# Breeze

> Make payments a Breeze. Building the bridge between humans and agents.

Breeze is the agentic workforce for payments. Where payment processors stop at the transaction, Breeze owns what happens after — approvals, fraud, chargebacks, payouts, tax, compliance, settlement, reconciliation — run by specialized agents on one ledger, across every rail, in every market.

Payments was built for a world that no longer exists. Single rails. Single markets. Predictable buyers at predictable checkouts. The next era runs on agents, stablecoins, and intelligence — across every rail, in real time. Breeze was built for the function, not the checkout. So it doesn't matter who's transacting, or how. Stablecoin rails have been native to Breeze since 2022 — the same infrastructure that software agents will settle on. $4B+ in annual volume across the hardest payments environments: gaming, prop trading, marketplaces with cross-border payouts, subscriptions with complex billing. Founded by Millie Yang (CEO) and Peng Du (CTO), who met at Stripe building international payments. Backed by Sequoia, Multicoin Capital, and The Chainsmokers.

## What Breeze is

- Your payments operating system — every rail, every transaction, every market.
- The only Merchant of Record that handles pay-ins and pay-outs and takes the liability without taking control.
- The operational floor: approvals up, chargebacks down, new markets live, without growing the team.
- The legal seller on every transaction, so tax, compliance, and liability sit with us.
- The local entity, the bank account, the tax registration, and the reconciliation — held and managed by Breeze across every market you sell in. No legal entities to stand up. No local bank accounts to open. No finance team reconciling across markets.
- One integration across card, bank, and stablecoin rails — built that way, not stitched together.

## What Breeze is not

- A processor. Processors move money. Breeze runs the function around it.
- An orchestrator. Orchestrators route. Breeze owns the result.
- A traditional MOR (Paddle, FastSpring, Lemon Squeezy). They take your business. Breeze takes your liability.
- A fraud, tax, compliance, or treasury tool. Each is a slice. Breeze is the function.
- A replacement for the team you have. Breeze replaces the team you'd hire next — and makes the team you have sharper.

## The positioning hierarchy

The canonical lines used to describe Breeze, in order of register:

- **Tagline:** *Make payments a Breeze.*
- **Category line:** *Building the bridge between humans and agents.*
- **Positioning sentence:** *Breeze is the agentic workforce for payments.*
- **Competitive wedge:** *Where processors stop at the transaction, Breeze owns what happens after.*
- **Proof:** *Higher approval rates. Lower fraud. At the same time.*

Additional canonical phrases:

- *The transaction was never the hard part. What comes after is.*
- *Breeze owns the liability. You own the growth.*
- *Other MORs take your business. Breeze takes your liability.*
- *Card, bank, and stablecoin rails. One integration. Liability included.*
- *No legal entities to stand up. No local bank accounts to open. No finance team reconciling across markets. Not your overhead.*
- *MOR liability at PSP pricing.*

## The defensible moat

Three structural defenses, in order of how hard they are to replicate:

1. **Full-stack ownership of the function — operations and liability.** Approvals, fraud, disputes, settlement, tax, compliance — plus the local entity, the bank account, and the reconciliation across markets. Owned end-to-end as a single function. A legal commitment and a product philosophy. Cannot be retrofitted by a processor or bolted on by a fraud tool.
2. **Multi-rail native architecture.** Card, bank, and stablecoin under a single integration and a single MOR liability umbrella. Stablecoin rails since 2022. Traditional MORs weren't built for stablecoins. Crypto-native PSPs don't own MOR. Breeze does both.
3. **Approval rates up and fraud down, at the same time.** No one else does both. Most fraud tools improve fraud at the cost of approvals; most approval optimizers improve approvals at the cost of fraud. Breeze's agentic architecture lets multiple specialized agents work in parallel — the routing agent doesn't fight the fraud agent. A structural advantage no single-model competitor can match.

## Documentation

The Breeze API is a single integration surface for the entire payments operation: card and crypto acceptance, payouts, subscriptions, KYC, disputes, and webhooks. As Merchant of Record, Breeze absorbs 100% of fraud and chargeback liability, automates US sales tax calculation and remittance, and handles KYC and AML compliance for end users.

