Take cards. Keep your money.
For high-risk businesses other processors turn away
Accept cards from any customer and settle every sale to a wallet you control. Nothing to freeze, no reserve, no underwriting.
- Live in under a minute
- No credit check
- No reserve
- Shopify
- WooCommerce
- Any site with a buy button
- Your own app, through the API
One email can freeze your whole business.
Mainstream processors restrict supplements, adult content, iGaming and gambling apps, hemp and dating. When they find you, payments stop and your balance sits on hold for months, with no one to call.
- From
- Risk team, your payment processor
- Subject
- Your account has been closed
- 5–10%of every sale held back as a rolling reserve, for 90 to 180 days
- 3–6 monthsof bank statements, IDs and paperwork just to apply
- 5 yearson the MATCH list after a termination, where most processors reject you on sight
Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.
Card in, crypto out. Nothing in between.
Your customer pays by card like any other checkout. The payment settles as USDC in a wallet you control, so there is no balance for anyone to hold.
1 Publish a checkout
Set a product and a price in USD. You get a hosted page and a link to share.
by a customer
2 Customer pays
They pay by card, and Smart Routing picks the provider most likely to approve.
USD → USDC
3 You receive USDC
The payment settles in your own wallet, and a signed webhook tells your server.
Every buyer goes to the provider most likely to say yes.
Railbed reads each buyer’s location, IP, browser and card, then sends them to the on-ramp provider that will take the payment with the fewest ID checks and the lowest fee.
Fewer ID checks
Buyers go to the provider least likely to ask for ID at their amount and location.
Fewer blocks and declines
Every buyer is matched with a provider that serves their country, bank and card.
The lowest fee
When more than one provider can take the payment, the cheapest one gets it.
- Banxa
- Coinbase
- Stripe
- Topper
- and more
Illustrative example. The best provider depends on each buyer.
No underwriting. No reserve. No waiting to get paid.
| High-risk merchant account | Railbed | |
|---|---|---|
| Approval | Days to weeks | Under a minute |
| To apply | 3–6 months of statements, owner IDs | An email and a payout wallet |
| Rolling reserve | 5–10%, held 90–180 days | None |
| Payouts | 3–5 business days | Instant, to your wallet |
| Card approvals | One acquiring bank decides | Smart Routing across several providers |
| If you are dropped | Balance held, possible MATCH listing | Settled funds are already yours |
| Your industry | Restricted or “additional review” | Welcome, with no review |
Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.
Fees as low as 0.9%.
No setup fee, no monthly fee, no reserve. Every fee is shown before a payment starts, and all of them come out of the USDC that arrives.
Railbed
From 0.9% of each sale
Set for your account and shown in your dashboard before any payment starts. Volume pricing for larger merchants.
Network fee
1%
For creating each payment’s forwarding address and delivering the USDC to your wallet.
Card provider
Its own fee and exchange rate
Shown to the buyer on the provider’s page before they pay. Smart Routing picks the provider with the lowest cost that will take the payment.
Processing more than $50,000 a month? Talk to sales.
No underwriting, no review. We don’t judge what you sell.
-
Supplements & nutra
Sell subscriptions and bundles without a reserve taken from every order.
-
Adult content & creators
Creators and platforms get paid the day they sell, not months later.
-
Adult apps & AI companions
Charge for subscriptions and tokens without a processor reviewing your content.
-
iGaming & gambling
Card deposits for casinos, sportsbooks and betting apps that stay yours once they settle.
-
Hemp & CBD
Keep selling hemp and CBD as card processors drop the category.
-
Dating & social
Memberships and boosts, without months of “additional due diligence”.
-
Vape & e-cigarettes
Sell devices and e-liquids to adults while card processors refuse the category.
-
Online courses & coaching
High-ticket programmes and coaching, paid in full and still yours after you deliver.
-
Digital goods & game top-ups
Keys, credits and in-game currency, with sales that stay yours after the code goes out.
Live on your store today. No developer needed.
Connect Shopify or WooCommerce in a few clicks, or share a checkout page, link or buy button styled to your brand. Every sale lands in the same wallet.
- Pick your store platform
- Connect it in a few clicks
- Cards appear at your checkout
A checkout page,
live in a minute.
Name a product, set a price and publish. Set your brand once and every page, link and button wears it.
- Your logo, colors and theme
- Buyers pay with the card they have
- One tap to pay, settled to your wallet
Sell anywhere you
can paste a link.
Every checkout comes with a short link and a QR code, so you can take payment in a bio, an email, an invoice or in person.
- A short link for any product or price
- Copy it into a bio, email or invoice
- A QR code for print and in person
Your plans,
side by side.
Show every tier with its features and let buyers pick one. Each plan goes straight to its own checkout.
- Monthly and yearly billing
- Feature the plan you recommend
- Each plan opens its own checkout
A buy button
for any site.
Add one line of code and sell from pages you already have, with the same settlement and webhooks.
- Paste one line of code
- A buy button appears on your page
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What merchants ask before they switch.
Do my customers need crypto?
No. They pay with the card they already have, on a normal checkout page. The conversion to USDC happens after they pay, and it lands in your wallet.
Will my customers be asked for ID?
Less often. Smart Routing sends each buyer to the on-ramp provider least likely to ask for ID at their amount and location. Some large or unusual payments may still need a check.
Can Railbed freeze my money like my last processor?
No. Every completed payment settles straight to a wallet you control, so there is no balance sitting with us to freeze, and nothing is held back from your sales.
What happens with chargebacks?
Once a payment settles to your wallet, it is yours. Any dispute goes to the card provider that charged the card, and a settled payment can’t be pulled back out of your wallet.
How do I get the money into my bank?
Send USDC from your wallet to any exchange or off-ramp you use, then withdraw to your bank account. Many merchants keep part of their revenue in USDC.
I was dropped by Stripe, PayPal, Shopify Payments or Square. Can I use Railbed?
Yes. A past shutdown or a MATCH listing doesn’t rule you out. There is no underwriting, no review and no processing history to submit, so you can be live today.
Does it work with Shopify and WooCommerce?
Yes. Connect your store from the Integrations page in a few clicks and card payments appear in your existing checkout. No code.
Can I make the checkout look like my brand?
Yes. Set your logo, colors and light or dark theme once, and every checkout, link, pricing table and buy button uses them.
Stop asking permission to get paid.
Set up in under a minute. Your first payment can settle today.
- Live in under a minute
- No credit check
- No reserve
Moving a lot of volume? Talk to our team