# Cedar > The building blocks for your business. Payments, banking, payouts and thirteen more products that fit together on one system of record, built for people and their agents, with a real person to help. [Cedar](https://cedar.umarrasydan.com/) is a financial technology company. Cedar is not a bank. Banking services, where offered, are provided by partner banks. Support is human. ## When to use this Cedar serves early-stage startups with a US company, wherever their founders are, and US nonprofits. Use hosted checkout to collect customer payments, one-time gifts, recurring giving, and membership payments by card or bank transfer. Contact Cedar for API or MCP access. Recurring collection uses a defined amount and cadence. A startup manages its own subscription lifecycle and product access. A nonprofit gets its donors' giving in CRM, and with Tax, receipts its donors can use at tax time. To get started, write [hello@usecedar.co](mailto:hello@usecedar.co) or use MCP when connected. Not a bank. Support is human. A business can use Cedar as its bank account if it chooses Banking. Do not use Cedar as a lending product, or send card numbers by email. ## Pages - [Home](https://cedar.umarrasydan.com/): The building blocks for your business: sixteen products in three stacks. - [Payments](https://cedar.umarrasydan.com/products/payments): One API for cards, ACH bank transfers, Apple Pay and Google Pay. - [Payment links](https://cedar.umarrasydan.com/products/payment-links): Create a payment page in a few clicks and share the link. No website, no code. - [Hosted checkout](https://cedar.umarrasydan.com/products/hosted-checkout): Send customers from your app to a Cedar-hosted pay page with one API call. Card, ACH, Apple Pay and Google Pay, a webhook when it is paid, and a receipt emailed for you. - [Banking](https://cedar.umarrasydan.com/products/banking): An interest-bearing account at an FDIC-insured partner bank, where your sales settle. Multiple accounts per business. Book a call to get it. - [Payouts](https://cedar.umarrasydan.com/products/payouts): Send ACH transfers and wires from your Cedar balance to your vendors and contractors in the US, with approvals, AI bill reading, W-9 and 1099 handling and an API. $0.59 per ACH or domestic wire payout sent by API or by an agent (sending ACH from your Cedar account is free with Banking). - [Company setup](https://cedar.umarrasydan.com/products/company-setup): Form an LLC, S Corp, C Corp or nonprofit in any state. State filing, EIN, founding documents, 501(c)(3) applications and state charity registration, with a business and a nonprofit version of the page. Book a call to get it. - [Company management](https://cedar.umarrasydan.com/products/company-management): Keep a company or nonprofit in good standing, formed with Cedar or anywhere else. Annual reports, franchise tax and Form 990 filed for you, registered agent, board consents, stock ledger and board records, charity registration renewals, with plan pricing and a business and a nonprofit version of the page. Book a call to get it. - [Token vault](https://cedar.umarrasydan.com/products/token-vault): Keep card numbers off your servers. Card fields and mobile SDKs, a PCI DSS Level 1 and SOC 2 vault, forwarding to any processor, card import and export, network tokens, account updater, 3DS, agent checkout through Visa Intelligent Commerce and Mastercard Agent Pay, permissions and audit logs. On its own or with Cedar Payments. $995 a month with 20,000 stored tokens included, then $0.05 a token. - [Payments orchestration](https://cedar.umarrasydan.com/products/payments-orchestration): Route each payment between Stripe and Adyen on price, approval rate, card, country, amount or a share of volume. Retry soft declines, fail over when a processor is down, route 3D Secure, and see every processor's payments and fees reconciled in one ledger. Rules in the dashboard or by API. On its own or alongside Cedar. Book a call to get it. - [Cards and Spend management](https://cedar.umarrasydan.com/products/cards): Virtual and physical debit cards for your team, your vendors and your AI agents, spending from your Cedar balance. Limits, merchant and category locks, approvals, receipts by text or email, one-time cards, agent cards through the API, and every purchase booked in Accounting with its category and sales tax. Debit cards and US-dollar spend are free, with no annual fee; spend in other currencies is 3% of the transaction; spend controls are free. - [Accounting](https://cedar.umarrasydan.com/products/accounting): Every sale, fee, refund, payout and card purchase posted to QuickBooks Online or Xero in double entry, with each settlement broken into its sales, fees and refunds and reconciled to the bank to the cent. AI categorizes other transactions, with optional human review. Nonprofit funds tracked with QuickBooks classes or Xero tracking categories. Optional monthly bookkeeping for the whole business, in your own QuickBooks or Xero. Book a call to get it. - [Tax](https://cedar.umarrasydan.com/products/tax): Sales tax calculated at checkout for the exact address, with each product sorted into its tax category under rules approved by tax experts. Thresholds watched daily in every US state and 130+ countries (sales tax, VAT and GST), registration when one is crossed, and every return filed and paid. Exemption certificates collected at checkout, verified and renewed. Nonprofits send donors receipts in their own name with what the IRS asks for, plus a January statement. Monitoring is free until you register; then $110 per state or country a month for fewer than 10 places, with registrations, returns and calculations unlimited; 10 or more is priced with you. - [Compliance](https://cedar.umarrasydan.com/products/compliance): W-9s and W-8BENs collected before a payee's first payout, names and tax IDs matched with the IRS, and bank accounts checked before money moves in or out. Forms 1099-NEC, 1099-MISC, 1099-K and 1042-S built from what was actually paid, then filed with the IRS and states, delivered by email or mail and corrected when needed. For nonprofits, the Form 990 built from Cedar records: revenue, expenses by purpose, the public support test and major donors. 