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 minuteNo credit checkNo reserve
Plugs into what you already use
ShopifyWooCommerceBigCommerceSquarespaceWixZapierKlaviyo
01The problem

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.

FromRisk team, your payment processor
SubjectYour account has been closed
Hi Alex, After a review, we’ve determined that your business isn’t supported under our terms of service. Payments have been disabled, effective immediately. Your balance of $48,210.00 will be held for up to 120 days to cover potential disputes. This decision is final. Please do not reply to this email.
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.

02How Railbed works

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.

1Publish a checkoutSet a product and a price in USD. You get a hosted page and a link to share.
2Customer paysThey pay by card through Smart Routing, or from a crypto wallet if they prefer.
3You receive USDCThe payment settles in your own wallet, and a signed webhook tells your server.
03Smart Routing

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 checksBuyers go to the provider least likely to ask for ID at their amount and location.
Fewer blocks and declinesEvery buyer is matched with a provider that serves their country, bank and card.
The lowest feeWhen more than one provider can take the payment, the cheapest one gets it.
Routes across
BanxaCoinbaseStripeTopper[and more providers]

Illustrative example. The best provider depends on each buyer.

04Compared

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 if it's legal where you sell

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

Start accepting paymentsTakes about a minute. No credit check, no reserve.
05Who it’s for

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

Supplements & nutraSell subscriptions and bundles without a reserve taken from every order.
Adult content & creatorsVerified creators and platforms get paid the day they sell, not months later.
Adult apps & AI companionsCharge for subscriptions and tokens without a processor reviewing your content.
Licensed iGamingCard deposits that settle in USDC, for operators licensed in the markets they serve.
Hemp & CBDKeep selling compliant products as card processors drop the category.
Dating & socialMemberships and boosts, without months of “additional due diligence”.

We don’t support anything illegal where you or your customers are, and some categories need a licence or age verification. Read the acceptable use policy.

Don’t see your business? Tell us what you sell
06Plug and play

Live on your store today. No developer needed.

Connect your store, send buyers to a hosted checkout, share a link or embed a buy button. Style them all to match your brand, and every sale lands in the same wallet.

Store integrations

Plug into the store
you already run.

Connect Shopify or WooCommerce in a few clicks and card payments show up in the checkout your buyers already use. No code.

1Pick your store platform
2Connect it in a few clicks
3Cards appear at your checkout
IntegrationsStores
1SShopifynorthwind.myshopify.comConnected
WWooCommercenorthwind.shopConnected
BBigCommerce
WWix
SSquarespace
ZZapier
northwind.shopCheckout
Payment method
3Credit or debit cardby Railbed
Crypto wallet
Complete order · $49.00
Hosted 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.

1Your logo, colors and theme
2Buyers choose card or crypto wallet
3One tap to pay, settled to your wallet
1BrandNLogo
Payment links

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.

1A short link for any product or price
2Copy it into a bio, email or invoice
3A QR code for print and in person
Pricing tables

Your plans,
side by side.

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

1Monthly and yearly billing
2Feature the plan you recommend
3Each plan opens its own checkout
1
Starter
$19 / mo For individuals getting started.
1 seatEmail supportBasic analytics
Choose Starter
2
ProRecommended
$49 / mo For growing teams that need more.
5 seatsPriority supportAdvanced analytics
3Choose Pro
Team
$99 / mo For organizations at scale.
Unlimited seatsDedicated supportSSO and audit log
Choose Team
Embeddable widgets

A buy button
for any site.

Add one line of code and sell from pages you already have, with the same settlement and webhooks.

1Paste one line of code
2A buy button appears on your page
07Questions

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?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. [Confirm and describe who handles card disputes and how.]
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.

Stop asking permission to get paid.

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

Live in under a minuteNo credit checkNo reserve

Moving a lot of volume? Talk to our team

For businesses other processors turn away

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.

Live in under a minuteNo credit checkNo reserve
Plugs into what you already use
ShopifyWooCommerceBigCommerceSquarespaceWixZapierKlaviyo
01The problem

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.

