Accept payments anywhere your customers are
One integration for hosted and embedded checkout, payment links and invoicing — across cards, wallets and 135+ local methods. Conversion features come switched on, not sold as add-ons.
PCI DSS Level 1 · SCA-ready · 135+ currencies · Go live in days
Four surfaces, one balance
Mix and match the experiences that fit each flow. Every charge lands in the same ledger and settles to the same T+1 payout — no separate processors to reconcile.
Hosted checkout
A fully managed, conversion-optimized payment page. Drop in a link or redirect — we handle SCA, retries and receipts so you ship in an afternoon.
Embedded elements
Pre-built, themable card and wallet fields you mount inside your own UI. PCI scope stays with us; the experience stays yours.
Payment links
Generate a shareable, no-code link for any amount or product. Perfect for social selling, support flows and one-off invoices.
Invoicing
Send branded invoices with due dates, partial payments and automatic reminders. Reconciled to the settlement the moment they clear.
Every way the world pays
Present the right methods for each shopper automatically, based on country, currency and device. Settle it all in one place across 135+ currencies, with local acquiring where it lifts approval rates.
- Visa
- Mastercard
- American Express
- Discover
- JCB
- UnionPay
- Apple Pay
- Google Pay
- Click to Pay
- PayPal
- Link
- SEPA Direct Debit
- iDEAL
- Bancontact
- Sofort
- ACH
- Pix
- Boleto
- Klarna
- Afterpay
- Affirm
- Zip
Your brand, our infrastructure
Match the checkout to your product down to the corner radius, logo and accent color — no redirect that breaks the flow. Shoppers see your name on the page and on their statement, while the PCI burden stays entirely with us.
- Custom logo, colors, fonts and statement descriptor
- One-tap Apple Pay and Google Pay above the fold
- Localized in 30+ languages and right-to-left scripts
Secured by Cobaltpay · 3-D Secure 2
Approve more of the payments you already have
The difference between a good processor and a great one is the transaction that nearly failed. These run on every charge — no extra SDK, no extra line item.
3-D Secure 2 & SCA
Frictionless authentication that only steps up when the issuer asks for it. Exemptions are requested automatically to keep approval rates high.
Smart retries
Soft declines are retried on the optimal day and rail, with issuer-aware backoff. Recover revenue you would otherwise write off as failed.
Network tokenization
Cards are stored as network tokens that auto-update on expiry or reissue, so saved-card and subscription charges keep clearing.
Adaptive routing
Every transaction is routed to the acquirer and BIN path most likely to authorize, balancing cost and approval in real time.
Compliance handled, end to end
Cobaltpay is a PCI DSS Level 1 payment facilitator, so your merchants inherit our compliance instead of building and auditing their own.
PCI DSS Level 1
Highest level of card-data security, certified annually.
SCA & 3-D Secure 2
Strong customer authentication built into every flow.
SOC 2 Type II
Independently audited controls and processes.
GDPR ready
Data residency and processing you can document.
KYC / AML
Automated identity and sanctions screening at onboarding.
Tokenized vault
Card data is tokenized; raw PANs never touch your servers.
Encryption
AES-256 at rest, TLS 1.2+ in transit, everywhere.
24/7 monitoring
Real-time fraud and anomaly detection across rails.
Start moving money in days, not months.
Onboard merchants, accept payments and settle payouts on one platform. Go live with sandbox keys today and switch to production once your first account passes KYC.
or talk to our teamNo setup fees · No monthly minimums · PCI DSS Level 1