Merchant Mate
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Global merchant acquiring

Accept cards anywhere. Settle everywhere.

Merchant Mate is a global credit‑card processing platform for modern merchants. Onboard fast, reduce fraud, and boost approval rates with a unified API across 180+ countries.

Create accountView APIs
PCI‑DSS ready • 3‑D Secure • Tokenization • Network token updates
Auth. Rate
98.7%
Chargeback
0.38%
Latency
142 ms
Live Volume
00:0006:0012:0018:0024:00
PCI‑DSS Ready
Tokenization & card vault
3‑D Secure
SCA & frictionless flows
AML/KYC
Global onboarding
Fraud Shield
Rules, velocity, ML
Trusted by fast‑growing brands
Astra
Nimbus
Falcon
Vertex
Quanta
Helio

Estimate your processing costs

Estimated txns
500
Interchange %
1.40%
Interchange fixed
USD 50.00
Merchant Mate markup
USD 62.50
Effective rate
1.85%

Quick facts

  • • 135+ currencies & local settlement
  • • BIN routing & smart retries
  • • Dispute management & evidence kit
  • • Payouts T+1 / T+2 (region‑dependent)
  • • Web, SDKs, and server APIs
Start now

Everything you need to scale payments

Global acquiring

Accept Visa, Mastercard, Amex, UnionPay & local schemes with one contract.

Risk & fraud

3‑D Secure, velocity rules, allow/deny lists, machine‑learning scoring.

Smart routing

Optimize auth rates with BIN intelligence, token updates, and retries.

Embeddable checkout

Drop‑in UI, SDKs, Apple Pay & Google Pay, 40+ languages.

Payouts & settlement

Automated reconciliation, multi‑currency, split payouts.

Reporting API

Real‑time ledger, dispute evidence, webhook events.

Simple, transparent pricing

Starter
Free
Processing: 2.9% + 0.25
  • • No monthly fee
  • • Standard support
  • • SDKs & Checkout
Create account
Scale
$49/mo
Processing: Interchange++ + 0.25%
  • • Priority support
  • • Risk rules
  • • Advanced analytics
Start free trial
Enterprise
Free
Processing: Custom
  • • Dedicated SLA
  • • Volume pricing
  • • Premium onboarding
Talk to sales

Developer‑first APIs

A unified SDK & webhook system makes it easy to authorize, capture, refund, and reconcile payments across regions. Sample below, full reference in docs.

  • • Drop‑in checkout & tokenization
  • • Test cards & sandbox
  • • Webhooks for disputes & payouts
POST /v1/payments
Authorization: Bearer <secret>
Content-Type: application/json

{
  "amount": 4200,
  "currency": "USD",
  "source": "tok_visa",
  "description": "Order #10045",
  "capture": true,
  "metadata": { "customer_id": "cus_8F3..." }
}

Frequently asked questions

We support onboarding in 180+ countries and settlement in 40+ currencies. Availability varies by entity type and region.

Ready to process globally?

Create your Merchant Mate account and start accepting cards today. No setup fee.