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Guppy handles payments on behalf of users using delegated, constrained spend authority. Developers provide a payment method reference, and Guppy manages the complexities of checkout.

Capabilities

  • Authorization & Retries: Guppy handles transient payment failures.
  • Refunds: Automated refund tracking if an order is canceled post-charge.
  • Receipts: Automated collection of merchant receipts.

Supported Funding Sources

  • Card‑on‑file: Standard credit/debit cards.
  • Bank account (ACH): For lower-fee bulk transactions.
  • Enterprise invoicing: Net-terms (where supported by merchant).

Payment Guarantees

  • Spend Control: Charges never exceed the declared guardrails.
  • Audit Trail: Each purchase is tied 1:1 to an intent.
  • Security: Disposable execution cards are single‑use to prevent fraud.