Breeze

Breeze is an end-to-end payments platform for businesses, with a Merchant of Record service that can manage payment risk, chargebacks, sales tax, and customer support. A single integration supports card payments, Apple Pay, Google Pay, and crypto; the listed rails also include ACH, RTP, FedNow, and SEPA. Crypto options include USDC, USDT, and EURC stablecoins, plus ETH, SOL, and BTC across several networks. Merchants can offer hosted checkout pages by redirect or iframe, or embed payment components using the React SDK. The API supports recurring subscriptions, trials, discounts, flexible schedules, and introductory or stepped pricing. Signed webhooks report payment, payout, and subscription events, with automatic retries and logged deliveries. Users can receive payouts by bank transfer or withdraw crypto. Breeze lists gaming, marketplaces, mobile apps, and financial institutions among its target verticals. It is available through API, iOS, and web. Pricing is on request.

Breeze combines payment acceptance, subscription billing, payouts, and Merchant of Record services. Businesses should contact Breeze for pricing and consider which checkout or API integration fits their needs.

Breeze suits businesses in gaming, marketplaces, mobile apps, and financial services that need payment, subscription, or payout infrastructure. Its hosted checkout and embedded options also suit merchants building custom payment flows.

Breeze is a payments platform for businesses that need to accept payments, manage subscriptions, and send payouts across multiple channels. It is best suited to teams building payment flows into apps, marketplaces, or other products; its broad payment and Merchant of Record services come with custom pricing rather than a self-serve plan.

Overview

Breeze combines payment acceptance with Merchant of Record services, taking on responsibilities such as risk management, chargebacks, sales tax, and customer support for the payment process. That can reduce the operational burden for businesses without a dedicated chargebacks team, while giving developers hosted and embedded checkout choices.

Its reach is broad: card and wallet payments sit alongside crypto, bank-transfer rails, subscriptions, and payouts. The tradeoff is that prospective customers need to talk to Breeze to understand the commercial fit and price, rather than compare published plans.

Key features

Checkout and payment methods

Merchants can use hosted payment pages through a redirect or iframe, or embed payment components with the React SDK. A single integration supports cards, Apple Pay, Google Pay, and crypto payments. The listed crypto assets include USDC, USDT, EURC, ETH, SOL, and BTC across networks including Ethereum, Solana, Bitcoin, Tron, Polygon, and Base. This breadth suits products serving users with different payment preferences, but teams should choose Breeze for that range only if it matches their actual payment needs.

Subscriptions and payouts

The subscription API supports recurring billing, free trials, discounts, flexible schedules, and introductory or stepped pricing. These options let a business model varied billing terms without limiting itself to a simple recurring charge. Breeze also supports user payouts and withdrawals by bank transfer or crypto, with rails including ACH, RTP, FedNow, and SEPA. Headless payout and KYC flows give teams building custom experiences more control than hosted checkout alone.

Developer controls and operations

The API supports idempotent payment creation, while signed webhooks report payment, payout, and subscription events, retry automatically, and provide queryable state and logged deliveries. Those controls help developers build around payment updates and troubleshoot delivery issues. Test materials cover card declines, 3DS challenges, crypto testnet transactions, and payout statuses, giving teams ways to exercise several important flows before launch.

Merchant of Record, risk, and support

Breeze says its Merchant of Record service handles fraud and chargeback liability, US sales-tax calculation and remittance, and user KYC and AML compliance. For businesses that want those responsibilities managed alongside checkout, that is a substantial part of the proposition; companies that prefer to retain control of those operations may not need this service. Breeze identifies ISO 27001 and SOC 2 Type 2 and describes the platform as SOC 2 and PCI compliant. Customers receive a dedicated Slack channel and 24/7 support; AI handles first responses, with human teams in New York, Singapore, and Bulgaria.

Pricing

Breeze is paid software with custom pricing. There is no published self-serve plan to compare, so prospective customers should contact Breeze to evaluate the price against their expected payment volume, required services, and integration approach. That may suit businesses seeking a tailored arrangement, but makes Breeze harder to assess on cost before starting a sales conversation.

Platforms

Breeze supports API, iOS, and web. The API, hosted payment pages, React SDK, and headless payout and KYC flows give developers several ways to connect payments to a product, from a managed checkout page to a more custom build.

Who it's for

Breeze is aimed at gaming businesses, marketplaces, mobile apps, and financial institutions, as well as companies expanding internationally. It is a stronger fit for teams that need several payment methods, recurring billing or payouts, and want Merchant of Record services to reduce operational and compliance work. A business seeking a simple published price or a narrow checkout tool should compare alternatives before committing.

Pros and cons

• Pros: One integration covers cards, digital wallets, and crypto, which can reduce the need to assemble separate payment options.
• Pros: Merchant of Record services include chargeback and fraud liability, US sales-tax handling, and KYC and AML management, easing several operational responsibilities.
• Pros: Subscription controls, bank and crypto payouts, and hosted or embedded integrations suit varied product payment flows.
• Pros: Signed, retried webhooks and test flows for cards, 3DS, crypto, and payouts support development and operational troubleshooting.
• Cons: Custom pricing means buyers cannot judge cost from a published plan before contacting Breeze.
• Cons: The broad service is a poor match for businesses that do not need Merchant of Record or multi-rail payment capabilities and would rather choose a narrower, visibly priced option.

Alternatives

For a broader directory of comparable services, see Merchant of Record Software.

• Coda is worth considering if a free plan matters: its Personal docs have no size or object limits, while shared docs cap at 50 objects and 1,000 table rows.
• Polar offers a free Starter plan with all selling features, standard support, and a 5% + 50¢ transaction fee; it is a more direct starting point for teams that want a free entry tier.
• Freemius charges transaction pricing of 3.8% + 50¢ plus gateway fees, with no setup or monthly fees; consider it if that fee structure and its stated recovery-fee terms suit your needs.
• Gumroad charges 10% + $0.50 for direct sales and 30% through its Discover marketplace; it is an option for sellers weighing those transaction terms and marketplace distribution.
• Wayopay lists a £1,530 per-sale platform fee with no monthly fees or setup costs, including payment processing and VAT handling; compare it if those stated terms fit your business.
• Whop offers tailored rates for high-volume businesses, with country-specific rates, volume-based pricing, and a dedicated account manager; it may suit a buyer seeking a sales-led high-volume arrangement.
• Creem lists a $3.94 per-successful-transaction pay-as-you-go plan with no monthly or setup fees and no minimum volume; it is an alternative for businesses prioritizing those published terms.
• Dodo Payments lists a standard plan with a $440 per-transaction fee and no fixed fees; consider it only if that stated structure suits your transaction economics.

Verdict

Breeze is best for product teams that need payment acceptance, subscriptions, and payouts under one integration and want Merchant of Record services to take on chargeback, tax, and compliance work. Its combination of payment methods, developer controls, and operational support is compelling for that use case. Look elsewhere if a published price or a simpler, narrower payment service matters more than that breadth.