We sell for you.
You get paid.
FlyThePay is a Merchant of Record for businesses banks call high risk. We become the legal seller of your products, run the payments, absorb the compliance and the chargebacks, and settle your revenue anywhere in the world.
A gateway moves money. A Merchant of Record takes the risk off your books.
With a normal processor you are the seller: you carry the merchant account, the tax registrations, the fraud rules and every chargeback. With FlyThePay, we are the seller of record. Your customer buys from us, we pay you.
Merchant accounts
You process under our acquiring relationships. No applications, no bank rejections, no account freezes.
Tax and invoicing
We calculate, collect and remit VAT, GST and sales tax in every market and issue compliant invoices to your buyers.
Chargebacks and fraud
Disputes land on us. We represent, we win what can be won, and the ratio never touches your own history.
Global payouts
Weekly settlements in EUR, USD, GBP or stablecoins, to a bank account or wallet in the jurisdiction you choose.
Live in days, not months.
Onboarding is a conversation with a real underwriter, not a form that gets rejected by a bot.
Apply
Tell us what you sell, where, and your volumes. We review the business, not just the MCC code.
KYB and terms
Standard business verification, a clear rate, a reserve schedule you agree to up front. No surprises later.
Integrate
We set up the way you will take payments together with you and stay on the line until the first transaction clears.
Get paid
Weekly payouts with a full statement: gross, fees, taxes, disputes and reserve release, line by line.
Built for the verticals everyone else declines.
If your business is legal where you sell, we can usually work with it. These are the sectors we onboard every week.
We do not process illegal content, unlicensed gambling operators, weapons, or anything prohibited by card scheme rules. Not sure about your case? Ask an underwriter.
iGaming and betting affiliates
Tipster services, affiliate networks, casino and sportsbook marketing.
Digital products and infoproducts
Courses, coaching, memberships, communities and software subscriptions.
Forex, trading and crypto education
Signal services, prop-firm challenges, trading academies and tools.
Nutraceuticals and supplements
Subscription boxes, continuity offers and cross-border DTC brands.
Adult and dating
Creator platforms, cam and dating sites with age verification in place.
Travel and ticketing
Long delivery windows, high tickets and seasonal volume spikes.
Telehealth, CBD and vape
Regulated wellness products sold within their licensed markets.
Marketplaces and agencies
Platforms paying out to many sellers or affiliates from one balance.
One contract. Every market.
We route each transaction to the acquirer and payment method with the best approval rate for that country, currency and card type, and present prices in your buyer's local currency.
One rate on gross sales. Everything else is included.
Your rate depends on vertical, volume and dispute history. It is set once during underwriting and written into your agreement, along with the reserve and payout schedule.
High risk for the banks. Low risk for you.
PCI DSS Level 1
Card data never touches your servers. Tokenised at the checkout, stored in our vault.
KYB, KYC and AML
Every merchant is verified and monitored. That is what keeps our acquiring lines open for you.
Fraud and 3-D Secure 2
Machine scoring, velocity rules and dynamic 3DS: challenged only when the risk justifies it.
Dispute alerts
Ethoca and Verifi alerts refund before a dispute is filed, keeping ratios under scheme thresholds.
Data protection
GDPR-compliant processing with EU data residency. Your customer list stays yours.
Transparent statements
Every fee, tax and reserve movement itemised per transaction and exportable for your accountant.
Questions merchants ask before signing.
Who appears on my customer's card statement?
A descriptor with your brand name followed by FlyThePay, so buyers recognise the charge and disputes stay low.
Do I need a company in Europe or the US?
No. We contract with entities in most jurisdictions, including UAE free zones, LATAM and Asia, as long as KYB passes.
What happens if a processor freezes funds?
That is our problem, not yours. We operate several acquiring lines and your payout schedule does not depend on any single one.
Can I bring an existing chargeback history?
Yes. Tell us the numbers honestly. A past ratio changes your rate and reserve, not whether we can work together.
How fast is the first payout?
Your first payout date and settlement frequency are agreed during onboarding, based on your activity, market and risk profile.
Talk to an underwriter, not a sales bot.
Tell us about your business and we reply within one business day with a yes, a no, or the questions we need answered to get to yes.