Your universal payment processor.
Cards, ACH, and cross-border rails on one platform — including the high-risk verticals other processors quietly decline. One ledger, one underwriting team, one API.
No setup fees · Same-day underwriting decision · PCI DSS Level 1
- Authorization uplift
- Average time to live
- Currencies supported
- Processed annually
/ trusted rails / real coverage /
/ products
Every payment path
your business will ever need.
Card-present, card-not-present, recurring, cross-border, and bank-to-bank — on a single ledger with a single dashboard and a single underwriting team.
Card Processing
Visa, Mastercard, Amex, Discover, JCB, UnionPay — routed in real time through the acquirer most likely to clear.
ACH & Bank Pay
Same-day ACH, RTP, and FedNow on one endpoint. Plaid-verified accounts, ~40% lower returns.
International
135+ currencies, local acquiring in 47 markets. SEPA, BACS, PIX, iDEAL out of the box.
E-commerce
Drop-in checkout in 10 minutes. Subscriptions with smart dunning. Per-vertical fraud baselines.
Merchant Accounts
Direct MIDs — including high-risk verticals other processors quietly decline. 48-hour decisions.
/ why payveta
Built by operators
tired of processor mediocrity.
Intelligent routing
Every authorization scored in real time. Routed through the acquirer, MID, and 3DS path most likely to clear.
Underwriting that says yes
An in-house team reviews each application. Approvals for verticals others won't touch — with reserve terms you can live with.
One API. One ledger.
A single set of endpoints for cards, ACH, and international rails. Webhooks land in <200 ms. SDKs in 7 languages.
Chargeback shield
Pre-dispute alerts via Ethoca and Verifi, evidence auto-assembly, and representments that win at 2× the industry rate.
Funding on your schedule
T+1 standard, same-day on request. Multi-currency settlement to a bank account in your reporting currency.
Compliance baked in
PCI DSS Level 1, SOC 2 Type II, GDPR-ready EU data residency, KYC/KYB orchestration out of the box.
/ industries
Businesses other processors won't touch.
E-commerce, marketplaces, and high-risk verticals — CBD, firearms, adult, and crypto on/off ramps — all underwritten by the same in-house team. We tell you yes or no within 48 hours, and we don't drop merchants without a heads-up.
- 01 SaaS & Marketplaces in-house
- 02 E-commerce & Retail in-house
- 03 Subscription Commerce in-house
- 04 CBD & Nutraceuticals in-house
- 05 Travel & Hospitality in-house
- 06 Online Education in-house
- 07 Gaming & Digital Goods in-house
- 08 Telemedicine in-house
- 09 Crypto On/Off Ramp in-house
- 010 Adult & Dating in-house
- 011 Firearms & Ammunition in-house
- 012 Coaching & High-Ticket in-house
/ security & compliance
Your card data
never touches your servers.
PayVeta is a Level 1 PCI service provider. Sensitive cardholder data is tokenized in our HSM-backed vault and replayed against any acquirer in our network — so you can switch processors without re-prompting a single customer.
- AES-256 at rest, TLS 1.3 in transit, HSM-protected keys
- Continuous attack-surface monitoring & quarterly pen-tests
- Role-based access with hardware-key 2FA enforced for admins
- Vault tokens portable across MIDs — no vendor lock-in
/ developers
An API your engineers
will actually enjoy.
REST + webhooks, idempotent retries, typed SDKs in Node, Python, Go, Ruby, PHP, Java, and .NET, and a sandbox that mirrors production behavior — including soft declines and 3DS challenges.
- Typed SDKs (TypeScript-first)
- Webhook signing + replay
- Idempotency on every endpoint
- OpenAPI spec + Postman bundle
- Sandbox mirrors prod, incl. declines
- Vault tokens portable between MIDs
// Charge a card, route intelligently, settle next-day.
import PayVeta from '@payveta/node';
const pv = new PayVeta(process.env.PAYVETA_KEY);
const charge = await pv.charges.create({
amount: 4999, // $49.99
currency: 'usd',
source: 'tok_visa_4242',
customer: 'cus_K3R7n9',
capture: true,
metadata: { plan: 'pro_annual' }
});
if (charge.status === 'succeeded') {
console.log('Cleared on', charge.acquirer);
}/ pricing
Transparent. Interchange-plus
from day one.
No setup fees. No PCI fees. No surprise tiered rates.
Startup
card-present & online
- No monthly fee under $1M annual volume
- Standard ACH at 0.6% (capped at $5)
- T+2 settlement, T+1 on request
- Email support, 12h response SLA
Scale
most popular
- Interchange-plus, fully unbundled
- Same-day ACH, RTP, FedNow
- T+1 settlement, multi-currency
- Dedicated success engineer + Slack
- Chargeback Shield (Ethoca + Verifi)
Custom
high-risk or > $25M / yr
- Custom risk model & reserve schedule
- Direct MIDs across multiple acquirers
- Local acquiring in 47 markets
- Bring your own ISO / NAR partner
- Solution architect on call
Interchange and assessment fees passed through at cost. International cards and high-risk verticals priced per quote.
/ faq
Frequently asked questions
01 How fast can I get a merchant account?
Most low-risk applications receive a decision within 24 hours. High-risk applications take up to 48 hours and may require additional documentation. Once approved, your MID is provisioned and you can take live payments the same day.
02 Do you work with high-risk verticals?
Yes. CBD, nutraceuticals, adult, firearms, online gaming, coaching, and crypto on/off ramps are all underwritten in-house. We tell you yes or no within 48 hours — no ghosting, no surprise terminations.
03 What does the integration look like?
Drop-in checkout in 10 minutes, hosted payment links in 30 seconds, or a direct API integration in an afternoon. We provide typed SDKs for Node, Python, Go, Ruby, PHP, Java, and .NET.
04 How is pricing structured?
Interchange-plus from day one. You pay card-brand interchange + assessment fees at cost, plus a transparent PayVeta margin starting at 0.30%. No PCI fees, no setup fees, no tiered surprises.
05 Can I keep my existing customer vault?
Yes. We migrate tokens from Stripe, Adyen, Braintree, Authorize.Net, NMI, and most other processors at no charge. Your customers never re-enter card details.
06 When do funds settle to my bank?
T+1 for cards in the United States as standard. Same-day settlement is available on the Scale plan. Same-day ACH and RTP supported for bank pay.
07 What about chargebacks and disputes?
Every Scale account includes Chargeback Shield: pre-dispute alerts via Ethoca and Verifi, automated evidence assembly, and representment win rates ~2× the industry average.
08 Where is PayVeta available?
We acquire locally in 47 markets across North America, Europe, the UK, LATAM, APAC, and Oceania, and process payments in 135+ currencies.
Start accepting payments today.
Underwriting decisions in <48 hours. Cards, ACH, and international rails on one platform.