Solutions

Everything you need to get paid — and stay paid

High approvals, redundancy that keeps you live, and the clarity high-risk merchants rarely get. Choose the path that fits how you sell.

Approvals that hold

Underwriting tuned for high-risk categories, so approvals stick instead of churning.

Redundancy by design

Traffic runs across multiple paths and reroutes instantly, so a single outage never stops checkout.

Clarity you can plan around

Real-time volume, approval health and transparent settlement in one merchant portal.

Flexible solutions

One relationship. Every way to get paid.

Being down for a week can be devastating. We build redundancy in from day one — so if one method tightens, your revenue keeps moving through another.

Credit & Debit Cards

All major networks, placed with acquiring banks that understand high-risk — no risky work-arounds.

Apple Pay, Google Pay & Cash App

One-tap digital wallets built into checkout for a fast, familiar experience that lifts conversion.

ACH & eCheck

Lower-cost bank debits for recurring and high-ticket orders — plus a resilient fallback when card volume needs a backup.

Crypto

Digital-asset checkout for global, chargeback-resistant payments alongside your cards.

NFT Payment Solution

An innovative NFT-based payment option that gives your store another compliant, resilient way to collect.

Offshore & Recurring

Offshore acquiring plus structured recurring and high-ticket support, so a single decision can never take you fully dark.

If it's legal, we will find a way. Tell us about your business and we'll map the right mix.

Integrations

Live on your stack in three ways.

However your store is built, there's a path to go live fast — let our team do it in under 30 minutes, drop in our plugin, or connect over our API.

Recommended

We integrate it for you

Our technical team completes the full integration for you. Share admin access to your store and we handle the rest — the fastest path to live.

Under 30 minutes

Plugin

WordPress, WooCommerce & Shopify

Add our plugin to your store and start accepting payments right inside your existing checkout. Prefer hands-off? Our team installs and configures it for you.

Self-install or managed

Developer

Custom website & API

Building on a custom stack? Your developers integrate directly using our API, with our engineers supporting you the whole way to launch.

Developer-friendly

Embedded checkout

Keep buyers on your own store with payments built right into your existing checkout — seamless and on-brand. The most popular choice.

Hosted checkout

Send buyers to our secure, localized checkout with prices in their own currency, then back to your store once payment completes.

170+
Countries
14+
Acquiring banks
Multi
Currency support
Merchant portal

See everything, in real time

Volume, approval health and settlement — the clarity that makes high-risk feel manageable.

portal.spectrumepay.comIllustrative

Volume (mo)

$0.0M

Approval rate

0%

Uptime

0.0%

Processed volume +28% MoM
Settlement feed live
  • Card-presentjust now+$4,280
  • Online checkout2s ago+$1,915
  • Recurring9s ago+$640
  • Digital wallet14s ago+$2,470

Ready to get approved?

Tell us about your business. A high-risk specialist will map the fastest path to live payments.