Marvin

Head of Product Engineering at @Subyhq | Helping online businesses get paid & pay out anywhere in the world

[Gap | Suby @gaspardlezin]

Suby 🤝 Almanak

Really glad to have worked with the whole Almanak team on Suby's subscriptions, several iterations to get to the launch of their new product.

Thanks for the trust @Panluq & @0xLars_

Go check out their product right now!

[Suby @subyhq]

In payments, everything comes down to your partners.

Since Suby v2, we've worked with several and finding the right setup that actually scales is the part that takes the longest 👇

[Gap | Suby @gaspardlezin]

We're onboarding for Suby v3 starting next week.

One payment platform to get paid, your way:

Payments & Payouts:

- Payins: cards, Apple Pay, Google Pay, Klarna, bank, stablecoins and more
- Unified balance with USD, EUR & USDC, EURC
- Payouts: fiat or stablecoins

Capabilities:

- Billing: subscriptions, one-time, pay-as-you-go & bundles and more
- Invoicing, discount codes, free trials, checkout customisation
- API or no-code

Made for:

- SaaS, e-commerce, agencies & freelancers
- 🇺🇸🇪🇺 US & Europe companies only (for now)

DM to request access 👇

[Suby @subyhq]

Suby v3

A Stripe competitor, offering cross-border payments, card and APM services, and a native stablecoin, is almost here

[Marvin @Ether_MS]

Get ready 👨🏻‍🍳

[Suby @subyhq]

Suby v3 soon.

Your customer taps Apple Pay or pays by card. You get USDC. Your customer pays in BTC. You receive fiat.

Cards, Apple Pay, Google Pay, stablecoins, crypto and more in. Bank or stablecoins out.
Auto-swap does everything in between.

New app, fully rebuilt.

The gap between cash and crypto just disappeared.

[Suby @subyhq]

.@arc live on testnet

[Gap | Suby @gaspardlezin]

France is hardcore mode for founders:

• Pay an employee $5K net → costs you $13K
• Make profit → 30% corporate tax
• Succeed → public calls you an exploiter
• Get famous → kidnapping becomes a real threat

No other country stacks the difficulty this high.

[Gap | Suby @gaspardlezin]

I spent the last 6 months mapping every major card payment player across 6 regions.

The takeaway: "global payments" is a marketing term. The reality is regional.
Global card payment volume crossed $45T in 2024. Four players touch every transaction, in every region, in 2 seconds. Yet most founders default to "we'll just plug Stripe and we're done."

Here's the uncomfortable truth: card infrastructure has always been regional. The strongest players in each step change completely depending on where your customer pays from.

Three years ago, "global card acceptance" meant a handful of US-based PSPs. Today, every region has its own acquirers, schemes, issuers and processors built by people who understand local behavior, regulation, and interchange on the ground.

The Global Card Payments Map:

🇺🇸 North America:
API-first acquiring Acquirers: Stripe, PayPal, Worldpay, Fiserv, Square
Schemes: Visa, Mastercard, American Express, Discover
Issuers: Chase, Wells Fargo, Capital One, Citi, Bank of America
Processors: FIS, Galileo Financial Technologies, Marqeta, i2c Inc.

🇪🇺 Europe: fragmented schemes,
PSD2-native Acquirers: Adyen, Nuvei, Worldline, Nexi Group, Checkout com, Rapyd, Mollie
Schemes: Visa, Mastercard + local (CB, girocard, BANCOMAT)
Issuers: BNP Paribas, Societe Generale, HSBC, Santander, Revolut, N26, Barclays
Processors: Marqeta, Nexi, Tietoevry, Worldline

🇧🇷 LATAM: Elo & Hipercard ≠ optional
Acquirers: Rede, Cielo, Stone, PagSeguro International, dLocal, EBANX
Schemes: Visa, Mastercard, Elo, Hipercard
Issuers: Nubank, Itaú, Santander, Banamex, Bradesco
Processors: FIS, Galileo, Marqeta

🇨🇳🇯🇵 Asia (China & Japan): UnionPay & JCB rewrite the rules
Acquirers: Stripe, Adyen, PayPay, LINE Pay
Schemes: Visa, Mastercard, UnionPay, JCB
Issuers: ICBC, Bank of China, MUFG, Mizuho, DBS
Processors: FIS, Marqeta

🇮🇳 India & SE Asia: RuPay is table stakes
Acquirers: Razorpay, Paytm, PhonePe, Pine Labs, GrabPay
Schemes: Visa, Mastercard, RuPay
Issuers: HDFC, SBI, ICICI, Kotak, Axis
Processors: FIS, Pine Labs, Marqeta

