C
Cloubay
Free consult →
Cross-border payments · 4 channels onboarded + integrated + managed

Incorporation is the start —
the first USD payment is the finish line.
We run Stripe / Paddle to live for you.

We do every grimy task between 'company registered' and 'first USD in the bank': KYC docs, platform review, banking, webhooks, Connect sub-merchants, refunds, risk rules, monthly recon. Stripe / Paddle / Lemon Squeezy / PayPal — pick by business model, we get it live. From ¥3,888 one-time setup.

Start onboardingSee channel comparison
No overseas entity yet? /incorporation Pro bundles Stripe onboarding (30% off). /incorporation →
Pick a channel

4 options · pick by business model, not by brand

There's no 'best' channel — only 'best for this specific business'. Most SaaS picks Stripe; indie devs start on Lemon Squeezy; physical-goods stores often run PayPal + Stripe in parallel. Our job is to pick + ship.

★ 主推

Stripe

Standard pick · SaaS / digital goods
Rate
2.9% + $0.30
Settlement
T+2 ~ T+7 to bank
Prerequisites
US/UK/HK entity + EIN/VAT + bank account
Widest global coverage (40+ local payment methods)
Industry-standard API: Webhook / Connect / Radar
Most rigorous refund / Dispute pipeline
Subscriptions, metered, tiered usage all native
Restricted categories (adult / crypto / regulated) get frozen
Billing model must be defined; Dunning config required
Persistent China-mainland IP triggers extra verification

Paddle

Merchant of Record · global tax inclusive
Rate
5% + $0.50
Settlement
Net to bank, monthly
Prerequisites
No company required (Paddle is the seller)
Global tax / compliance / support all bundled (MoR model)
Refund arbitration handled by Paddle, not you
Best for EU customers (VAT auto-handled)
Subscriptions, one-time, upgrade / downgrade all supported
Highest fees (~7.5% effective)
Limited brand presence — checkout shows Paddle.net
Digital goods / SaaS only — no physical products

Lemon Squeezy

MoR · indie-dev friendly
Rate
5% + $0.50
Settlement
Monthly to Wise / bank
Prerequisites
No company required
Live in 15 minutes, easiest docs
Subscriptions / one-time / pay-what-you-want
Affiliate program built-in
Acquired by Stripe — long-term stable
Same fees as Paddle (~7.5% effective)
Weak enterprise SLA / support
Webhook retry less reliable than Stripe

PayPal Business

Physical goods / consumer-trusted
Rate
3.4% + fixed fee
Settlement
Balance instant, withdraw T+1 ~ T+3
Prerequisites
Personal or business account
Highest consumer trust globally
Mainstream for physical / cross-border goods
Express Checkout converts well
Multi-currency wallet
Aggressive fraud filters — 180-day freezes happen
Disputes biased toward buyers, sellers struggle
Not a long-term home for SaaS / subscriptions
Business accounts need extra KYC
What we do

8 jobs · the entire onboarding pipeline

You give us a business description + KYC docs. We deliver a working payment system. Every approval / debug / risk-response in between is our problem, not yours.

01

Channel onboarding

Prep KYC docs (entity papers, ID, business description) → submit → handle platform risk review (Stripe avg 3-7 days, Paddle 1-3 days). 92% first-pass approval rate.

02

Banking integration

Wise Business / Mercury / brick-and-mortar bank account onboarding for settlement. Bundle with /incorporation for end-to-end.

03

Webhook integration

Order succeeded / failed / refunded / subscription created / renewal failed / cancelled — full event integration with signature verification, retry, idempotent dedup.

04

Connect sub-merchants

Platform-style businesses (Marketplaces / SaaS-for-SaaS / multi-tutor course platforms) need split payouts. Stripe Connect Express / Custom — both flavors handled, commission auto-settled.

05

Refund / Dispute SOP

Chargeback templates + auto-evidence (order screenshots, IP, UA, login logs) + arbitration email templates. Dispute win-rate goes from industry-avg 30% to ~60%.

06

Monthly reconciliation

Stripe Balance / your bank / your business system — 3-way auto-recon with cross-currency + FX snapshot. Excel + PDF on the 1st. CFO-ready.

07

Risk rules

Stripe Radar config (BIN blacklist / country whitelist / rate limits / CVV-fail blocks). Full Managed tier reviews rules monthly.

08

Cross-border withdrawal

USD → your corporate / personal account. Wise / Western Union / SWIFT, you pick. FX 0.3-0.5% better than retail; large-amount (>$100k) supports rate-locked windows.

Three tiers

Setup · Integrate · Full Managed · pick the depth

Existing dev team · self-integrating

Setup

¥3,888/ one-time
  • 1 channel onboarded (Stripe / Paddle / LS / PayPal)
  • KYC prep + submission
  • Handle platform review + supplements
  • Test environment + first transaction
  • Promote to production
  • 30-day post-launch support
Pick Setup
★
Small teams · want fast to launch

Setup + Integrate

¥9,888/ one-time
  • Everything in Setup
  • Full webhook integration (orders / refunds / subs)
  • Connect sub-merchant (optional)
  • Refund / Dispute SOP templates
  • Initial Radar risk rules
  • Test coverage across 8 scenarios
  • 60-day post-launch support
Pick Integrate
Live · want pros to keep running it

Full Managed

¥1,980/ mo+
  • Everything in Integrate
  • Auto monthly recon + Excel/PDF
  • Monthly Radar rule review
  • Dispute arbitration full handling
  • Cross-border withdrawal (Wise / SWIFT)
  • 7×24 incident response
  • Quarterly cost review
Talk to sales

Integrate / Managed bundled with /incorporation Pro: 30% off the package.

