Indemnified rails · zero chargebacks

Fast, secure and affordable payment processing.

Paysonas moves money in real time across ACH, P2P and card rails — with bank-grade security, transparent pricing and one integration for everything.

Our fees start from as low as 1% plus transaction fees — click here to find out more.

Customers paying with their mobile phones by scanning a QR code at a cafe counter

0

Chargebacks on indemnified rails

1–8%

Fee range plus transaction fees

24/7

Real-time transaction reporting

US/CA

P2P available in US, Canada & select countries

Our services

Credit card and non-credit card processing, each with its own coverage and features.

Real-time ACH

Bank-to-bank money movement that clears while your customer is still on the page.

United States onlyIndemnified · zero chargebacks
  • Real-time authorization and funding visibility
  • Transactions are indemnified — zero chargebacks
  • Works for e-commerce, B2B and mobile checkouts

ACH Batch Processing

High-volume batch debits and credits built for billing cycles.

United States onlyIndemnified · zero chargebacksRecurring billing
  • Supports recurring billing and subscriptions
  • Transactions are indemnified — zero chargebacks
  • Scheduled files, retries and reconciliation reporting

P2P Payments

Instant peer-to-peer aggregation for payouts, wallets and marketplaces.

US, Canada and select countriesIndemnified · zero chargebacks
  • Instant settlement between parties
  • Transactions are indemnified — zero chargebacks
  • Aggregation-friendly for platforms and marketplaces

Credit Card Processing

Global card acceptance with the tools card-not-present merchants actually need.

InternationalRecurring billing
  • Supports recurring billing and card updater
  • Multi-currency acceptance across regions
  • Smart routing, tokenization and fraud screening

Non-card payments can save medium to high risk merchants millions in processing fees a year

Our guaranteed funds model removes the chargeback headaches and high credit card processing fees.

31.5B+

ACH payments processed annually in the US

Source: Nacha, 2023

$80.1T

Value moved through the ACH Network in 2023

Source: Nacha

80%+

Of US adults have used a P2P payment app

Source: Industry surveys, 2024

50%+

Of e-commerce transactions expected via digital wallets by 2027

Source: Worldpay / FIS Global Payments Report

Built for speed

Real-time ACH and instant P2P settle in seconds, not days — with funding visibility your finance team can trust.

Global reach

Card processing internationally, P2P across the US, Canada and select countries, ACH across the US.

Reporting that answers

Log in for live transaction reports: volume, fees, method mix, status and exportable detail.

Ready to route your volume through Paysonas?

Tell us your services, volume and average ticket. We'll come back with a quote — typically within one business day.