How Card Payment Works

Card Payment Settlement & Payout Flow

1. Secure Card Payment Processing

The payment is handled through Suby’s card payment orchestration layer, which relies exclusively on regulated and PCI DSS–compliant infrastructure. Sensitive card information is processed directly by certified providers and never transits through Suby’s systems.

2. Payment Settlement

Once authorized, the payment enters the settlement phase. At this stage, the transaction is finalized through regulated payment rails, ensuring compliance with card-network and financial regulations.

3. Fiat-to-USDC Conversion

During settlement, the fiat amount collected from the card payment is converted into USDC. This conversion occurs within a regulated settlement and conversion layer, allowing Suby to provide stable, dollar-denominated payouts while avoiding exposure to fiat banking complexity.

4. Payout Preparation & Aggregation

Converted funds are then aggregated for payout. Aggregation helps optimize payout efficiency, reduce operational costs, and align payout timing with the merchant’s selected pricing plan.

5. Direct Wallet Payout

Payouts are sent directly to the Merchant’s self-custodial wallet, which remains fully owned and controlled by the Merchant at all times. Suby does not act as a custodian and does not store or hold Merchant funds. Suby may facilitate payout orchestration, including batching or timing of settlements.

6. Payout Timing

Payout frequency (for example, every 5 to 15 days) depends on the merchant’s pricing plan and configuration. Once a payout is executed, funds arrive directly in the merchant’s wallet.

7. Final Settlement

All card payment payouts are settled in USDC (USD Coin) and sent directly to the wallet you have configured in your settings, on Base or Solana. This provides price stability, transparency, and global accessibility.

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Key Guarantees

Key Payment & Risk Principles

• Suby does not store or process card data

• Card payments rely on regulated, PCI DSS–compliant infrastructure

Payouts

• Payout timing is independent from any rolling reserve

• Payout frequency (e.g. every 5 to 15 days) depends on the merchant’s pricing plan

• Payouts are sent directly to merchant-owned wallets

Rolling Reserve (when applicable)

• In specific cases, a rolling reserve may be applied for risk or compliance reasons

• A rolling reserve is separate from payout scheduling

• The reserve amount and duration depend on the nature of the business, transaction volume, and risk profile

• Reserved funds are released according to predefined conditions

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