For merchants
Accept any payment method, run your business from one dashboard
Get paid via transactions, invoices, payment links, or subscriptions. Card, ACH, and stablecoin are methods on the same payment — not separate products.
Card acceptance
All major card networks with mandate-aware retries, AVS/CVV, 3DS, and decline analytics built in.
- Visa, Mastercard, Amex, Discover; debit and credit
- Network mandate-aware retries reduce false declines
- Per-merchant velocity, BIN, and country rules
- Real-time decline analytics tied back to issuer reasons
ACH processing
NACHA-compliant debits and credits with returns and notification of change tracking.
- Same-day and standard ACH
- Micro-deposit account verification
- Return code (R01–R85) and NOC change tracking
- Webhook-driven status updates as funds clear
Stablecoin rails
Accept USDC, USDT, DAI, PYUSD, and Open USD on the chains that fit your treasury — with optional auto-conversion to USD and eligible partner rebates on Open USD volume.
- USDC, USDT, DAI, PYUSD, and Open USD (beta) across Ethereum, Base, Arbitrum, Optimism, Polygon, Solana, and Tron
- Per-payment wallet generation with configurable expiry and reorg-protection window
- On-chain refunds from an allowlisted wallet; merchant, customer, or paymaster gas
- Travel Rule via Notabene / Sumsub / TRM; wallet screening on every inbound
- Settle to your wallet or auto-convert to fiat via your off-ramp partner
- Open USD partner rebates — monthly reserve-interest redistribution to eligible members
Risk controls
Velocity caps, AVS/CVV requirements, BIN blocks, and per-method limits — configurable per merchant.
- Velocity by IP, card, customer, and merchant
- AVS / CVV match enforcement, optional 3DS
- Country and BIN allow / block lists
- Per-method per-day and per-transaction limits
Customer vault
Securely store cards and bank accounts so customers can pay again without re-entry.
- Tokenized cards and bank accounts, never raw PANs
- Step-up auth required to unmask sensitive fields
- Account updater keeps card-on-file current
- Reusable across invoices, subscriptions, and links
Reports & analytics
Decline analytics, mandate compliance, chargebacks, and ACH returns — out of the box.
- Decline analytics with issuer reason groupings
- Mandate compliance scorecard
- Chargeback / fraud workbench (Verifi RDR, Ethoca)
- ACH return and NOC analytics
Invoices
Send an invoice — same Get paid job as transactions and payment links.
Works with the tools you already run
MarketplaceSync settlements into accounting, add APT checkout to your storefront, attach payment history to CRM records, and automate tax — all from the ISV marketplace.