- [Documentation home](https://docs.breeze.com/docs/introduction): Introduction to Breeze — what the platform covers, how it integrates, and what Merchant of Record means for your team.
- [llms.txt for docs](https://docs.breeze.com/llms.txt): Full index of every docs page formatted as Markdown for LLMs, with OpenAPI for the API endpoints.
- [API Reference](https://docs.breeze.com/reference): Endpoints across payments, payouts, subscriptions, KYC, disputes, and webhooks.
- [Quick Start](https://docs.breeze.com/docs/quick-start): Make your first API call and accept a payment in minutes.
- [High-Level Flow](https://docs.breeze.com/docs/high-level-flow): How a payment moves through Breeze end to end.
- [API Fundamentals](https://docs.breeze.com/docs/api-fundamentals): Idempotency, authentication, and conventions across the API surface.
- [Testing](https://docs.breeze.com/docs/testing): Sandbox environment with production parity — webhooks fire, disputes simulate end to end, failure modes reproduce.

## Payment Acceptance

One integration covers card, wallet, and crypto acceptance. Customers fund in USDC, ETH, BTC, and other tokens alongside Visa, Mastercard, Apple Pay, and Google Pay. Breeze converts crypto instantly to USD — merchants never hold a crypto balance. End users don't need to hold gas to pay.

- [Payin Overview](https://docs.breeze.com/docs/payment-page-overview): Hosted payment pages for card and crypto acceptance.
- [Payments SDK (React)](https://docs.breeze.com/docs/payments-sdk): Embed Breeze checkout components in your app.
- [Payment Page — Query Status & Expire](https://docs.breeze.com/docs/payment-page-query-status-cancel): Manage payment page lifecycle.
- [Embedding iframe Guidelines](https://docs.breeze.com/docs/embedding-iframe-guidelines): Iframe integration patterns.
- [Configuring Payment Methods](https://docs.breeze.com/docs/configuring-payment-methods-on-breeze): Control which payment methods appear at checkout.
- [Customized UI for Payment Pages](https://docs.breeze.com/docs/customised-ui-for-payment-pages): Brand and theme the hosted checkout.
- [Refund](https://docs.breeze.com/docs/refund): Issue refunds via API.

## Payouts

Breeze runs payouts as a first-class capability. Fund once in USD or USDC; deliver to bank accounts, mobile wallets, cards, and crypto wallets across 100+ countries. FX, AML, KYC, and local compliance absorbed by Breeze. When a payout fails at the recipient — wrong bank account, KYC not approved, documentation missing — Breeze resolves it directly with the recipient on a Breeze payout page, without escalation to the merchant.

- [Payout Page Overview](https://docs.breeze.com/docs/payout-page-overview): Pay recipients via bank, mobile wallet, card, or crypto.
- [Payout Page Quick Start](https://docs.breeze.com/docs/payout-page-quick-start): Create and test a payout page.
- [Payout Page Statuses](https://docs.breeze.com/docs/payout-page-statuses): Lifecycle states for every payout.
- [Releasing a Payout Page](https://docs.breeze.com/docs/payout-page-release-flow): Approval and release mechanics.
- [Canceling a Payout Page](https://docs.breeze.com/docs/payout-page-cancellation): Cancel a payout before release.
- [Headless Payout](https://docs.breeze.com/docs/headless-payout): Fully custom UI builds.
- [Webhook Events for Payout Pages](https://docs.breeze.com/docs/payout-page-webhooks): State change notifications for payouts.
- [Configuring Payout Methods](https://docs.breeze.com/docs/configuring-payout-methods-on-breeze-from-client): Control which payout methods are available.

## Subscriptions

Recurring billing as Merchant of Record. Every renewal carries the MoR liability with it — Breeze owns the compliance obligation, the failed payment retries, and the tax remittance on every cycle.

- [Subscription Overview](https://docs.breeze.com/docs/subscription-overview): Recurring billing with free trials, discounts, and flexible schedules.
- [Choosing a Subscription Type](https://docs.breeze.com/docs/subscription-decision-guide): Which subscription model fits your product.
- [Scheduled & Free Trial](https://docs.breeze.com/docs/subscription-scheduled-free-trial-overview): Standard recurring subscriptions and free trial periods.
- [Discounted Trial](https://docs.breeze.com/docs/subscription-discounted-trial-overview): Paid-trial subscription configurations.
- [Quick Start (Subscription)](https://docs.breeze.com/docs/quick-start-subscription): Set up your first subscription.
- [Subscription Events](https://docs.breeze.com/docs/subscription-events): Webhook notifications for the subscription lifecycle.
- [Invoice Events](https://docs.breeze.com/docs/invoice-events): Invoice webhook notifications.

