payment.completed
$ 1,847.00 captured
terminal.connected
tip 22%
payout.initiated
webhook delivered → 200
v2 — Now processor-agnostic

The payments infrastructure built for orbit.

One unified platform for online checkouts, in-person POS, marketplaces, and developer APIs — engineered to be processor-agnostic from day one.

Start accepting payments Read the docs
Trusted by businesses across the spectrum
NEXO BARBERS HOME TRENDS ATLAS COMMERCE ORBIT GROCERY RUNWAY MARKET STELLAR FOOD CO
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Mission · Est. 2024

Most payment platforms make you choose: power for engineers, or simplicity for shopkeepers. We refuse the trade-off.

PlutoPay is one infrastructure with two front doors. Enterprises plug in via REST, webhooks, and SDKs. Shop owners log into a dashboard that just works. Both run on the same multi-tenant core, the same event bus, the same vault — and neither is locked to a single processor.

01

Processor-agnostic

Stripe today, Adyen tomorrow, your own acquirer the day after. The adapter layer means switching processors is a config flip, not a rewrite.

02

API-first, dashboard-equal

Every action in the dashboard is a public API call. No hidden endpoints, no second-class citizens. What we ship for ourselves, we ship for you.

03

Event-driven core

State changes emit signed events. Subscribe to the ones that matter. Retry the ones that miss. Audit the ones that succeed.

What ships in the box

A complete payments stack — no extra moons required.

See the full feature index
01
VISA
Mastercard
Pay
G Pay
AMEX
ACH

Online payments

Cards, Apple Pay, Google Pay, bank transfers, and shareable payment links — all from one charge endpoint.

02

In-person POS

Tap, chip, swipe, QR — smart tipping and offline queueing built-in.

03

Subscriptions

Recurring billing with proration, dunning, and revenue recovery.

Jan
$29
Feb
$29
Mar
$29
Apr
$29
May
$29
Jun
$29
04

Multi-currency

Accept in 135+, settle in your pocket. FX exposed transparently.

135+
USD
EUR
GBP
JPY
AED
SAR
CAD
AUD
05

Marketplaces & split payments

Connected accounts, application fees, instant transfers — built into core.

$100 $70 seller $27 partner $3 fee
06

Refunds & disputes

Full or partial. Reverse transfers automatic. Evidence flow built-in.

07

Idempotency

Every mutating endpoint accepts a key. No double charges, ever.

Idempotency-Key: ord_2810
TEST
LIVE
08

Sandbox parity

Test mode is production with a toggle — same API, same webhooks, same data shapes.

In-person · POS

The terminal that just captures correctly.

Tip-aware platform fees. Manual capture flow that updates application_fee_amount once the customer adds tip — so the math is right on the first try, not patched by reversals.

01

Pair in 60 seconds

Plug in the reader, scan the QR code, name the location.

02

Tip-aware capture

Updates fee on amount_capturable_updated webhook before capture.

03

Offline queue

Lost connectivity? Transactions queue locally and sync on reconnect.

04

Multi-location fleet

Group terminals by store, monitor battery and firmware in one pane.

NEXO BARBERS · POS ONLINE
PLUTOPAY · M2
Hardware · M2 Reader

Hold it. Tilt it. Read every angle.

Drag anywhere to rotate the device. The PlutoPay M2 — countertop-ready, handheld-light, tip-aware out of the box.

USB-C · fast charge
Receipt printer port
Speaker · mic array
Power · volume
5.5″ HD touchscreen
PCI · EMV · FCC · CE
NEXO BARBERS ● 4G
Tap, insert or swipe
$ 47.50
PLUTOPAY · M2
PlutoPay
MODEL M2 · FCC ID 2A8XJ-M2
PCI EMV FCC CE
Display
5.5″ HD touchscreen
Connectivity
Wi-Fi · 4G · Bluetooth
Battery
12h · USB-C fast charge
Accepts
Tap · Chip · Swipe · QR
Merchant Dashboard

Built for the people who ring up the order.

Today stats. Tips. Payouts. Refunds. Customizable widgets. The same dashboard that ran $1.2M in transactions this quarter — open in any browser.

dashboard.plutopayus.com / nexo-barbers
PlutoPay
WORKSPACE
Nexo Barbers
Rockford, IL
□Overview
▤Transactions
↓Payouts
▢Terminals
▦Reports
○Customers
↻Webhooks
⌘API keys
⚙Settings
Today · America/Chicago

Good morning, Marcus.

Today sales
$ 1,847.00
+12.4%
Today tips
$ 412.50
22.3% rate
Today total
$ 2,259.50
47 charges
Success rate
99.4%
1 declined
Revenue · last 14 days net of fees
Recent
VISA · 4242
● succeeded
$ 47.50
MC · 1881
● succeeded
$ 32.00
AMEX · 0005
● succeeded
$ 89.00
VISA · 7012
● refunded
$ 22.00
Developers · API

An API that earns the docs comparison.

REST. Versioned. Idempotent. Native SDKs in the languages you actually use. Sandbox parity so test mode never lies. Errors that read like English.