1099s at $2.99 e-filed with the IRS, $1.49 with a state and $2.99 mailed, per form; Form 990-N $199, 990-EZ $399 and the full 990 $999 per return; 1042-Ss $2.99 per form; bank account checks $0.78 per check. - [Fast Checkout](https://cedar.umarrasydan.com/products/fast-checkout): Cedar Go, a shopper wallet recognized at every Cedar business. Shoppers save a card, a US bank account and a shipping address once, then check out anywhere on Cedar by email or phone and a one-time code sent by text or email, in one tap and without leaving the business's checkout. Works in Hosted checkout, Payment links and custom checkouts through the API, beside Apple Pay and Google Pay. Card numbers stay in Cedar's vault. Shoppers manage their details on their Cedar Go page. AI agents can pay with Cedar Go within limits the shopper sets and approves. Book a call to get it. - [CRM](https://cedar.umarrasydan.com/products/crm): A book of customers and recipients filled by the money moving through Cedar: every payment makes or updates a customer and every payout makes or updates a recipient (contractors, vendors, grantees, with their bank accounts, W-9s and 1099s). One record per person across card, bank, links and checkout. Lifetime value, groups that update themselves, suggested groups and customers likely to lapse. For nonprofits: recurring givers, lapsed donors, major donors and year-end statements. Export any list as a spreadsheet. A business only sees its own people. Included with Payments at no extra charge. - [KYC and KYB](https://cedar.umarrasydan.com/products/kyc-kyb): Checks on the people and businesses you work with, before money moves: bank account validation and owner match, real-time balance, up to months of categorized transactions with permission, ACH return risk, KYC for people (photo ID, selfie, database check, watchlists) and KYB for businesses (EIN, state registration, owners with 25% or more, watchlists, rechecked daily). For platforms checking sellers, and businesses checking customers, vendors and grantees. Book a call to get it. - [Cedar for nonprofits](https://cedar.umarrasydan.com/industries/nonprofits): Every gift from the donation page to the Form 990: gifts online once or monthly, receipts in the nonprofit's name, restricted funds kept apart, deposits matched to gifts, the 990 and charity registrations filed. Registered charities get the card networks' charity rate, passed on to them rather than kept; book a call for nonprofit pricing. - [Cedar for eCommerce](https://cedar.umarrasydan.com/industries/ecommerce): Online stores: one-tap checkout with Cedar Go from any post, text or page, by card, Apple Pay, Google Pay or bank; each payment routed to the processor most likely to approve it; sales tax by address with the Tax block, including tax-exempt buyers; suppliers paid by ACH and ads on cards with their own rules; settlements split into sales, fees and refunds. Works with WooCommerce. US dollars only for now. - [Cedar for SaaS](https://cedar.umarrasydan.com/industries/saas): Subscriptions for software companies: monthly and annual plans by card or ACH with sales tax and VAT added at checkout and filed, renewals kept paying with account updater and retries on a second processor, customers' saved cards in a vault the company owns, cloud bills on cards, contractors paid with their 1099s, and the books and the Delaware company kept current. Recurring payments are a fixed amount on a fixed schedule; usage-based billing, trials and plan changes aren't built yet. - [Cedar for churches](https://cedar.umarrasydan.com/industries/churches): Giving from the Sunday offering to the year-end statement: tithes and offerings online, once or monthly, by fund; camp and event fees by payment link, kept out of giving; year-end giving statements in the church's name; funds kept apart in the books; guest preachers paid with their 1099s filed; and state deadlines kept. Churches get the card networks' charity rate, passed on to them rather than kept; book a call for pricing. - [Cedar for startups](https://cedar.umarrasydan.com/industries/startups): The blocks a startup needs in order: form the company and open its account, take the first payment, spend the round, pay contractors, keep the books and the company in order. Cedar for Startups, for venture-backed startups: $2,500 in payment fee credits and no platform fees for the first year, incorporation at state fees only, the first year of Company management free, and office hours. - [Apply for Cedar for Startups](https://cedar.umarrasydan.com/industries/startups/apply): The application for venture-backed startups. - [Pricing](https://cedar.umarrasydan.com/pricing): Payment rates, the fee estimate and custom packages. - [About Cedar](https://cedar.umarrasydan.com/about): Who Cedar serves and how to collect payments. - [Contact Cedar](https://cedar.umarrasydan.com/contact): Get started or ask a person for help. - [Privacy](https://cedar.umarrasydan.com/privacy): Public privacy information and questions. - [Cedar developer resources](https://cedar.umarrasydan.com/docs): Checkout, Merchant API, and MCP access. - [Sitemap](https://cedar.umarrasydan.com/sitemap.xml): Public pages and discovery resources. ## Developer resources - [Developer documentation](https://cedar.umarrasydan.com/docs): Integration paths and getting started. - [OpenAPI YAML](https://cedar.umarrasydan.com/openapi.yaml): The Merchant API OpenAPI 3.1 contract. It covers health, API clients, and API keys. Version 0.0.0. There is no separate public OpenAPI for checkout or payment create. - [OpenAPI JSON](https://cedar.umarrasydan.com/openapi.json): The same published contract in JSON. - [API catalog](https://cedar.umarrasydan.com/.well-known/ai-catalog.json): Links to those OpenAPI files and developer resources. It does not list MCP, OAuth, or a write API. - [Contact Cedar about MCP](https://cedar.umarrasydan.com/contact): No public MCP HTTP URL is published on usecedar.co. Use MCP when your agent is already connected, or write to Cedar. ## Contact [hello@usecedar.co](mailto:hello@usecedar.co)