status is available via the API and statements.
6Payout
The period is calculated, fees are deducted, and the money is sent to you.

For your customer

A checkout no one abandons

Your customer opens your link and lands on a clear payment page — on phone or desktop, no account required, no extra steps.

Amount, description and order reference are shown before paying
3-D Secure confirmation with the issuing bank
After paying, the customer returns to your success or failure page
Card data is encrypted and never touches your server
A card can be saved, so the next payment takes one click

Try it yourself. This is a demo — no data is sent anywhere.

"Python PRO" Online SchoolOrder order_12345

Amount due₸48,900

Card number

Expiry CVC

Protected by 3-D Secure and encryption

Dashboard

Your whole business on one screen

The merchant dashboard shows what matters: payments, links, payouts and access keys.

Every transaction under control

Search by order, e-mail, card or payment ID
Filters by date, status and currency
Refunds and CSV export

Try it

Order	Card	Status	Amount
#4821	Visa •••• 4242	Paid	₸48,900
#4820	MC •••• 1881	Paid	₸12,500
#4819	Visa •••• 0077	3-D Secure	$230
#4818	MC •••• 5510	Refunded	₸9,900
#4817	Visa •••• 2290	Declined	₸75,000

Launch

Onboarding is a checklist, not an email thread

The sign-up wizard and the dashboard's launch checklist walk you through each step and tick off what's done automatically. Our team reviews the documents (KYC).

Create your company

Launch checklist5 of 6

Create your companyUser, company, account and store — created in one request
Confirm your emailConfirmation code sent to the admin's email
Pass KYCBusiness profile and documents, reviewed by our team
Issue API keysKeys scoped to your store
Create a payment linkYour first real payment without any integration
Get your first payoutPeriod settled and transferred to your account

For developers

An API that reads clearly on the first try

REST + JSON, authenticated with a key. A full OpenAPI spec, a Postman collection and a reference built into the dashboard — integrate in days, not months.

Create, retrieve, update and cancel payment links
Subscriptions: create, pause, cancel and charge by hand
OpenAPI specification and Postman collection
Webhooks signed with HMAC-SHA256 and retried
Test mode: separate keys and test cards

Get an API key

# Create a payment link
curl -X POST https://api.st-payup.com/v1/payment-links \
  -H "x-api-key: $ST_PAYUP_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 150.75,
    "currency": "USD",
    "orderReference": "order_12345",
    "terminalId": "f6f0b462-570f-4027-b9b3-d345efca67c8",
    "description": "Premium T-Shirt"
  }'// Create a payment link
const res = await fetch("https://api.st-payup.com/v1/payment-links", {
  method: "POST",
  headers: {
    "x-api-key": process.env.ST_PAYUP_KEY,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    amount: 150.75,
    currency: "USD",
    orderReference: "order_12345",
    terminalId: "f6f0b462-570f-4027-b9b3-d345efca67c8",
    description: "Premium T-Shirt",
  }),
});
const link = await res.json(); // 201 Created

201 Created{ "id": "2d120e98-…", "amount": 150.75, "currency": "USD", "status": "…" }

Solutions

Built around your business model

E-commerce

Online stores

Card payments with 3-D Secure, refunds from the dashboard, and reconciliation by order reference.

EdTech

Online schools

Course payments via a link, saved cards, and automatic renewal charges for subscriptions.

SaaS

Subscription services

Subscriptions with automatic charging and retries, a self-service page for customers, statements for tracking MRR.

Platforms

Marketplaces & services

Multiple stores and staff, separate keys and reporting for each location.

Pricing

Transparent terms. No hidden fees

Your final rate depends on turnover and vertical — we'll work it out on a single call.

Starter

For small stores and sole proprietors

from 2.5%

Payment links
Visa and Mastercard, 3-D Secure
Dashboard and statements
Scheduled payouts

Choose

Business

For growing e-commerce and SaaS

from 1.8%

Everything in Starter
API and webhooks
Subscriptions and saved cards
Multiple stores, a team with roles

Choose

Enterprise

For high volumes and platforms

Custom

Personalized rates
Custom routing setup
A dedicated account manager
Custom integrations

Estimate your payout

Move the slider — we'll show the fee and the amount you'd receive.

Monthly turnover ₸10,000,000

Turnover₸10,000,000

Fee 2.5%− ₸250,000

Payout₸9,750,000

This is an estimate: final rates depend on turnover and vertical.

* Rates shown are indicative and not a binding offer.

Reliability

Security is built into the architecture

Card data never passes through your server and is never stored in plain text.

RSA + AES encryptionThe card is encrypted with the session's public key; it's decrypted only inside the key service.
3-D SecureConfirming the payment with the issuing bank lowers the risk of fraud.
Card tokenizationRepeat charges use tokens, never the card number itself.
KYC, roles & change logYour business is reviewed by our team; staff have roles, two-factor sign-in and a change log.

FAQ

Frequently asked questions

How quickly can I start accepting payments?

Registration takes a few minutes: one request creates your company, account and first store. Then — email confirmation, a KYC review by our team, and API keys are issued. After that you can create payment links right away.

Which cards and currencies are supported?

Visa and Mastercard bank cards with 3-D Secure. Currencies: KZT, USD, EUR. The exact list is confirmed when you connect.

Do I need a website to accept payments?

No. Payment links let you accept payments through messengers, social media and email — no website or development needed.

How do I get paid?

The platform calculates each period as "turnover − fees = payout." The payout status moves through pending → processing → completed, and the history is visible in the dashboard.

Can I issue refunds and run subscriptions?

Yes. Authorization followed by capture, void and refund are supported. Subscriptions are charged automatically: a failed charge is retried, and customers can cancel or replace their card on their own page.

Is card data safe?

Card data is encrypted (RSA + AES) with the payment session's public key and decrypted only inside a protected key service. Repeat charges use tokens.

How do subscriptions work?

You create a link marked as a subscription with a period: daily, weekly or monthly. The customer agrees to recurring charges and pays the first time, the card is saved, and later charges run by themselves. Customers get e-mails and a page where they can cancel or change their card.

Can I try it without real money?

Yes. The dashboard has a test mode: a separate copy of your store with its own keys and test cards. No money is charged.

How does my server learn about a payment?

Set a webhook address: we send a signed notification (HMAC-SHA256) and retry if your server does not answer. The delivery history is visible in the dashboard.

Can I give access to an accountant or a developer?

Yes. Roles: administrator, accountant (view only), developer (keys and links, no finance). Sign-in can be protected with a second factor, and every change goes into the log.

Start accepting payments this month

Sign up and work through the checklist yourself — or leave your contact details and a manager will help you get connected.

Create your company →