EPaySe
Multi-PSP payment gateway

Enterprise Payment Gateway for High-Risk Businesses

Multi-PSP routing, rule-based fraud prevention, and 99.9% uptime measured on the public status page. Built on card networks reaching 173+ countries.

Multi-PSP
Smart routing
Sandbox
Test environment
0+
Countries (card reach)
0.0%
Uptime (status page)

Payment methods we support

Visa
Mastercard
American Express
Apple Pay
Google Pay
Alipay
WeChat Pay
Klarna
UnionPay
JCB
Discover
Maestro
Diners Club
iDEAL
SEPA
Giropay
Samsung Pay
Skrill
Bancontact
EPS
Przelewy24

Built for High-Risk, Designed for Growth

Everything you need to prepare for global card acceptance, prevent fraud, and scale your business.

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Multi-PSP Intelligence

Automatic failover across multiple payment providers, with routing designed to favour the acquirer most likely to approve each transaction.

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Advanced Fraud Prevention

Rule-based fraud detection with a custom rules engine. Real-time monitoring and automated responses.

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High-Risk Expertise

KYB review built for regulated and high-risk verticals, reviewed case by case. Every fee is named in your contract before you sign.

Powerful Features for Payment Processing

Everything you need to process payments, manage risk, and grow your business.

Payment Processing

Built to Accept Cards Globally

  • Built for card payments (Visa, Mastercard, AMEX)
  • Mobile-optimized payment forms
  • 3-D Secure 2.0 support

Built for High-Risk & Regulated Industries

We work with businesses across a wide range of high-risk and regulated industries. Every account is reviewed and approved case by case — talk to us about your specific business.

  • Multi-PSP routing tuned to elevated-risk transaction patterns
  • Rule-based fraud prevention and chargeback protection
  • Compliance and KYB review built for regulated businesses
  • Discreet billing and flexible processing where your business needs it
Talk to Our Team

Security & Trust

Real safeguards on every transaction — and an honest account of where we are.

HMAC-signed API

Every API request is signed with HMAC-SHA256 to prevent tampering.

3D Secure

Strong customer authentication to reduce fraud.

Encryption

TLS in transit and encryption at rest; card numbers and CVV are never stored.

Replay protection

Nonce and time-window checks block replayed requests.

Sanctions screening

OFAC and sanctions checks run before a transaction routes.

Encryption

TLS 1.3 in transit; sensitive data encrypted at rest.

Early access

We're onboarding our first design partners

EPaySe is early. Instead of showing customer logos we don't have yet, we're inviting a small number of merchants as design partners — integrated and supported directly by the EPaySe team.

— The EPaySe team

Become a design partner

How we protect your payments

HMAC-signed APIs with nonce and timestamp replay protection
Encrypted in transit & at rest; card numbers and CVV never stored
GDPR compliant
Partner Program

Earn While You Grow

Refer merchants to EPaySe and earn recurring commissions on every transaction — up to 3 tiers deep.

3-Tier Commissions

Earn recurring, tiered commissions across 3 referral levels — paid on every settled transaction.

Instant Activation

Your referral code and QR code are generated the moment you verify your email.

Real-Time Dashboard

Track every referral, monitor commissions, and export detailed reports from your partner dashboard.

Pricing

Pricing, Quoted Per Merchant

We price card processing against your business type, volume and risk profile, and agree it in writing before you go live. No public rate card, because a real rate depends on facts we do not know yet.

What your rate depends on

  • Your industry and its typical chargeback exposure
  • Expected monthly volume and average transaction size
  • Chargeback and refund history, where you have one
  • Settlement schedule and rolling-reserve terms

Included with every account

  • Multi-PSP routing built to retry a decline with another acquirer
  • Rule-based fraud scoring with a custom rules engine
  • Chargeback monitoring, alerts and representment tooling
  • Reserve management, settlement reports and balance tracking
  • Full sandbox with test cards and webhooks
  • REST API and webhooks today; SDKs (PHP, JavaScript, Python) in development

What you may be billed for

Categories that can apply once we quote your account — not every merchant is billed every category.

  • Setup fee
    Charged only after your application is approved
  • Additional website fee
  • Monthly fee
    Waived once your volume crosses an agreed threshold
  • Card processing rate
  • Per-transaction fee
  • Cross-border fee
    Includes the card network's own cross-border fee, passed through at cost
  • Rolling reserve
    5.00%–15.00% · 90–270 days
  • Chargeback fee
  • Refund fee
  • Payout fee (Not yet available)

Getting a quote

Complete KYB and we will come back with a written rate for your business. You can build and test against the sandbox while that happens.

Card processing is the payment method we support today. Rates are agreed per merchant; nothing here is an offer or a binding quote.

Latest from Our Blog

Stay updated with payment industry trends and best practices

Merchant Guides

How to Create a Payment Link

How to create, share, and cancel a payment link from your EPaySe merchant dashboard.

1 min read
Merchant Guides

How to Whitelist a Website

How to submit a website for review so it can accept payments through your EPaySe account.

1 min read
Merchant Guides

How to Run Financial Reports

How to run and export Trial Balance, Cash Flow, Profit & Loss, and Summary reports from your EPaySe merchant dashboard.

1 min read

Frequently Asked Questions

Everything you need to know about EPaySe payment gateway.

Ready to Scale Your High-Risk Business?

Apply for your EPaySe account and build against sandbox today.

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