# Railbed: take cards, keep your money

> Card payments for high-risk businesses. Every sale settles to a wallet you control: no underwriting, no reserve, nothing to freeze.

Source: https://railbed.com/ · Railbed by DeepWork

For AI assistants: the company overview is https://railbed.com/llms.txt, and the developer docs index, with the rules for an integration, is https://railbed.com/docs/llms.txt

## Take cards. Keep your money.

Accept cards from any customer and settle every sale to a wallet you control. Nothing to freeze, no reserve, no underwriting.

## One email can freeze your whole business.

Mainstream processors restrict supplements, adult content, gambling, hemp and dating. When they find you, payments stop and your balance sits on hold for months, with no one to call.

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.

## 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.

Illustrative example. The best provider depends on each buyer.

## No underwriting. No reserve. No waiting to get paid.

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.

## If it’s legal where you sell it, we don’t judge it.

## 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.

### 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.

### 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.

### Your plans, side by side.

Show every tier with its features and let buyers pick one. Each plan goes straight to 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.

## Stop asking permission to get paid.

Set up in under a minute. Your first payment can settle today.

Moving a lot of volume? Talk to our team

## Industries we serve

- [Supplements & nutra](https://railbed.com/industries/supplements-nutra.md): Sell bundles and multi-month supplies by card, with every order settled to your own wallet.
- [Adult content & creators](https://railbed.com/industries/adult-content.md): Verified creators and platforms get paid the day they sell, not months later.
- [Adult apps & AI companions](https://railbed.com/industries/adult-ai-apps.md): AI companions, generators and gamified adult apps, paid by card without a processor reviewing your content.
- [Licensed iGaming](https://railbed.com/industries/igaming.md): Card deposits that settle in USDC, for operators licensed in the markets they serve.
- [Hemp & CBD](https://railbed.com/industries/cbd-hemp.md): Keep selling hemp and CBD as card processors drop the category.
- [Dating & social](https://railbed.com/industries/dating.md): Memberships and boosts, without months of “additional due diligence”.
- [Vape & e-cigarettes](https://railbed.com/industries/vape.md): Sell devices and e-liquids to adults while card processors refuse the category.
- [Online courses & coaching](https://railbed.com/industries/courses-coaching.md): High-ticket programmes and coaching paid in full, with no chargebacks once the money settles.
- [Digital goods & game top-ups](https://railbed.com/industries/digital-goods.md): Keys, credits and in-game currency, with no chargebacks after the code is delivered.

All industries: https://railbed.com/industries/

## Questions

### 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?

Every completed payment settles straight to a wallet you control, so there is no balance sitting with us to hold. We decline businesses that are illegal where they operate or that break our acceptable use policy.

### What happens with chargebacks?

Once a payment settles to your wallet, it is yours. No chargeback comes back to you: the card provider that charged the card handles any dispute under its own rules, and a settled payment cannot 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, and there is no processing history to submit. If your business is legal where you sell, 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.

## Get started

- Sign up: https://app.railbed.io/signup
- Log in: https://app.railbed.io/login
- Contact: https://railbed.com/contact/