Payment gateway
One Payment Gateway for Cards, ACH and eCheck
Accept credit and debit cards, Apple Pay, Google Pay, ACH and eCheck, and send payouts, from one SeamlessChex account. We approve high-risk businesses that other gateways turn away.
No long-term contract. No setup fee. No cancellation fee.
What is the SeamlessChex payment gateway?
A payment gateway is the software that takes a customer’s payment details at checkout, encrypts them and sends them to be approved. The SeamlessChex gateway does this for cards, ACH bank payments and eChecks, with the processing behind it, from one provider.
Connect it to your website with an API, a plugin or a ready-made checkout, or key in payments by hand in a virtual terminal.
New to gateways? Read how payment gateways work.
Every way your customers pay, in one gateway
Most gateways handle cards only. SeamlessChex adds bank payments, which cost less and carry fewer chargebacks.
Credit and debit cards
Seamless Merchant
- Visa, Mastercard, American Express and Discover
- Apple Pay and Google Pay
- Phone and mail orders (MOTO)
- Saved cards in a customer vault for repeat and recurring charges
ACH bank payments
Seamless ACH (formerly Paynote)
- Customers pay from their bank account, verified in real time with Plaid
- One-time and recurring bank debits
- Send payouts: same-day ACH, instant RTP payouts and bulk payouts
eCheck
Seamless Chex
- Debit a bank account with the routing and account number
- Take checks by phone
- Upload a file to collect many payments at once
- Plans from $29.99 a month
Connect it your way
Developer APIs
APIs for ACH, eCheck and cards, with documentation, SDKs, sample code and a test environment.
Learn more ›Plugins
WooCommerce and WordPress plugins, plus Shopify and other shopping cart integrations.
Virtual terminal
Key in payments you take by phone or mail from a web page. No website needed.
Payment links and invoices
Email an invoice or share a secure link, and get paid without a checkout page.
Subscriptions
Bill customers on a schedule, by card or from their bank account.
Works with the tools you already use
Card processing integrates with NMI, Authorize.net and Fluidpay. Bank payments connect through Plaid, WooCommerce, Shopify, WordPress and more.
Cards, ACH and eCheck compared
| Feature | Cards | ACH | eCheck |
|---|---|---|---|
| How the customer pays | Card or digital wallet | Logs in to their bank (Plaid) | Routing and account number, or bank login |
| Phone and mail orders | Yes | No | Yes |
| Payment links and invoices | Yes | Yes | Yes |
| Recurring payments | Yes | Yes | Yes |
| API and shopping cart integrations | Yes | Yes | Yes |
| Send payouts | No | Yes | No |
| High-risk businesses accepted | Yes | Yes | Yes |
| Cost | Quoted after underwriting | Quoted after underwriting | Plans from $29.99 a month |
| When you get the money | Usually 1–2 business days | 2 business days with Same Day ACH, 4 with standard ACH | About 2 business days after the batch closes |
See the full list on compare our products.
A payment gateway for high-risk businesses
Mainstream payment apps put every merchant on one shared account and close the ones that look risky. SeamlessChex underwrites your business up front, so your account stays open as you grow.
25+ banking partners
Payments can be spread across several banks, so one bank’s limits don’t stop your sales.
Approved after a shutdown
Being dropped by Stripe, PayPal or Square does not disqualify you.
MATCH-listed merchants
We work with businesses on the card networks’ list of terminated merchants (TMF/MATCH).
Chargeback management
Real-time dispute alerts, response templates and monthly reports to keep you under the 1% limit.
60+ industries
Including nutraceuticals, peptides, CBD, telemedicine, online gaming, credit repair and debt collection.
Bank payments as a second option
ACH and eCheck cost less than cards and carry a shorter dispute window.
Security built into every payment
PCI DSS compliance
Card data is handled on PCI-compliant infrastructure.
Encryption
Payment details are encrypted on the way from your checkout to the banks.
Fraud scrubbing
Fraud scrubbing tools screen transactions for signs of fraud.
Verified bank accounts
Plaid confirms the customer’s bank account and balance before an ACH payment goes out, which stops most returned payments.
Customer vault
Saved cards are stored in a secure customer vault for repeat and recurring charges.
Payment gateway pricing
- No setup fee
- No long-term contract
- No cancellation fee
- eCheck plans from $29.99 a month
Card and ACH rates are set for each business after underwriting, based on your industry and sales volume. Ask for a quote.
How to get started
- 1
Apply online
Tell us about your business in a few minutes. There is no long-term contract.
- 2
Underwriting review
Standard accounts are usually approved the same day. High-risk accounts usually take 72 hours to a few business days.
- 3
Connect and test
Pick an API, plugin, hosted checkout or the virtual terminal, and run test payments first.
- 4
Go live
Start taking payments. Card payments usually reach your bank in 1–2 business days, and bank payments in 2–4.
Payment Gateway FAQ
What is a payment gateway?
A payment gateway is the software that takes a customer’s payment details at checkout, encrypts them and sends them to be approved. It returns approved or declined in a few seconds. Read how payment gateways work for the full process.
Does SeamlessChex have a payment gateway for high-risk businesses?
Yes. SeamlessChex approves high-risk businesses that mainstream gateways decline, including merchants dropped by other processors and merchants on the TMF/MATCH list. Accounts work with 25+ banking partners and include chargeback management.
What payments can I accept through the SeamlessChex gateway?
Credit and debit cards (Visa, Mastercard, American Express and Discover), Apple Pay, Google Pay, ACH bank payments and eChecks. You can also send payouts by same-day ACH and instant RTP.
Do I need a separate merchant account?
No. Card processing with SeamlessChex comes with the merchant account. ACH and eCheck payments move straight between bank accounts, so they don’t need a card merchant account.
Does SeamlessChex work with NMI or Authorize.net?
Yes. Card processing integrates with NMI, Authorize.net and Fluidpay.
Is there an API and a test environment?
Yes. SeamlessChex has APIs for ACH, eCheck and card payments, with documentation, SDKs and a test environment. See the developer guide.
Is the SeamlessChex payment gateway PCI compliant?
Yes. Card payments run on PCI-compliant infrastructure with encryption and fraud filters.
How much does the SeamlessChex payment gateway cost?
There is no setup fee, no long-term contract and no cancellation fee. eCheck plans start at $29.99 a month. Card and ACH rates are set for each business after we review the full application in underwriting. Ask for a quote.
How fast do I get paid?
Card payments are approved instantly at checkout and usually settle in 1–2 business days, depending on your card setup. ACH payments you collect arrive in 2 business days with Same Day ACH, or 4 with standard ACH; payouts you send go the same day, or instantly by RTP (Real-Time Payments), 24/7/365. eChecks join a batch that closes at 12:00 PM ET on Monday, Wednesday and Friday by default, then deposit in about 2 business days.
When can I talk to support?
Call 888-998-2439 or email [email protected] during business hours on weekdays. Every merchant gets white-glove, personal support from an account manager assigned to them.
Ready to accept cards, ACH and eCheck?
Apply online in minutes. No long-term contract.