๐Ÿ”€ Stripe replacement ยท BobWork Pay

Everything Stripe does.
Half the price.

Accept payments, run subscriptions, and power your AI agents โ€” with a developer experience that rivals Stripe, at 50% lower fees. Built for Asia-first businesses.

Start accepting payments โ†’ View API docs
50%
lower fees than Stripe
0
monthly fees ever
12+
SEA payment methods
5
agent API calls
Pricing โ€” REA of Stripe

Same features. Half the cost.

We reverse-engineered Stripe's pricing and cut everything by 50%. No gotchas.

Fee type Stripe charges BobWork Pay You save
Standard card (domestic) 2.9% + $0.30 1.45% + $0.15 -50%
International cards +1.5% surcharge +0.75% surcharge -50%
Currency conversion +1.0% +0.5% -50%
Subscriptions / Billing 0.5% of revenue 0.25% of revenue -50%
Invoicing 0.4% of invoice volume 0.2% of invoice volume -50%
Marketplace / Connect 0.25% + $2/mo per account 0.125% + $1/mo -50%
Singapore local rate 3.4% + S$0.50 1.7% + S$0.25 -50%
Malaysia (FPX) Not available natively 0.9% (flat) ๐Ÿ‡ฒ๐Ÿ‡พ Native
E-wallets (GrabPay, TnG, GoPay) Limited / via 3rd party 1.2% flat ๐ŸŒ SEA native
Monthly platform fee $0 $0 Same
Savings Calculator

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Features

Stripe's DX. BobWork's ecosystem.

We didn't just cut the price โ€” we rebuilt the experience for Asia-first, agent-first businesses.

โšก

Instant onboarding

Go from sign-up to accepting payments in under 5 minutes. Outcome-based setup: "accept one-time payments" or "run subscriptions" โ€” not config screens.

๐Ÿค–

Agent-first API

5 core functions: create_payment_link, check_status, issue_refund, create_subscription, send_receipt. AI agents call payments the same way they call anything else.

๐Ÿ’ฌ

WhatsApp-native

Agents send payment links directly in WhatsApp chats via ChatDaddy. Customer clicks, pays, gets receipt โ€” all inside the conversation thread.

๐ŸŒ

SEA payment methods

FPX (MY), GrabPay, Touch 'n Go, GoPay, DANA, OVO, PromptPay (TH), PayNow (SG), VietQR โ€” all the methods your customers actually use.

๐Ÿ“Š

Founder health dashboard

Success rates, subscription health, failed payment trends, regional revenue โ€” the signals that matter, surfaced automatically. No building dashboards.

๐Ÿ”„

Smart retry logic

Failed payments automatically retried at optimal times based on card network patterns. Recover failed revenue without manual follow-up.

๐Ÿงพ

Built-in invoicing

Create and send branded invoices. Agents can trigger invoicing programmatically. Automatic reminders for overdue amounts. Connect to BobWork Books.

๐Ÿ”

PCI DSS compliant

Card data never touches your servers. Full PCI DSS Level 1 compliance handled by the payment rails underneath โ€” you get the DX without the compliance burden.

๐Ÿ”—

BobWork ecosystem

Payments connect to Invoice, Books, Analytics, and Sign automatically. Close a deal โ†’ payment link sent โ†’ invoice created โ†’ books updated. All in one stack.

Coverage

12+ payment methods. All of SEA + global cards.

Stripe doesn't natively support half these markets. We do.

๐Ÿ‡ฒ๐Ÿ‡พ FPX (Malaysia) ๐Ÿ‡ฒ๐Ÿ‡พ Touch 'n Go ๐Ÿ‡ธ๐Ÿ‡ฌ PayNow ๐Ÿ‡ธ๐Ÿ‡ฌ PayLah ๐Ÿ‡ฎ๐Ÿ‡ฉ GoPay ๐Ÿ‡ฎ๐Ÿ‡ฉ OVO ๐Ÿ‡ฎ๐Ÿ‡ฉ DANA ๐Ÿ‡น๐Ÿ‡ญ PromptPay ๐Ÿ‡ป๐Ÿ‡ณ VietQR ๐ŸŒ GrabPay (SEA) ๐ŸŒ Visa / Mastercard ๐ŸŒ Amex ๐ŸŒ Apple Pay ๐ŸŒ Google Pay
Developer API

5 calls. That's it.

Agents don't need Stripe's 300-page API. They need 5 clean verbs to handle money.

BobWork Pay โ€” Agent API (MCP + REST)
// 1. Create a payment link (send over WhatsApp or email)
POST pay.bobwork.ai/v1/links
{
  "amount": 199.00,
  "currency": "MYR",
  "description": "ChatDaddy Pro โ€” Nov 2026",
  "expires_in": 86400
}
// โ†’ { "url": "pay.bobwork.ai/p/abc123", "id": "lnk_..." }

// 2. Check payment status
GET  pay.bobwork.ai/v1/links/lnk_abc123/status
// โ†’ { "status": "paid", "paid_at": "2026-11-04T12:34:56Z", "amount": 199.00 }

// 3. Issue a refund
POST pay.bobwork.ai/v1/refunds
{ "payment_id": "pay_...", "reason": "customer_request" }

// 4. Create a subscription
POST pay.bobwork.ai/v1/subscriptions
{
  "customer_id": "cust_...",
  "plan": "pro_monthly",
  "amount": 99.00,
  "interval": "month"
}

// 5. Send receipt
POST pay.bobwork.ai/v1/receipts
{ "payment_id": "pay_...", "via": ["whatsapp", "email"] }