RESTful — /v1, /v2 versioning
SDKs: Node, Python, PHP, Go, Ruby (beta)
Idempotency keys on every mutation
Per-merchant rate limits with X-RateLimit headers
Test API keys with full sandbox parity
POST /v1/payments 

        
        

          

            200 OK
            ← 78 ms
            X-Request-Id: req_28ajx7
          

          
{
  "id": "pay_3aJ7bKx2pZqLm",
  "object": "payment",
  "amount": 4750,
  "currency": "usd",
  "status": "requires_capture",
  "processor": "stripe",
  "merchant": "merch_019c374b",
  "created": 1746115200
}

        

      

    

  







  

    

      

        Webhook Engine
        

          Real-time, signed, retried — never silent.
        

        

          Every state change emits an event. Subscribe to the ones you care about.
          HMAC-SHA256 signatures so you can verify authenticity. Exponential retries
          on failure. A UI to inspect, replay, and re-fire any delivery.
        

        

          

            
            Exponential backoff — 1m, 5m, 30m, 2h, 24h
          

          

            
            HMAC-SHA256 signing per merchant
          

          

            
            Replay protection via timestamp tolerance
          

          

            
            Manual retry from the dashboard
          

          

            
            Sample payloads + endpoint test from UI
          

        

      


      
      

        

          

            
            events.merchant_019c374b
          

          last 60s · live
        

        

      

    

  







  

    

      Two front doors, one engine
      
Built for both ends of the orbit.

    


    

      
      

        

          

            Pattern A
            For Enterprises
          

          
API integration

          

            Plug PlutoPay directly into your existing systems. Your backend talks to our API.
            Our webhooks talk back. Volume scales horizontally with you.
          

        

        

          

            

              External system
              

                

                REST
                ▶
              

              PlutoPay API
            

            

              External system
              

                

                Webhook
                ▶
              

              Event bus
            

          

          
    
            
  • REST API with versioning (/v1, /v2)
    • 
            
  • Native SDKs: Node, Python, PHP, Go
    • 
            
  • HMAC-signed webhooks with replay protection
    • 
            
  • Per-merchant rate limits with clear headers
    • 
            
  • Dedicated support engineering on Scale plans
    • 
          

        

      


      
      

        

          

            Pattern B
            For Small & Mid-size shops
          

          
Dashboard-only

          

            Open a browser. Pair a terminal. Take a payment. Everything you need for a
            single store or a 40-location chain — without writing a line of code.
          

        

        

          

            

              NEXO BARBERS · TODAY
              ● LIVE
            

            

              

                
Sales

                
$ 1,847

              

              

                
Tips

                
$ 412

              

              

                
Total

                
$ 2,259

              

            

            
              
                
                  
                  
                
              
              
              
              
              
              
              
              
              
              
              
              
              
              
            
          

          
    
            
  • POS terminal pairing in under 60 seconds
    • 
            
  • Tip configuration, smart receipts, refunds in two clicks
    • 
            
  • Daily summary email per merchant timezone
    • 
            
  • Role-based access: Owner, Admin, Operator, Viewer
    • 
            
  • CSV export and 5 built-in report types
    • 
          

        

      

    

  







  

    

      

        
99.99%

        
API uptime, last 12 months

      

      

        
< 80 ms

        
p50 charge latency, US-East

      

      

        
135+

        
currencies accepted

      

      

        
0

        
scheduled platform maintenance windows

      

    

  







  

  

    

      

        Security & Compliance
        

          Money infrastructure has to be paranoid by default.
        

        

          PCI-DSS scope minimization. Encryption at rest with envelope keys, in transit with
          TLS 1.3. Per-merchant secret namespaces. Idempotency on every mutation.
          Audit trail on every action.
        

        

          

            

              
            

            PCI-DSS scope reduction via tokenization vault
          

          

            

              
            

            AES-256 at rest, TLS 1.3 in transit, HSM-backed signing keys
          

          

            

              
            

            Per-merchant data isolation enforced at the schema layer
          

          

            

              
            

            Full audit log: every API call, every dashboard action
          

          

            

              
            

            SOC 2 Type II in progress · ISO 27001 roadmap 2026
          

        

      


      
      

        

        

          

          

          

          


          

            
              
              
            
          


          
PCI-DSS

          
TLS 1.3

          
AES-256

          
HMAC

        

      

    

  







  

    

      Customer signal
      
From the operators using PlutoPay every day.

    

    

      

        

        
“

        

          PlutoPay caught the tip math correctly on the first try. We used to write reversal scripts every Sunday night
          to fix Stripe's platform fees. Now our 3% fee comes off the right amount, from the right account. We sleep again.
        

        

          
NB

          

            
Nexo Barbers

            
Rockford, IL · POS + Dashboard

          

        

      


      

        

          

            We couldn't touch our checkout code. PlutoPay still picks up every transaction
            via webhooks, reconciles, reports, and pays out — invisibly.
          

