Whether you want to reduce fees, streamline operations, or accept payments anywhere, CreativePay has you covered.
Our low risk processing is ideal for conventional, compliant businesses in industries like retail, professional services, and hospitality. Fast approvals, transparent pricing, and seamless integrations make it easy to get started.
Low-Risk SolutionsFrom nutraceuticals to firearms, and more, CreativePay specializes in high-risk verticals. We leverage strong bank relationships, fraud tools, and custom underwriting to help you get approved and stay processing.
High-Risk SolutionsInnovative pricing models designed to eliminate processing fees by transparently and compliantly passing the cost to consumers.
Traditional processing rates, cost optimization, and flexible pricing options to meet your unique business needs.
Secure bank-to-bank payments for recurring billing or large transactions—fast, reliable, and cost-effective.
Secure, Fast In-Person Transactions.
Online, Mobile & Remote Commerce.
The payment industry is evolving fast. Our platform helps ISVs build tailored solutions with flexible integrations and unmatched support.
Partner with usOur low risk processing is ideal for conventional, compliant businesses in industries like retail, professional services, and hospitality. Fast approvals, transparent pricing, and seamless integrations make it easy to get started.
ScheduleBusinesses with consistent transaction volumes, low chargeback rates, and strong compliance histories typically qualify as low risk. Examples include retail shops, restaurants, medical offices, legal services, educational institutions. Businesses that operate under clear regulations with clear billing, you're likely a fit.
Low risk merchants benefit from the best rates, fastest approvals, and minimal account monitoring. You get access to the most trusted processing networks, full hardware/software compatibility, and dedicated support—all while maintaining cost efficiency and operational ease.
We make onboarding frictionless with fast approvals and simple documentation. Our team walks you through setup, ensures compliance, and helps you integrate payments with your point-of-sale or online store. Plus, with next-day funding and easy-to-read statements, managing your revenue is stress-free.
From nutraceuticals to firearms, and more—CreativePay specializes in high-risk verticals. We leverage strong bank relationships, fraud tools, and custom underwriting to help you get approved and stay processing.
ScheduleHigh-risk businesses often operate in industries with elevated chargeback rates, regulatory scrutiny, or international sales. This includes sectors like nutraceuticals, firearms, CBD, online coaching, and recurring billing models. Due to operational complexity, we help you navigate the challenges.
We don’t shy away from complexity, we lean into it. Our deep industry experience, direct relationships, and flexible underwriting approach allow us to place and maintain high-risk accounts effectively. We provide real-time fraud tools, chargeback mitigation strategies, and dedicated compliance support from day one.
High-risk merchants can’t afford downtime. Our team specializes in navigating regulations, mitigating risk, and ensuring business continuity. With access to domestic and international banking partners, plus tailored reserve strategies, we help you stay live, stay compliant, and scale with confidence.
Stop losing profits to processing fees. Our Pass-It
program helps you eliminate costs while staying compliant and transparent.
This model adds a clearly disclosed fee to credit card transactions, recouping processing costs. The surcharge appears as a separate line item on the receipt and is only applied to credit cards, not debit cards, following strict card brand guidelines.
Dual pricing displays both a cash price and a card price for every product or service, giving the customer a transparent choice. This model avoids showing separate fees on the receipt, as the prices themselves already include the respective costs.
This approach offers a discount to customers who pay with cash, rather than adding a fee to card payments. It's framed as a reward for using cash and helps merchants avoid processing fees. The discounted total is reflected on the receipt only when cash is used.
Keep fees fair with transparent Interchange Plus pricing and flexible payment support.
SchedulePricing categories as qualified, mid-qualified, and non-qualified, each with its own rate. A common structure among processors, but it can be confusing and less transparent, as merchants don’t fully understand how transactions are classified or why their costs fluctuate.
Flat rate pricing applies the same percentage fee to every transaction, regardless of the card type or transaction method. This model simplifies budgeting by making costs predictable even though it may result in higher fees overall when compared to more granular models.
Interchange Plus pricing passes through the exact interchange rate from the card networks, then adds a zmodel is the most transparent and often the most cost-effective for growing businesses, as it scales with volume and reveals the true cost breakdown.
Lower your fees and streamline recurring or large payments with our ACH solutions.
SchedulePull payments directly from customer accounts for subscriptions, memberships, or invoices. Lower fees than cards mean more revenue stays with you, while customers enjoy the convenience of set-and-forget payments.
Deposit checks from your office using a scanner or mobile device, avoiding time-consuming trips to the bank. This secure, streamlined process speeds up cash flow and ensures funds reach your account quickly.
Accept checks online via secure forms, letting customers pay directly from their bank accounts. No paper handling, no mailing delays—just a fast, convenient, and safe way to capture payments.