SurcoPay is the thin layer on top of your own Stripe.

No store to build. No funds held in the middle. No percentage carved off your sales going to a platform that treats itself as the seller. It's a checkout, a buyer-facing download page, and the tax paperwork most creators would rather not deal with. That's it. Everything else stays yours.

Why we built it

Most tools for selling digital products pick one of two trade-offs. Either they take the whole operating model off your plate — hold your funds, pay you weekly, be the merchant of record, keep your buyer relationship on their side — in exchange for roughly 10% of every sale. Or they hand you a full ecommerce platform with monthly fees, themes, and the responsibility of being the merchant yourself.

Neither of those fits a creator who already has an audience, already has a Stripe account they could use, and just wants a checkout that drops into whatever website they already have. The gap in the middle is where SurcoPay sits.

What we are and aren't

Built in Puerto Rico

SurcoPay is built in San Juan by an independent developer, not funded by a venture round and not optimized to be sold. That means we move slower than a well-staffed startup and faster than a committee. It also means we got the PR sales-tax integration (IVU) right before we touched the US states, because that's the ground we live on.

The surco in SurcoPay is the furrow a plow leaves — the path that gets planted next. We liked that for a payments tool: a narrow line you walk, with the work still ahead of you.

What we won't change on you

A commitment is worth less than a track record, and we haven't been around long enough to have one. Here's what we promise anyway, in writing where you can hold us to it:

• We will not become a merchant of record. Your buyers will always be your buyers, legally and operationally. If we ever pivot in that direction, it will be a new product on a different name, and you'll get the choice to migrate or stay.
• We will not hold your funds. Money flows from buyer → Stripe → your bank, on Stripe's schedule. Our fee is pulled at the time of charge via Stripe's application-fee mechanism. We never have a balance of yours to withhold.
• We will not price-change existing sellers mid-year. If we have to raise fees, new sellers see the new rate. Existing sellers keep their original rate for at least 12 months and get clear notice before any change.
• We will not make you an "exclusive" partner. Sell the same product on Gumroad, on Etsy, on your own site, on anything else. We don't want exclusivity and we don't need it.
• Your data belongs to you. Full CSV export of your buyers, products, and transactions is a one-click dashboard action. If you leave, we don't make it hard.

How we handle security

Short version: we never see your buyers' card details. All card data goes through Stripe's hosted elements and tokenization — SurcoPay only ever sees a token that references the charge. Your buyers' emails, product data, and transaction records live in our database with standard application security practices (encrypted at rest, TLS in transit, no secrets in logs). More detail lives in the privacy policy; the terms cover the full shape of what we're responsible for and what you are.

How to reach us

Short questions: the contact form routes to our inbox and we read every message. Longer things like partnership talk or press inquiries: same form, we'll pick the right follow-up. For legal or privacy-specific requests, the addresses in the privacy policy and terms are the formal channels.

For the quieter kind of hello — bug reports, feature wishlists, "would this ever work for X?" — the contact form is fine. We prefer honest short questions to polished long ones.