Sell globally.We carry the payment risk.
PrimeCards is the merchant of record for your payments — cards, Apple Pay, Google Pay and stablecoins through one checkout, with fraud, chargebacks, compliance and settlement handled for you. Low and high-risk verticals welcome.
More than a gateway. We own the payment problem.
As your merchant of record, PrimeCards sits between your customer and your bank account — carrying the processing, compliance, and dispute burden so your team doesn't have to.
Your customer pays
One hosted checkout, their preferred method.
- Visa, Mastercard, Apple Pay, Google Pay
- USDT & USDC on TRON, Base, Polygon
- 17 local currencies, 3-D Secure built in
We carry the risk
The heavy lifting happens here — not on your team.
- Processing, authorisation & 3-D Secure
- Fraud screening, chargebacks & disputes
- KYB, AML & regulatory compliance
- Refund operations & payment support
- Treasury, FX & reconciliation
You get paid
Clean money, one feed, no payment ops.
- T+3 rolling settlement once established
- Bank transfer or USDC / USDT payout
- One dashboard & reconciliation feed
| What you get | Typical gateway | PrimePay MoR |
|---|---|---|
| Card & wallet acceptance | ✓ | ✓ |
| Stablecoin acceptance (USDT / USDC) | — | ✓ |
| Chargeback liability & dispute handling | — | ✓ |
| Fraud & risk operations | — | ✓ |
| KYB, AML & regulatory burden | Stays with you | Handled by PrimePay |
| FX, treasury & settlement | Stays with you | Fiat or stablecoin payouts, T+3 |
| High-risk vertical underwriting | — | ✓ |
One integration. Every payment method.
A unified merchant of record for low and high-risk merchants — accept cards, Apple Pay, Google Pay and crypto payments through a single API, with stablecoin settlement.
Cards, Apple Pay & Google Pay
Global acceptance for Visa, Mastercard, Apple Pay and Google Pay. 3-D Secure supported. Multi-currency processing in 17 fiat currencies across low and high-risk verticals.
Banking & vIBAN
Virtual IBAN accounts for seamless bank transfers. Local and international payment collection through dedicated vIBAN infrastructure.
Stablecoin settlement
Settle in USDC or USDT for speed and efficiency. Card and crypto revenues consolidate into stablecoin payouts — reducing FX friction.
Risk management that earns its keep.
High-risk processing only works with serious controls. Every transaction passes through layered defences — built into the platform, not bolted on.
Real-time risk checks
Velocity, pattern and profile screening on every transaction before authorisation — tuned per vertical and per merchant.
3-D Secure 2
Issuer authentication shifts fraud liability and lifts approval rates — applied intelligently, not on every transaction.
Token contract whitelist
Crypto deposits accepted only from the official USDT and USDC contracts on each chain — an exact-match check on every incoming transaction.
Chargeback management
Dispute alerts, evidence collection and representment workflow in the dashboard — with monitoring to keep your ratios scheme-safe.
AML monitoring
Sanctions and wallet screening, transaction monitoring and SAR-ready reporting — the same standard described in our AML policy.
Payout controls
Address-locked crypto payouts, configurable reserves and settlement holds that protect both sides when something looks wrong.
Low-risk & high-risk. We serve both.
PrimePay processes payments across the full risk spectrum — from standard e-commerce to specialist high-risk verticals.
Each vertical is onboarded subject to compliance review and jurisdictional eligibility.
Fast, predictable settlement.
Clear timelines so you can plan cash flow with confidence.
While we verify volume patterns and transaction history.
Faster payouts once your account is fully established with us.
Rolling settlements — no manual requests · stablecoin settlement (USDC / USDT) available · 17 fiat currencies supported
From checkout to payout.
Every payment — card or crypto — moves through the same audited pipeline.
Checkout
Customer pays by card, wallet, or stablecoin.
Risk & 3-D Secure
Fraud screening, contract whitelist, issuer authentication.
Treasury
Funds confirmed and consolidated under PrimePay as MoR.
Settlement
T+3 payout to your bank or wallet — fiat or USDC / USDT.
Get approved in 3 simple steps.
A streamlined Know-Your-Business process. Submit your documents and get approved quickly.
Submit your documents
Upload KYB documents: company registration, director IDs, proof of address, and business licence.
Processing — 3 days
Our compliance team reviews your documents, verifies beneficial ownership, and assesses eligibility.
Approved
Once all documents are verified, your merchant account is activated and you can start processing.
Approval is subject to all required documents being submitted and passing compliance review.
Frequently asked questions.
The questions merchants ask before they apply.
What is a merchant of record?
A merchant of record (MoR) is the legal entity responsible for a sale's payment: processing it, fighting fraud, handling chargebacks and refunds, and meeting regulatory obligations. With PrimeCards as your MoR, that burden moves to us — you ship your product, we own the payment problem and pay you out cleanly.
Which payment methods can my customers use?
Visa, Mastercard, Apple Pay and Google Pay across 17 fiat currencies, plus USDT and USDC on TRON, Base and Polygon — all through one hosted checkout with 3-D Secure built in.
Do you accept high-risk businesses?
Yes. PrimeCards underwrites the full risk spectrum — from standard e-commerce to specialist high-risk verticals such as forex/CFD, prop trading, skill gaming, gold and gambling. Each vertical is onboarded subject to compliance review and jurisdictional eligibility.
How long does onboarding take?
Typical KYB approval is about 3 days once all required documents are submitted — company registration, director IDs, proof of address and business licence.
When do I get paid?
Settlement is T+7 during your first four weeks while we verify volume patterns, then auto-upgrades to T+3 once established. Payouts are rolling — no manual requests — by bank transfer or USDC / USDT.
Who handles chargebacks and fraud?
PrimePay does. Fraud screening, 3-D Secure, dispute alerts, evidence collection and representment all run on our side, with monitoring to keep your chargeback ratios scheme-safe.
Do I need to be PCI compliant?
Card data is captured on PrimePay's hosted, PCI-scoped checkout, which keeps sensitive card details off your systems and minimises your PCI burden. Your exact requirements depend on your integration.
Is crypto acceptance safe?
Crypto deposits are accepted only from the official USDT and USDC contracts on each supported chain — an exact-match token-contract check on every incoming transaction — with address-locked payouts and configurable reserves.
Ready to hand off the payment problem?
Apply now or speak with our team about your vertical and volumes.