Payments with a real ledger.
QuikyPay is the one payments rail for every Magnus and Quiky product. Wallet-first, creator-friendly economics, double-entry accurate. High-risk-ready from line one.
Double-entry ledger
Every dollar across every product is one journal entry with postings summing to zero. Enforced by Postgres triggers, not a README.
Serializable by default
Every balance-changing operation runs in SERIALIZABLE isolation with automatic retry on conflict. No lost updates. No double-spend.
Rails are pluggable
Stripe today. ACH, crypto, and custom rails next. The adapter interface means swapping processors is an env-var flip, not a rewrite.
One ledger for
Every paying surface in the Magnus/Quiky world
Capabilities
Pay, hold, split, pay out. Built for volume.
Wallet-first UX
Every MagnusID user has a QuikyPay wallet. Peer-to-peer, instant, username-resolvable — without routing through a card processor each time.
Marketplace payouts
Creators on QuikyLive, sellers on QuikyShop, advertisers on MagnusAds — one payout engine, one reconciliation statement, every schedule honored.
High-risk friendly
Cannabis (Budlogic), adult creators, mature-audience categories — policies written in from day one, not bolted on after takedown.
Subscription engine
Recurring billing with trials, proration, cohort pricing, and cancellation reason tracking. Built for QuikyClub, QuikyTV, and Magnus+.
Multi-currency
USD first. EUR/GBP/CAD on launch. FX happens at the ledger boundary with transparent spread shown to both sides.
Tax-ready
Sales tax by jurisdiction, VAT/GST support, 1099-K generation, W-9 collection. MagnusBooks ingests directly from our webhooks.
Pricing
Transparent, creator-friendly, never hidden.
Hold funds, send peer-to-peer, withdraw to your bank. No monthly fees.
Per card charge. Standard rail. Volume discounts at 100k+/month. Marketplace payout handled.
Cannabis, adult, mature categories. Reserve + longer payout schedule. We pick up where others won't.