          

            
HT

            

              
Home Trends Furniture

              
API + Stripe sync, since Nov 2025

            

          

        

        

          

            The webhook engine alone is worth the switch. Replay protection,
            exponential retries, and a UI to manually re-fire — exactly what we needed.
          

          

            
AC

            

              
Atlas Commerce

              
Marketplace · 12k merchants

            

          

        

      

    

  







  


  


  
  

    

    

  


  
  


  
  

    
      
      41.8781° N · 87.6298° W
    
    

      Made in the windy city.

      Built to reach the stars.
    

    

      PlutoPay was born in Chicago — where the wind off Lake Michigan has carried merchants,
      markets, and machines for a hundred and fifty years. We're carrying the next one.
      From the third coast, to every coastline. From a city of skyscrapers, to the planet
      we named ourselves after.
    

    

      
      CHICAGO, IL
      
        
        
        
      
      
      PLUTO ORBIT
    

  


  
  

    
      
        
          
          
          
        
        
          
          
        
      
      
        
        
        
        
        
        
        
        
        
      
      
        
        
        
        
        
        
        
      
      
      
        
        
        
        
        
        
        
        
        
        
      
      
      
      
      
    
    

    

  


  

    

      
      PlutoPay · Sadeim Inc · Est. Rockford, IL
      
    

  







  

    

      Pricing
      

        Pay as you transact. Negotiate as you scale.
      

      

        One transparent rate to start. A real conversation when you grow.
      

    


    

      
      

        
Launch

        
For new businesses. No minimums, no monthly.

        

          
2.9% + 30¢

          
Per online charge

        

        
          Start free
          
        
        

        
    
          
  • Online + in-person payments
    • 
          
  • Dashboard + 5 report types
    • 
          
  • Webhook engine
    • 
          
  • Test mode + sandbox
    • 
          
  • Email support
    • 
        

      


      
      

        Most chosen
        
Scale

        
For high-volume businesses and marketplaces.

        

          
Custom

          
Volume-based

        

        
          Talk to sales
          
        
        

        
    
          
  • Everything in Launch
    • 
          
  • Dedicated processor adapter
    • 
          
  • Multi-currency settlement
    • 
          
  • Split payments + Connect
    • 
          
  • Priority engineering support
    • 
          
  • 99.99% SLA
    • 
        

      


      
      

        
Enterprise

        
For institutions with deep regulatory needs.

        

          
Bespoke

          
Single-tenant infra

        

        
          Contact us
          
        
        

        
    
          
  • Everything in Scale
    • 
          
  • Single-tenant deployment
    • 
          
  • Custom processor adapters
    • 
          
  • On-prem data residency
    • 
          
  • PCI-DSS Level 1 attestation
    • 
          
  • Named technical contacts
    • 
        

      

    


    

      Stripe-comparable rates today. Plus the option to switch processors tomorrow.
    

  







  

    

      FAQ
      
Engineering questions, answered.

    

    

      

        
        

          
It means our business logic never talks to Stripe (or any processor) directly. All payment operations go through an adapter interface. Switching from Stripe to Adyen, Square, or your own acquirer is a matter of writing a new adapter — not refactoring your charges, refunds, payouts, or webhooks.

        

      


      

        
        

          
Not at all. PlutoPay is API-first; the dashboard is just a frontend consumer of the same public API. Most of our enterprise customers integrate via REST and webhooks and never log in. Home Trends Furniture, for example, runs entirely from their own UI — PlutoPay reconciles via webhooks invisibly.

        

      


      

        
        

          
Terminals use manual capture mode. We create the PaymentIntent without capturing, the customer adds tip on the reader, the amount_capturable_updated webhook fires, we update application_fee_amount to 3% of (base + tip), then capture. You get the right fee on the first try — no transfer reversals, no "Partial refund" lines on the connected account dashboard.

        

      


      

        
        

          
Refunds use reverse_transfer: true and refund_application_fee: true. The money comes from the connected account, not the platform — so the merchant who got paid is the merchant who pays back, and the platform fee is reversed cleanly.

        

      


      

        
        

          
Yes. Test API keys give you a complete sandbox with the same endpoints, the same webhooks, and the same payload shapes as production. You can simulate failures, partial captures, refunds, and disputes — what passes in test passes in production.

        

      


      

        
        

          
99.99% for the API, measured monthly. Scale and Enterprise plans include written SLA credits. Status, incidents, and historical uptime live at status.plutopayus.com.

        

      


      

        
        

          
We minimize scope by tokenizing card data at the edge — your servers never touch a PAN. PlutoPay holds the PCI-DSS attestation; you inherit a SAQ-A scope. Encryption at rest is AES-256 with envelope keys; in transit is TLS 1.3.

        

      

    

  







  

  

    

      

      


      

        

      


      

        Ready to launch
        

          Take your first payment in fewer than 9 minutes.
        

        

          Test keys are instant. The first live charge clears KYC. From there, it's just code.
        

        
        

          ● No credit card to start
          ● Test mode immediately
          ● Migrate from Stripe in days