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Add billing to your app without building a billing system.

Add subscriptions, usage billing, wallets, credit systems, and automatic payouts to any app in minutes — without writing billing infrastructure from scratch.

No payment engineering required
Transparent 3.5% platform fee
Go live in under 10 minutes
Your App CodebaseSettleSettle MiddlewareSystem Outputs
Event Emitted"AI_QUERY"
Revenue Logic(Evaluates Rules)
Deduct Wallet
Trigger Payment
Guard Access
Your code tracks activity. SettleSettle makes revenue decisions.
Quick Intro

What exactly is SettleSettle?

You start building your app. Everything feels simple — until billing shows up.

Now you need subscriptions. Wallets. Usage tracking. Credit deductions. Failed payment handling. Payouts.

That’s usually weeks of backend work. SettleSettle is the layer you plug into your app that handles all of it automatically. You tell us what users are doing. We handle the billing logic.

Without SettleSettle
With SettleSettle
Build wallet systems manually
Wallets ready instantly
Write billing cron jobs
Automatic charging
Track usage yourself
Real-time usage tracking
Handle failed payments manually
Smart retry + fallback logic
Manually settle payouts
Direct automated payouts

“Stop building billing systems inside your product.”

How It Works

Three things. That's it.

You focus on your product. SettleSettle handles the money logic.

1

Tell us what your users are doing

Install the SDK and track any billable action in your app — API calls, AI prompts, downloads, video minutes, feature unlocks, anything.

settle.track({ userId: 'user_123', event: 'AI_QUERY' })
One line of code. Real-time billing events.
2

We decide when users should be charged

Configure pricing once — subscriptions, credits, pay-as-you-go, usage limits, free tiers, or hybrid plans.

SettleSettle automatically charges users, deducts credits, blocks access, or prompts upgrades.

No cron jobs. No custom billing backend.
3

Your earnings settle automatically

User payments flow directly into your local bank account or Solana wallet based on your preferred settlement configuration.

No spreadsheets. No manual reconciliation.

What You Get

Everything your app needs to charge users properly.

Built for global developers. Designed for modern internet businesses.

Customizable User Wallets

Embed a fully customizable wallet dashboard inside your frontend. Give users real-time visibility into their credits, usage history, and refills.

Who needs this:
AI tools · Virtual economies · Consumer apps · SaaS

Usage & Event Telemetry

Track exactly how much of your product each user consumes in real time via lightweight, non-blocking SDK calls.

Who needs this:
API products · Token-based apps · Metered SaaS tools

Dynamic Usage Billing

Instantly charge users and deduct credits automatically based on precise operational pricing rules defined in your dashboard.

Who needs this:
Any platform charging per operational metric

Conversion & Churn Telemetry

Unlock analytics showing which users convert, churn, or overuse your bandwidth — and optimize event thresholds instantly.

Who needs this:
Founders & growth-ops optimizing unit economics

Multi-Chain Payout Rails

Move platform earnings directly into your local Nigerian bank account or instantaneously into your Solana wallet via next-gen Web3 clearing.

Who needs this:
Every developer scaling on SettleSettle

In-App Ad Reward Fallbacks

Provide a dynamic monetization gateway. When credits run dry, incentivize engagement by awarding instant credits upon watching ads.

Who needs this:
Games · Freemium consumer apps · Tiered software

Built For Your Type of App

See yourself in one of these.

SettleSettle works for any developer charging users globally.

Real-World Scenario

AI Platforms & API Products

The Situation

You built an AI prompt engine or high-volume analytical API. Every request translates directly to API token overhead, GPU time, or vector-DB lookups. Right now you are either capping usage crudely or eating scaling deficits.

What SettleSettle does

Deploy automatic event-based metering. Give users an embedded, customized virtual wallet that clearly renders their credit deductions live inside your app frontend. Auto-block execution loops instantly when they hit dry balance.

Result
  • Compute costs are aligned directly with revenue
  • Embedded wallet UI keeps consumption transparent
  • Zero-latency auto-blocking on zero balances

The SettleSettle Difference

Everything billing — none of the engineering.

Most developers spend weeks building this infrastructure before they can even focus on their actual product.

Task
Building From Scratch
Using SettleSettle
Track what users do in your app
Build custom event logging
One-line SDK call
Charge users based on usage
Write billing cron jobs
Automatic, rules-based
Give users a wallet
Design ledger database tables
Ready out of the box
Know your best pricing
Guess and manually analyse
Get suggestions from your data
Pay yourself from your users
Manual bank uploads
Direct bank payout via API
Handle users who can't pay
Hard-block them and lose them
Ad fallback keeps them engaged
For Developers, By Developers

Integrate in the time it takes to make tea.

Seriously. Install the SDK, track your first event, and see data in your dashboard — in under ten minutes.

  • TypeScript and JavaScript support
  • Works in Next.js, React Native, Node.js
  • Clear error messages — no cryptic failures
  • Full docs and working examples included
settle-demo
server.ts
1import { SettleSettle } from 'settlesettle'
2
3const settle = new SettleSettle({ apiKey: 'ss_live_your_key' })
4
5// Track what a user just did
6await settle.track({
7 userId: 'user_abc123',
8 event: 'AI_QUERY',
9})
10
11// Check if they still have credits before letting them proceed
12const wallet = await settle.wallet.getBalance('user_abc123')
13
14if (wallet.credits <= 0) {
15 // SettleSettle tells you what to do — block, show ad, or prompt upgrade
16 return settle.wallet.getAction('user_abc123')
17}

Pricing

Start free. Grow on your terms.

We only make money when you make money.

Developer Sandbox
₦0/ setup fee

Perfect for side projects starting their integration journey with full API access.

  • Up to 100 active user syncs
  • All core SDK functions fully included
  • 3.5% standard platform fee
  • Instant test-mode payouts
Recommended
Standard Scaler
3.5%/ per transaction

For rapidly scaling production applications and consumer software products.

  • Unlimited active user directory syncs
  • Customizable embedded user wallets
  • In-app Ad Rewarded Fallbacks live
  • Real-time telemetry tracking
Enterprise Volume
Custom/ volume scales

Custom pricing models tailored for platforms processing heavy transactional volume.

  • Sliding fees scaled below 3.5%
  • Dedicated integration architects
  • Enterprise SLA guarantees
  • Private direct Slack support bridge
SettleSettle implements a flat, highly-transparent 3.5% platform fee per completed transaction. Zero setup costs, zero recurring monthly retainers.
No credit card. No setup fees.

Your app should be making more money than it is.

Add wallets, usage billing, and automatic payouts in one afternoon. Leave the billing engineering to us.

Engineered for global scale. Powering dual-rail local & Web3 payouts.