Denied elsewhere?
Live here in 5 days.
End-to-end payment infrastructure for high-risk merchants. Visa and Mastercard acquiring, Apple Pay and Google Pay on request, payment links for invoicing. One onboarding.
- Go live
- < 5 days
- Settlements
- T+1–T+7
- Minimum volume
- None
Sound familiar?
Tired of getting
burned?
- 01Account frozen the week your sales finally took off
- 02Denied with no reason and no one to call
- 03Funds held for months on money you already earned
- 04Paid a “high-risk specialist” who went quiet
- 05Surprise reserves buried on page 14 of the contract
- 06No idea which order a chargeback came from
How PepperPay works instead
A real onboarding
Send your business details, pass KYC, get a decision. No black box.
Terms on one page
MDR, rolling reserve, settlement window and setup fee, stated before you sign.
Live in under 5 days
From approval to processing, typically inside a working week.
Your own dashboard
Every payment, refund and chargeback for your store, live, with webhooks.
How money moves
Every way to get paid. One onboarding.
Cards, wallets and payment links flow through PepperPay to your settlement, and every transaction shows up in your own dashboard.
Our offer
What you get
Visa
Card acquiring
Mastercard
Card acquiring
Apple / Google Pay
Wallet checkout
On requestPayment Links
For invoicing
Apple Pay and Google Pay are optional and available on request. Wallet approval takes longer than standard card onboarding.
Commercial terms
No fine print games.
The terms below are the terms. You'll see your exact numbers before you sign anything.
US · UK · EU · ROW
Processing geographies
10–14%*
MDR pricing
10%
Rolling reserve
< 5 days
Go live
T+1 – T+7
Settlements
depending on MID
Crypto stablecoin withdrawal only$1,000–$1,500*
Setup fee
KYC
Requirements
Onboard the business and pass KYC to complete approval. No minimum volume requirements.
* MDR and setup fee are volume and industry dependent.
Merchant dashboard
See every dollar. In real time.
No more guessing where your money is. Every merchant gets their own login.
- Payments, declines and approval rates
- Refunds you can issue yourself
- Chargebacks traced back to the exact order
- Payment links and invoices
- Signed webhooks to your own systems
- CSV exports for your accountant
Gross volume
$48,212
Approval rate
89.4%
Chargebacks
0.42%
- Patricia A.Payment+$149.21
- Dana M.Refund−$24.00
- Prabhjit P.Payment+$157.71
- Jennifer H.Payment+$164.41
Onboarding
From hello to processing.
- 1
Send details
Tell us about your business, products and volume.
- 2
Pass KYC
Standard business verification to complete approval.
- 3
Integrate
Plug in your checkout, or start with payment links.
- 4
Go live
Processing in under 5 days.
FAQ
Straight answers.
Peptides, nutraceuticals, CBD & hemp, tobacco, gaming, travel, subscriptions and data brokering. If you're high-risk and not on the list, send your details anyway and we'll tell you straight.
Ready to start onboarding?
Stop getting burned.
Start processing.
Send over the business details and we will come back with a decision.