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Payments that compound.

Scoby Pay is one billing layer on top of Asaas, Stripe, and Adyen — built for teams whose recurring revenue has to keep up with the rest of the world. Invoice in any currency, route to the right processor, retry intelligently, settle to one ledger.

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One layer · three rails · zero lock-in
Asaas Stripe Adyen
How it works

A culture you can grow.

Every charge feeds the next. Scoby routes, retries, and reconciles across processors — so your revenue compounds in one place instead of fragmenting across three.

01

Seed

Connect Asaas, Stripe, and Adyen in one screen. Customers, plans, and renewal dates sync within minutes.

2 minutes to first invoice
02

Ferment

Send invoices and subscriptions from Scoby. We pick the best processor per charge and retry on the runner-up when one declines.

Median +6.4% capture rate
03

Compound

One ledger, one tax report, one MRR number — even when settlement is split across three rails and four currencies.

Live reconciliation, 24h cap
The product

One number. Three rails.

Scoby Pay is a dashboard, a billing engine, and a router. Your team sees a single MRR. Underneath, every charge is settled on the processor most likely to capture it.

app.scoby.com / dashboard
Total volume
$24,580,890
+16.6% MoM
Successful payments
98.7%
+1.2%
Net revenue
$21,430,109
+15.4%
Common questions

Plumbing, explained.

Are you a payment processor?

No. Scoby Pay is a layer above the processors you already use. Funds settle directly from Asaas, Stripe, and Adyen to your accounts — we orchestrate, retry, and reconcile across them.

Why three processors instead of one?

Because no single processor wins everywhere. Asaas captures more in Brazil. Stripe is best for cross-border cards. Adyen handles enterprise EU. Scoby picks per charge so your global capture rate compounds.

What happens to my existing customers?

They keep their current cards, subscriptions, and renewal dates. Scoby reads them from each processor on connect — nothing to migrate.

How do you price?

A flat platform fee on processed volume, on top of whatever the underlying processor charges. No markup on declines, no per-seat charge for finance teams.

Ready to compound?

Join design partners processing $500K+ MRR across multiple processors.

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