Payment gateway and subscription billing for your apps and website
Take payments by card, Apple Pay, Google Pay and PayPal, and run sign-ups, renewals and access rights from a single API. One fee per payment and nothing else: 0.99% + €0.15.
€7,850.50
Volume processed (demo)
720
Payments (demo)
3
Merchants (demo)
Overview
All apps
MRR
€421.80
Authorization
98,4%
Fees this month
€126.40
Tarjeta regalo
Nora Vidal · Apple Pay
€25.00
Cuota mensual
Marc Soler · Card
€39.90
Nimbus Pro
Estudio Lumen SL · Card
€29.00
Pack degustación
Aitana Ferrer · Google Pay
€9.90
Product
Everything you need to manage subscriptions.
A complete subscription backend for your apps, with direct billing included. No external dependencies.
Multi-app
Manage multiple apps or projects from a single account, with separate credentials, catalog, and entitlements.
Catalog and subscriptions
Create plans with pricing, billing period, and access rights. Signups, cancellations, renewals, and plan changes via API.
Entitlements
Your app asks if the user has access to a feature, Cifrago responds instantly. No logic in your backend.
Direct billing
Integrated PSP with card, Apple Pay, Google Pay, and PayPal. No need to set up Stripe or any other provider.
Lifecycle webhooks
Signed events for every step: new subscription, renewal, cancellation, expiration, and failed payment.
Cross-platform
Same subscription status across web, iOS, and Android. A user subscribes in one place and has access everywhere.
Developers
Integrate subscriptions in hours, not weeks.
Create a subscription with one call, check entitlements with another. Cifrago handles the entire lifecycle so your app doesn't have to.
- Check entitlements with a single call — your app asks, Cifrago responds
- Webhooks signed with HMAC-SHA256 for every lifecycle event
- API keys per app and environment, with a full sandbox for testing
- No required SDK — works with any language via REST
curl https://cifrago.com/api/v1/sessions \
-X POST \
-H "Authorization: Bearer sk_test_····" \
-H "Content-Type: application/json" \
-d '{
"app": "mi-comercio",
"packId": "pro_monthly",
"successUrl": "https://mi-comercio.com/gracias",
"cancelUrl": "https://mi-comercio.com/checkout"
}'
201 {
"sessionId": "ses_8f2a91c4",
"checkoutUrl": "https://cifrago.com/checkout/ses_8f2a91c4"
}Pricing
One fee per payment, stated up front.
| Method | Fee | Details |
|---|---|---|
| EEA card | 0,99% + 0,15 € | Encrypted checkout, server-side tokenization and per-merchant reconciliation. |
| Apple Pay / Google Pay | 0,99% + 0,12 € | Wallets integrated in the same checkout, no extra configuration. |
| European rail (Paycomet) | 0,95% + 0,12 € | Integrated European acquiring for merchants established in Spain. |
| PayPal | 1,49% + 0,25 € | Optional method for customers who prefer paying with their PayPal account. |
EEA card
0,99% + 0,15 €
Encrypted checkout, server-side tokenization and per-merchant reconciliation.
Apple Pay / Google Pay
0,99% + 0,12 €
Wallets integrated in the same checkout, no extra configuration.
European rail (Paycomet)
0,95% + 0,12 €
Integrated European acquiring for merchants established in Spain.
PayPal
1,49% + 0,25 €
Optional method for customers who prefer paying with their PayPal account.
Security
Designed to protect every transaction.
Card data never touches your servers. Cifrago combines tokenization, cryptographic signatures, and continuous auditing so getting paid is secure by default.
Tokens, not cards
Your integration works with payment identifiers; sensitive data stays in the provider's vault.
Keys per merchant
Independent credentials, key rotation, and granular permissions per environment.
Visible risk
Reviews, failed signatures, retries, and disputes monitored in one place.
Compliance
Architecture aligned with PCI DSS SAQ-A and invoicing compliant with Spanish regulations, including VeriFactu.
€0/mo
Up to €1,000/mo in revenue. No commitment.
- Entitlements and subscriptions
- Full REST API
- Signed webhooks
- Hosted checkout
- Per-charge fee only
€29/mo
Up to €10,000/mo in revenue
- Everything in Starter
- Dashboard with analytics
- Multi-app (multiple apps under one account)
- Automatic invoicing with VeriFactu
- Email support
€79/mo
Unlimited revenue
- Everything in Growth
- Multi-PSP routing
- Accounting export and analytics API
- Priority support in Spanish
Custom
High volume and specific needs
- Everything in Scale
- Volume-based fees
- SLA and dedicated support
- Assisted onboarding
Latest subscription guides
Subscriptions, entitlements, in-app payments, and security, explained step by step.
Card routing modernization, UK open banking architecture, and ECB consumer expectations
Bank Pekao upgrades its card infrastructure with NCR Atleos, while UK open banking faces credit crunch debates and the ECB releases consumer data.
Apple Pay and Google Pay without the marketing: network tokens and fraud reduction
Far from simple digital wallets, Apple Pay and Google Pay rely on network tokens and dynamic cryptograms. We examine their technical mechanics and fraud impact.
Same subscription on web, iOS, and Android: avoiding double billing with a single entitlement state
Allowing a customer to use their subscription across platforms without paying twice requires anchoring billing to a central account. Here is the architecture needed to coordinate web, App Store, and Google Play.
Interested in Cifrago?
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