Payments, built in
Accept cards from day one — no separate merchant account to wrangle. As you grow, your rate drops. Or bring your own gateway; CIQRA Pay is optional, never locked in.
Payouts next to the numbers that drive them
Your CIQRA Pay balance and settlement live in the same admin — click through the real dashboard and orders.
Your whole store at a glance — revenue, what needs you, and your CIQRA Pay balance.
A complete payments stack, not just a checkout button
Provider-agnostic
One payment API. Turn on CIQRA Pay, bring your own gateway, or run both — no lock-in.
CIQRA Pay
Stripe Connect Express with direct charge and platform fee, white-labelled to your store.
Ledger & settlement
Idempotent, webhook-replay-safe accounting so every cent reconciles.
3DS / SCA
Strong Customer Authentication handled for you, validated live against real cards.
Refunds & reversals
Full and partial refunds with fee reversal and money-hardened guards.
Multi-currency charge
Charge in the shopper's currency with an FX snapshot captured on the order.
Gift cards
Stored-value tender issued, redeemed and partially spent on the same ledger.
PCI DSS SAQ A
Card data is tokenised by the processor and never touches CIQRA servers.
Rates that fall as you scale
Per-transaction pricing by plan (EEA domestic cards). Illustrative until launch.
Illustrative pricing — final plans and fees confirmed before launch.
Payments questions, answered
Start building on CIQRA
Spin up a store in minutes. Bring your own gateway or turn on CIQRA Pay — your data stays in the EU.