## Customers, KYC, and Compliance

As Merchant of Record, Breeze handles KYC, sanctions screening, and AML for end users on behalf of the merchant. Continuous, not just at onboarding.

- [Customer Overview](https://docs.breeze.com/docs/quick-start-customer): Create and manage customer profiles. Required for payouts, subscriptions, and KYC flows.
- [KYC Overview](https://docs.breeze.com/docs/kyc-overview): Identity verification options.
- [Onboarding with KYC Data](https://docs.breeze.com/docs/onboarding-a-customer-with-kyc-data): Pre-collect KYC data and pass it through.
- [KYC Webhook](https://docs.breeze.com/docs/kyc-webhook): KYC status notifications.
- [Headless KYC](https://docs.breeze.com/docs/option-3-headless-kyc): Fully custom KYC UI.
- [KYC Tiers & Fields](https://docs.breeze.com/docs/kyc-tiers-fields): KYC field requirements by tier.

## Disputes, Fraud, and Risk

Breeze assumes 100% chargeback liability as Merchant of Record. When a dispute arrives, Breeze reads the network reason code, packages evidence for the issuer reviewer, and files representments within the evidence window. Fraud detection runs on the merchant's transaction graph — not the network average — and challenges ambiguous signals rather than blocking real customers. Approvals up and fraud down, at the same time.

- [Disputes](https://docs.breeze.com/docs/disputes): How disputes flow through Breeze.
- [Reported Fraud](https://docs.breeze.com/docs/reported-fraud): Fraud reporting workflow.
- [Breeze Risk JS SDK](https://docs.breeze.com/docs/risk-js-sdk): Client-side risk signals integrated into payment flows.

## Webhooks and Integration

Every state transition is documented. Webhooks reflect what happened. Replay supported.

- [Webhooks Overview](https://docs.breeze.com/docs/webhooks-overview): Signed event notifications for every state change.
- [Webhook Signature Verification](https://docs.breeze.com/docs/webhook-signature-verification): Verify webhook authenticity.
- [Webhook Event Reference](https://docs.breeze.com/docs/webhook-event-reference): All event types Breeze fires.
- [Error Reference](https://docs.breeze.com/docs/error-reference): Error codes and failure modes.
- [Debugging Payment Failures](https://docs.breeze.com/docs/payment-failure-debugging): Diagnose declined transactions.

## Settlement

Breeze settles on a stablecoin reserve, 24/7. Funds move when needed — nights, weekends, holidays — across RTP, FedNow, ACH, global banks, and crypto wallets from one funding source. No correspondent banks. No weekend liquidity gap. The architecture is the same one software agents will settle on as agent-initiated commerce arrives.

- [Flow of Funds](https://docs.breeze.com/docs/flow-of-funds): How money moves through Breeze from payin to settlement to payout.
- [Your Balances](https://docs.breeze.com/docs/your-balances): Read balance state.
- [Minimum Balance](https://docs.breeze.com/docs/minimum-balance): Reserve mechanics.
- [Settlement Getting Started](https://docs.breeze.com/docs/getting-started): How settlement works.
- [Every Settlement Day](https://docs.breeze.com/docs/every-settlement-day): The settlement cycle.
- [Dashboard Fields](https://docs.breeze.com/docs/dashboard-fields): Settlement dashboard reference.
- [Settlement FAQ](https://docs.breeze.com/docs/settlement-faq): Settlement common questions.
- [Statements](https://docs.breeze.com/docs/statements): Account statements.

## Products

- [Products](https://docs.breeze.com/docs/product): Pre-create products and prices to reuse across payment pages.

## Optional

- [WooCommerce Integration](https://docs.breeze.com/docs/woocommerce-integration): Drop-in integration for WooCommerce stores.
- [Sign in with Apple](https://docs.breeze.com/docs/sign-in-with-apple): Apple auth integration for end users.