Sell the whole bundle on one invoice
Invoice seats, traffic, and add-ons as one USDC bill on your own domain — makers worldwide pay even when their card gets declined — and a paid invoice can't be reversed.
Where no-code platform billing breaks for the maker and the platform
Why does stacked no-code pricing need a custom checkout?
Four ways card-rail billing breaks the no-code platform model.
Stacked pricing breaks card-billing UX assumptions
A no-code plan stacks a base tier, a traffic tier, per-collaborator charges, and metered items on top. A card-billing invoice UI was built for one plan and one quantity — the bundled-pricing rendering is bad enough that the biggest no-code platforms stopped using hosted card checkout and built their own. Every no-code platform on the card rail pays the same UX tax.
Makers in fast-growing markets hit high decline rates at the card step
No-code tools are popular in markets like India and Indonesia, where cross-border SaaS subscriptions get flagged as fraud-adjacent and a large share of card attempts decline. The issuer flags the foreign merchant, the bank reissues the card number, and the maker gives up and moves to a competitor. The platform never sees the conversion, even though the maker did fill out the form.
Viral-launch surge billing eats the platform's margin, not the rail's
A launch on a major channel can push a site to a sudden traffic spike, and the plan jumps several times over on the surge invoice. A recurring-billing add-on takes its cut on the bigger number plus the percentage processing, and the platform can't discount the surge to soften the maker's invoice — the rail takes a percentage of a percentage. Surge bills hit hard, and refund tickets from "I didn't expect this" eat the rest.
A per-account fee kills agency rollups
Workspaces and multi-app accounts let agencies and freelancers consolidate dozens of client sites under one roof. The natural move is to bill each client through a marketplace-payments connected account — except that setup charges a monthly fee per active account just for existing, before any transaction fees. A freelancer managing dozens of client sites pays a real monthly bill in account fees alone. That's a tax on the platform's stickiest segment.
How one composite invoice fixes no-code billing
What changes when the bundle settles as one stablecoin payment?
Four things that go right when no-code billing leaves the card rail.
One composite invoice, multiple line items, one settlement
Your invoice breaks out the lines clearly — base plan, traffic overage, collaborators — and settles as one Paymos payment. No per-line processing charge, no fixed fee multiplied by line count, no bundled-pricing rendering hack. The maker sees what they're paying for, you keep the brand on your own domain, and the payment credits your Paymos balance final on confirmation.
Makers in any market pay in stablecoins — bypassing the issuer entirely
A maker in Jakarta, Bangalore, or São Paulo pays the plan in stablecoins from their own wallet. There's no local card to decline, no issuer routing handoff, no currency conversion eating into the price. The wallet UX is faster than entering a card number for a maker already holding stablecoins, the payment confirms in seconds and credits your Paymos balance, and no processor can freeze you for serving the region.
Surge invoices settle at the same rate — the platform keeps the spike margin
A viral-spike invoice settles at the same rate as the base month — no surcharge on the bigger number. The platform can either keep that margin or pass it back as a smoother surge-pricing decision — both off the table when the rail takes a fixed cut of the spike. Across many customers hitting surge in a viral-cycle month, that's real platform margin, and each settled invoice is final.
Many client sites on one aggregate invoice, not many accounts
A freelancer's workspace pays one consolidated invoice for dozens of client sites combined. The platform never spins up a connected account per site at a monthly fee each — that saving is the agency's, the platform's, or split. The freelancer distributes per-site billing to their own clients through whatever system they already run; Paymos handles the platform-to-agency leg cleanly, with the payment final on confirmation.
How no-code platforms wire Paymos in
Which integration fits how you bill makers?
Three ways to collect maker plans and agency rollups in stablecoins.
Host-to-host API — the maker's full stack billed as one invoice
Your engine computes the stacked total each period. The host-to-host API lets you post it as one invoice with each component as a line item, hand it to the maker's wallet, and watch settlement across the networks they hold funds on. Confirmation triggers an HMAC-SHA256-signed webhook, so each maker's invoice closes in your books the moment funds land. Your pricing logic stays where it is; Paymos handles the settlement leg.
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Hosted Checkout — self-serve plans on your own domain
For self-serve plans, create a Paymos invoice for the period total and redirect the maker to a hosted page on your own domain, where they pay from their wallet and return. No payment screen to build, the brand stays yours, and makers in markets where cards fail don't hit the decline wall.