🌍 MEA: Troy, mobile money colliding with cards
Acquirers: Paystack, Checkout com, Fawry, Flutterwave, M-Pesa
Schemes: Visa, Mastercard, Troy
Issuers: HSBC, Emirates NBD, FNB, Standard Bank, QNB
Processors: FIS, Network International, Marqeta

Why this matters:

Stripe charges 2.9% + 30¢ in the US. Brazilian acquirers go under 2%. Adyen processes €1.4T annualized. More UnionPay cards exist than Visa + Mastercard combined (9.6B vs ~5.9B). RuPay went from 3% to 18% of India's credit card market in 3 years.

If you're picking a payment stack in 2026, the right question isn't "who is the Stripe of X?" It's: "Which acquirers, schemes, and processors actually own the rails in each region I serve?"

PS: That's exactly why we built @Subyhq, one card acceptance gateway that speaks all four players, in every region.

[Gap | Suby @gaspardlezin]

My X stats btw

Insane month 800K views overall (LinkedIn & X, one account)

[Gap | Suby @gaspardlezin]

Number 1 thanks to @subyhq

[Gap | Suby @gaspardlezin]

@base Payments are simply better on Base thanks to @subyhq

[Base @base]

Payments are simply better on Base

[Marvin @Ether_MS]

Yesterday: 3D = huge technical barrier, reserved for a niche of designers.

Today with this new tool = total game changer.

Well done 👏

Next step ?

[Claude @claudeai]

Claude now connects to the tools creative professionals already use.

With the new Blender connector, you can debug a scene, build new tools, or batch-apply changes across every object, directly from Claude.

[Suby @subyhq]

Best paylink in the market

fiat to fiat
crypto to crypto
fiat to crypto

crypto to fiat (soon)

[Marvin @Ether_MS]

Winning team 👨🏻‍🍳

[Gap | Suby @gaspardlezin]

I can finally say it

We have the BEST checkout on the market: card & crypto.

Inspiration design: @nickbakeddesign
Fintech design advice: @privetavdey
Figma design: @pankajstwt
Integration: @etherwan_ & @Ether_MS

Available now at @subyhq

[Gap | Suby @gaspardlezin]

I’ve drafted 160 LinkedIn/X post ideas in 1h.

I’ll start scaling content across multiple accounts with @etherwan_ Emil (once his X account is back) and @Ether_MS.

Currently doing 400K views/month alone.

In about 2 months, we’ll be able to hit 2-3M/month (I hope).

[Marvin @Ether_MS]

Time for infra 👀👨🏻‍🍳

[Gap | Suby @gaspardlezin]

We've launched a big product update today with @etherwan_ & @Ether_MS.

This is the last one before we start working on scaling the infrastructure to the same level as giant payment companies.

[Gap | Suby @gaspardlezin]

Very raw video to show you all our progress

Already 500 businesses (SaaS, ecom, Discord, Telegram, freelancers) trust Suby and give a lot of feedback every day to improve it

Locked in to beat the Stripe & Whop mafia

[Gap | Suby @gaspardlezin]

We spent a year in stealth. Building, refusing, iterating. Today we unveil what we built 👇

Just us, our merchants, and the product.

We were heads down looking for product-market fit. That meant saying no to a lot, no shortcuts, no grey-area merchants, no cutting corners on compliance. Just building the right thing for the right people. We found it. Now we grow.

Suby is payment infrastructure for online businesses. Card, e-wallet, bank, and stablecoin. We operate as a Merchant of Record, meaning we handle the payment complexity, the compliance, the reconciliation. So merchants can focus on what they actually do: selling.

We're not just another payment gateway. We're the full stack. Scaling this the right way means having people who fully own their domain.

So here's who's running it:

- @etherwan_ : CTO - API, infra, stack. Every transaction that flows through Suby runs on what he built. Quietly, consistently, at scale.
- @ert_suby: Growth - Acquisition, activation, retention. He turns individual merchants into a network.
- Me: CEO - Business, product, GTM. Connecting the dots between what merchants need and what we build.

And behind all of us, a dedicated legal & compliance team making sure every merchant on Suby operates on solid ground.

One year of stealth taught us one thing: build something real before you talk about it. Now we're talking and if you're selling online, you should be too.

PS: I post about payments, stablecoins & the founder journey every week. Follow me for more!

[Suby @subyhq]

v2 is here