The Stripe alternative built for high-risk merchants
Stripe is excellent for standard e-commerce. But its acceptable-use policy restricts many high-risk MCCs — so approvals get reversed and balances get held. Spectrum ePay is the compliant home for the businesses aggregators turn away.
Why merchants leave Stripe
Account approved on signup, then abruptly limited or closed once volume grows
Payouts held or reserves imposed with limited notice
High-risk MCCs restricted under the aggregator acceptable-use policy
Support that can't speak to underwriting or risk decisions
Stripe vs. Spectrum ePay
A head-to-head look at what changes when you switch.
How Spectrum ePay solves it
Underwriting that expects high-risk
You're underwritten to a dedicated merchant account up front, so approvals are stable instead of retroactively reversed once you scale.
Funds you can count on
USD payouts to your U.S. bank on a predictable schedule, with reserve terms defined in writing before you go live — not sprung on you mid-cycle.
A real risk relationship
A dedicated team that can actually explain underwriting and works with your model, instead of front-line support that can't touch risk.
Frequently asked questions
Why did Stripe restrict or close my account?
Stripe operates a shared aggregator model with an acceptable-use policy that limits many high-risk categories. Accounts in those categories can be approved initially and then limited once transaction patterns or volume trigger a review. A dedicated merchant account is underwritten to your specific business, which is why it's more stable for high-risk models.
Can I keep my current checkout experience?
Yes. Spectrum ePay offers hosted fields and a drop-in checkout that keeps customers on your site — no redirects or pop-ups — so the buying experience stays as smooth as what you had.
How fast can I switch?
Most merchants integrate the same day using our drop-in checkout, with no long-term contract and one flat rate.
Ready to leave Stripe behind?
90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe. Same-day integration, no contract, one flat rate.