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Payment Links — agency rollups and enterprise plans
For an agency rollup or enterprise plan, generate a Payment Link for the rollup total with your PO or contract reference attached as the order reference — the per-site or per-seat breakdown stays in the invoice your own system issues. The agency pays from one wallet, your receivable closes on confirmation, and the agency distributes billing to its own clients — no per-account fee, no marketplace connected accounts to maintain.
See detailsNo-code billing flows on stablecoins today
Which no-code models run cleanly on a wallet rail?
Four flows from real no-code setups — website builders, app builders, workflow automation, database builders.
Visual website builders — stacked plan invoices
The classic stacked invoice: a base tier plus a traffic tier plus collaborator slots plus metered items. Paymos settles the composite as one payment, the maker sees clean line items, and the platform keeps the brand on its own domain. The payment confirms in seconds and credits your Paymos balance, final the moment it clears.
App builders — workload metering on top of seats
App-builder pricing layers workload metering on top of seats, often three to four metered dimensions on one invoice. Each period your meter computes the total and issues one invoice through Paymos that the maker pays from their wallet — no per-cycle re-authentication step, no card to replace at reissue time. A paid period is final.
Workflow automation — task and execution metering
Workflow-automation platforms meter on tasks, operations, or executions. The engine totals them per cycle and your engine issues the invoice through Paymos, which the maker pays from their wallet. The big change: a failed renewal stops being a "card declined" mystery and becomes an "invoice unpaid" reminder the maker can act on directly from the payment page.
Database builders — seats plus records and automation runs
Database-builder pricing combines per-user seats with record counts and automation runs. A multi-seat team with a large record count and automations runs a composite invoice, and Paymos settles the lot as one payment that credits your Paymos balance on confirmation — final, with no per-line fixed fee stacking across the metered dimensions.
No-code builders on stablecoins
Frequently asked questions
How does a stacked composite invoice render and settle on-chain?
How do makers in card-restricted markets pay?
Does Paymos run marketplace splits and per-site payouts for agencies?
Which networks and stablecoins fit small plans versus agency rollups?
Can we keep cards for some makers and stablecoins for others?
How do refunds work for a surge a maker didn't expect?
Honest disqualifier
When NOT to use Paymos for no-code builders
Four setups where the wallet rail isn't the upgrade.
You need each client site to pay and get paid automatically
Connected-account products exist for a reason: they split a client's payment, hold balances, and pay sub-accounts on schedule. Paymos does none of that — it settles one inbound invoice to one treasury and stops. If your agencies expect per-client billing with automatic payouts baked into the platform, keep the marketplace stack for that flow and use Paymos only where the money is platform revenue, not pass-through.
Your plans renew themselves and makers never think about billing
That invisibility is the product of a saved card, and Paymos can't reproduce it — a wallet payment is always an action the maker takes, because nothing can pull from their wallet. Forcing a monthly manual payment on a $16 plan trades a small fee for visible churn. The wallet rail belongs where makers already expect to act: annual plans, agency rollups, surge invoices, and markets where the card was never going to clear.
A merchant of record currently carries your tax and compliance
If you sell through a merchant-of-record that acts as the legal seller, handles VAT in every market, and absorbs the regulatory surface, moving to Paymos makes you the seller of record again — with everything that brings back. For a platform with finance ops, that trade frees real margin; for a two-person team it can mean a bad week every quarter. Price the compliance work honestly before you move.
Hobby makers won't fund a wallet to pay $12
Someone building their first site on a free tier upgrades on impulse with whatever card is in their pocket. Putting a wallet step in front of that impulse kills it. Surface stablecoins for returning, international, and agency makers — the ones who recognise the option as a relief — and let the impulse upgrade stay one card tap.
Related flows
Other SaaS & Digital Products sub-niches on Paymos
Pricing
1.0% per settled invoice. Across seats, traffic, and add-ons
Same rate for the self-serve seat and the viral-surge invoice, at any size. High-volume tier at 0.3% on request. Card billing runs about 3% all-in, and a marketplace-payments setup adds a monthly fee per connected account on top — even for client sites that never transact.
See pricing