FromRisk team, your payment processor
SubjectYour account has been closed
Hi Alex, After a review, we’ve determined that your business isn’t supported under our terms of service. Payments have been disabled, effective immediately. Your balance of $48,210.00 will be held for up to 120 days to cover potential disputes. This decision is final. Please do not reply to this email.
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.

02How Railbed works

Card in, crypto out.
Nothing in between.

Your customer pays by card like any other checkout. It settles as USDC in a wallet you control, so there is no balance for anyone to hold.

1Publish a checkoutSet a product and a price in USD. You get a hosted page and a link to share.
Link opened
by a customer
2Customer paysThey pay by card through Smart Routing, or from a crypto wallet if they prefer.
Converted
USD → USDC
3You receive USDCThe payment settles in your own wallet, and a signed webhook tells your server.
03Smart Routing

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 checksBuyers go to the provider least likely to ask for ID at their amount and location.
Fewer blocks and declinesEvery buyer is matched with a provider that serves their country, bank and card.
The lowest feeWhen more than one provider can take the payment, the cheapest one gets it.
Routes across
BanxaCoinbaseStripeTopper[and more]

Illustrative example. The best provider depends on each buyer.

04Compared

No underwriting.
No reserve.
No waiting.

High-risk accountRailbed
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 if it’s legal where you sell

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

Start accepting paymentsTakes about a minute. No credit check.
05Who it’s for

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

Supplements & nutraSell subscriptions and bundles without a reserve taken from every order.
Adult content & creatorsVerified creators and platforms get paid the day they sell, not months later.
Adult apps & AI companionsCharge for subscriptions and tokens without a processor reviewing your content.
Licensed iGamingCard deposits that settle in USDC, for operators licensed in the markets they serve.
Hemp & CBDKeep selling compliant products as card processors drop the category.
Dating & socialMemberships and boosts, without months of “additional due diligence”.

We don’t support anything illegal where you or your customers are, and some categories need a licence or age verification. Read the acceptable use policy.

Don’t see your business? Tell us what you sell
06Plug and play

Live on your
store today.
No developer needed.

Connect your store, send buyers to a hosted checkout, share a link or embed a buy button. Style them all to match your brand.

Store integrations

Plug into the store
you already run.

Connect Shopify or WooCommerce in a few clicks and card payments show up in the checkout your buyers already use. No code.

IntegrationsStores
1SShopifynorthwind.myshopify.comConnected
WWooCommercenorthwind.shopConnected
BBigCommerce
WWix
northwind.shopCheckout
Payment method
3Credit or debit card
Crypto wallet
Complete order · $49.00
1Pick your store platform
2Connect it in a few clicks
3Cards appear at your checkout
Hosted 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.

1
1Your logo, colors and theme
2Buyers choose card or crypto wallet
3One tap to pay, settled to your wallet
Payment links

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.

Payment linkActive
Pro Membership · $49.00 per month
1 pay.railbed.io/pro 2Copy
3
Scan to payFor packaging, menus and events.
1A short link for any product or price
2Copy it into a bio, email or invoice
3A QR code for print and in person
Pricing tables

Your plans,
side by side.

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

1
Starter$19/ moChoose
2
ProRecommended
$49 / mo
5 seatsPriority supportAdvanced analytics
3Choose Pro
Team$99/ moChoose
1Monthly and yearly billing
2Feature the plan you recommend
3Each plan opens its own checkout
Embeddable widgets

A buy button
for any site.

Add one line of code and sell from pages you already have, with the same settlement and webhooks.

northwind.studio/field-notes
Field Notes, Vol. 2 Digital edition · $49.00 2Buy now
1
Add to any page
<railbed-button checkout="pro"></railbed-button>
1Paste one line of code
2A buy button appears on your page
07Questions

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?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. [Confirm and describe who handles card disputes and how.]
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.

Stop asking permission to get paid.

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

Live in under a minuteNo credit checkNo reserve

Moving a lot of volume?
Talk to our team