Best Fintech App
Chime
Fee-free banking with early pay and mobile-first account access.
Free plan
- Web app
- iOS (iPhone & iPad)
- Android
What is tiun?
Auth, payments and customer data in one merchant-of-record stack tiun is a developer platform that bundles sign-in, payments and a customer database in one place.
Our verdict
One system for login, billing and customer data removes a lot of glue code for small SaaS teams, and the fee table is public with no monthly minimum on the Free plan.
Full review
tiun is a developer platform that bundles sign-in, payments and a customer database in one place. It acts as the merchant of record, so tiun is the seller on your transactions and handles the tax and compliance side, rather than you wiring Stripe, an auth provider and an analytics tool together yourself.
The pitch is that identity, billing and usage data live in the same system, so you can see who a customer is, what they paid and what they did without syncing three tools. An AI-native analytics add-on sits on top, and tiun publishes an MCP install so coding agents can set it up: npx skills add https://mcp.tiun.business.
Pricing is simple to read. The Free plan has no monthly fee and charges 2.9% plus $0.30 per transaction, with 0.5% on subscription payments, 1.5% on payouts and a $15 dispute fee. Payouts run monthly with a $200 minimum. AI analytics
tiun is a developer platform that bundles sign-in, payments and a customer database in one place. It acts as the merchant of record, so tiun is the seller on your transactions and handles the tax and compliance side, rather than you wiring Stripe, an auth provider and an analytics tool together yourself.
The pitch is that identity, billing and usage data live in the same system, so you can see who a customer is, what they paid and what they did without syncing three tools. An AI-native analytics add-on sits on top, and tiun publishes an MCP install so coding agents can set it up: npx skills add https://mcp.tiun.business.
Pricing is simple to read. The Free plan has no monthly fee and charges 2.9% plus $0.30 per transaction, with 0.5% on subscription payments, 1.5% on payouts and a $15 dispute fee. Payouts run monthly with a $200 minimum. AI analytics is $17 a month, and Enterprise is custom.
Treat it as an early product. I could not verify customer counts or independent reviews, so test it with a small product before moving a live billing setup over.
Who it's for
Best for
- Indie developers and early SaaS teams selling globally who want a merchant of record plus auth and analytics from one vendor.
Not ideal for
- Teams that need weekly payouts
- have complex existing Stripe setups
- or want a long track record before trusting a payments partner.
How we tested
AppsInsight desk research by Deepika Pandey, October 5, 2026. Sources: tiun.io and tiun.io/pricing. I did not create an account or process a payment, so fees and features are as published by tiun.
What's new
Listed from the public tiun site; no changelog reviewed.
At a glance
| Pricing | Usage-based |
|---|---|
| Starting price | $0 |
| Free plan | No |
| Free trial | No |
| Pricing page | View pricing |
| Platforms | Web app, API / SDK |
| API | No |
| Company | tiun |
| Apps Insight Score | 37/100 |
| Implementation | Easy |
| Learning curve | Intermediate |
Why this app scored 37/100
Editorial Review 22/30
- Product quality 6/10 6/10
- Ease of use 4/5 4/5
- Feature depth 3/5 3/5
- Innovation 4/5 4/5
- Value for money 3/3 3/3
- Recommendation confidence 2/2 2/2
Trust & Verification 4/25
- AppsInsight badge installed Badge not installed 0/15
- HTTPS website HTTPS 1/1
- Business support email Missing 0/1
- Privacy policy published Missing 0/2
- Terms of service published Missing 0/1
- Security certifications None listed 0/2
- Knowledge base / help center Provided 2/2
- Social profiles linked 2 profiles linked 1/1
Community 0/20
- Verified reviews & rating 0 reviews (5 needed) 0/15
- Recent reviews No reviews yet 0/5
Product Profile 8/20
- Detailed description 183 words 1/3
- Screenshots 2 screenshots 1/3
- Demo video No demo video 0/2
- FAQ 4 items 1/2
- Feature list 6 items 1/2
- Pricing published Plan tiers published 3/3
- Pros & cons Pros & cons listed 1/1
- Integrations 0 integrations 0/2
- API available No 0/1
- Company details 1 of 3 details filled 0/1
Freshness 3/5
- Listing recently updated Updated 0 days ago 3/3
- Recent changelog entry No changelog entries 0/2
Editorial points are assigned by AppsInsight editors and cannot be purchased or influenced.
Built for
How tiun compares
| Feature | tiun | Chime | Stripe | CREEM |
|---|---|---|---|---|
| Rating | 3.0 / 5 | 5.0 / 5 | 4.6 / 5 | 3.0 / 5 |
| Pricing | Usage-based | Free plan | Usage-based | Usage-based |
| Starting price | $0 | Free | 2.9% + 30¢ per transaction | 3.9% + $0.40 |
| Free plan | Included | Included | Included | Included |
| Free trial | No | No | No | No |
| Platforms | Web app, API / SDK | Web app, iOS (iPhone & iPad), Android | Web app | Web app, API / SDK, CLI / Terminal |
| Best for | Indie developers and early SaaS teams selling globally who want a merchant of record plus auth and analytics from one vendor. | Solo creators, SMB marketing teams, freelancers, hourly workers, budget-conscious consumers, buyers who want fee-free mobile banking | SaaS, marketplaces, e-commerce | Indie developers and small SaaS teams selling digital products globally who want tax compliance handled for them. |
Key features
Merchant of record
tiun is the seller on your transactions and handles the tax and compliance side.
Built-in authentication
User sign-in lives in the same system as billing and customer records.
Customer database
One record per customer joining identity, payments and usage.
AI-native analytics
Optional add-on at $17 a month for asking questions about your customer data.
MCP install for coding agents
Set up through the published command npx skills add https://mcp.tiun.business.
Docs
Developer documentation at docs.tiun.io.
Key benefits
- Replaces separate auth, payments and analytics tools.
- Free plan with no monthly fee.
- Merchant of record takes on tax handling.
Pricing
Usage-based$0
Solo
Free
$0 /mo
- 2.9% + $0.30 per transaction;0.5% on subscription payments;1.5% on payouts;$15 dispute fee;Monthly payouts
- $200 minimum
Solo
AI analytics add-on
$17 /mo
- AI-native analytics on your customer data
Enterprise
Enterprise
Custom /mo
- Custom terms
- contact tiun
Pros & Cons
Pros
- Public fee table with no monthly minimum on Free.
- Auth, billing and customer data in one place.
- MCP setup for AI coding agents.
Cons
- Payouts are monthly with a $200 minimum.
- Per-transaction fees add up at volume (2.9% + $0.30).
- New vendor with little independent review history.
Screenshots & media
tiun alternatives
View all alternatives
More Payments apps
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Frequently asked questions
What is tiun?
A platform that combines authentication, payments as merchant of record, a customer database and analytics.
How much does tiun cost?
The Free plan has no monthly fee and charges 2.9% + $0.30 per transaction. AI analytics is $17 a month and Enterprise is custom.
How often are payouts made?
Monthly, with a $200 minimum, on the Free plan as published.
Does tiun work with AI coding agents?
tiun publishes an MCP install: npx skills add https://mcp.tiun.business.