How to start

5 steps · 14 days to live (avg)

  1. 1
    Step 1

    Consult + pick channel

    30-min video call: business model, customer geography, projected MRR, compliance needs. Channel recommendation + timeline on the same call.

  2. 2
    Step 2

    KYC prep

    Provide entity papers, ID, business description, website compliance review. We write your English business description, lifting first-pass approval from 60% to 92%. 3-5 days.

  3. 3
    Step 3

    Submit + handle review

    Submit application. Review takes Stripe 3-7 days, Paddle / LS 1-3 days, PayPal 5-10 days. We handle every clarification request — you only sign at the final step.

  4. 4
    Step 4

    Webhook + integration

    Test environment debug → first order + refund + subscription renewal end-to-end → cut to production. Code delivered as private GitHub repo with detailed comments.

  5. 5
    Step 5

    Run in production

    Full Managed clients hit 7×24 channel. 1st of each month: recon + Radar review + Dispute report. 30-min response.

Client scenarios

3 businesses · 3 channel decisions

Cross-border SaaS

$500K-ARR developer-tools company

Stripe + Connect

5-person dev team building a tool for overseas devs. We delivered Stripe onboarding (2 weeks) + Connect Express sub-merchant (mentor accounts under enterprise) + Radar fraud rules. MRR went $8K → $22K in 3 months.

→ First USD revenue in month 1
DTC / cross-border e-commerce

Crafts brand at $40K/mo

Lemon Squeezy → Stripe

Started DTC on Lemon Squeezy (15-min setup, 0 tax burden). At $80K/mo migrated to Stripe (effective rate 7.5% → 3.5%, saving ~$40K/yr in fees). Migration was zero order-loss.

→ 53% rate reduction
Freelance / cross-border consult

1-person design studio for EU/US clients

Paddle

Solo designer with EU and US clients. Paddle handles VAT auto-magic and refund arbitration; she only sees net monthly income. From kick-off to first deposit: 5 business days.

→ 0 compliance burden
FAQ

What you might want to ask

I don't have an overseas entity. Can I still take payments?+

Yes, with constraints. MoR channels (Paddle / Lemon Squeezy) don't need an entity — they sell on your behalf, but charge ~7.5% effective. Stripe / PayPal Business need overseas entity + bank. Recommendation: start on MoR, switch to Stripe after $10K/mo. We also offer /incorporation as a bundle.

Stripe or Paddle?+

Three filters: ① projected MRR (< $10K → Paddle; > $50K → must be Stripe) ② customer geography (EU-heavy → Paddle for VAT; US-heavy → Stripe) ③ business model (pure SaaS works on either; physical goods → Stripe; multi-tenant payouts → Stripe Connect). The intro call walks you through the math.

How long does onboarding take?+

Stripe: 3-7 days review + 1-2 weeks doc prep = 3-4 weeks. Paddle / Lemon Squeezy: 1-3 days review + 3-5 days prep = 1-2 weeks. PayPal Business: 5-10 days review. Average 14 days to first paid transaction.

What if my account gets frozen?+

Stripe freezes split into two: ① new-account review hold (common, supplementary docs unfreeze in 5-10 days) ② Radar misfire / high Dispute rate / chargeback complaints (severe, requires negotiation). Full Managed clients get incident response — < 5% freeze rate over 3 months, 80% unfreeze success.

Discount for /incorporation + /merchant together?+

Yes. /incorporation Pro (US LLC + EIN + US address + US bank) + /merchant Setup + Integrate together: 30% off the bundle (¥18K → ¥12.6K). Stripe + bank onboard concurrently, saving 1-2 weeks.

How are SaaS subscription cancellations handled?+

Webhook subscribes to customer.subscription.deleted / payment_failed events with Dunning (3 retry attempts + email reminder). For passive churn (expired cards) we configure SCA (EU strong customer auth), reducing involuntary churn by ~40%.

When do I need Connect sub-merchants?+

Three typical cases: ① Marketplaces (Etsy / Substack-style — platform commission + seller payouts) ② SaaS-for-SaaS (your customers also charge end-users, you take a commission) ③ Multi-tenant platforms (online education — teachers collect, platform takes a cut). Stripe Connect Express (simple) / Custom (custom-tailored) — we've shipped both.

Can a wrongly-banned account be restored?+

Depends on timing and evidence. New-account bans are hardest. Accounts with 6+ months operation, Dispute rate < 0.5%, complaint rate < 1% — armed with a ticket + supplementary materials — average 5-15 days to restore. Full Managed clients see ~80% unfreeze success rate, working directly with Stripe Disputes.

Are there forex restrictions on cross-border settlement?+

Personal: $50K/yr conversion quota. Corporate: under trade-services-export, no upper cap, but requires contracts / invoices / customs declarations. We provide complete receipt documentation; for large amounts (>$100K), Wise + SWIFT combo is most compliant + best FX.

Can you handle Asia-Pacific (JP/KR) local channels?+

Yes. Japan (Komoju / Stripe JP), Korea (KakaoPay / TossPay), SEA (GrabPay / GoPay / 2C2P) — we've integrated all of them. APAC channels have varying compliance requirements; quoted separately, typically 50-100% above Setup + Integrate.

Take Stripe onboarding from a 6-week drag to a 14-day launch.

You write the business description; we run every grimy task in between. Setup from ¥3,888. Full Managed from ¥1,980/mo. /incorporation Pro bundle: 30% off.

Start onboardingSee other services