If Stripe freezes your account, PayPal randomly locks your funds, or your bank decides AI infrastructure is "high risk" — your tool keeps taking money.
"One quote, five rails. Client picks. The receipt is Ed25519-signed by you so it's auditable. If any rail dies, the others continue. Sovereign cashflow."
| Threat | fallpay response |
|---|---|
| Stripe randomly freezes (very common for AI/SaaS) | Client can choose PayPal / crypto / Wise / bank transfer |
| PayPal holds funds for 180 days | Stripe and crypto rails unaffected |
| Client's country has restricted card networks | Crypto + Wise + invoice work everywhere |
| High-trust enterprise client wants an invoice not a card | Invoice rail · PO number field · signed receipt |
| Privacy-concerned client wants no payment processor at all | Direct crypto address with on-chain verification |
Every fallpay receipt is JSON. The receipt contents are signed with your fallshield Ed25519 key:
{
"kind": "fallpay/quote",
"version": "1.0",
"issuer": "Simon Gant · AI Native Solutions",
"issuer_pubkey": "<base64 ed25519>",
"client": "Acme Ltd",
"amount": 2500,
"currency": "GBP",
"for": "Sovereign CRM build",
"issued": "2026-05-30T22:00:00Z",
"expires": "2026-06-13T22:00:00Z",
"rails": [
{ "kind": "stripe", "link": "https://buy.stripe.com/..." },
{ "kind": "paypal", "link": "https://paypal.me/ainativesolutions/2500" },
{ "kind": "invoice", "ref": "AIN-2026-001" }
],
"signature": "<base64 ed25519 signature over the canonical JSON>"
}Client downloads the receipt JSON. Anyone can verify it was issued by your real key. The signed quote stands even if any rail dies before payment clears.
<script src="https://sjgant80-hub.github.io/fallshield/fallshield-shim.js"></script>
<script src="https://sjgant80-hub.github.io/fallpay/fallpay-shim.js"></script>
<script>
const r = await FallPay.quote({
client: 'Acme Ltd',
amount: 2500,
currency: 'GBP',
for: 'Sovereign CRM build',
rails: ['stripe','paypal','invoice'],
issuer_secret: localStorage.getItem('fallshield.master.secret')
});
console.log(r); // signed JSON · share with client
</script>MIT · part of AI Native Solutions · source