We become the merchant of record for your business — taking the payment, handling chargebacks, and paying you on a fixed schedule. No merchant account. No code.
Most of the work in accepting card payments has nothing to do with your product. As merchant of record, we take that work off your plate.
Your customers pay with the cards and wallets they already carry. The network relationships are ours, not yours.
No merchant account application, no compliance project. You sell under our approvals from the first day.
We spot the dispute, pull the evidence from your order records, and file the response on your behalf.
Tell us about your business and confirm your identity. We verify your company and come back with a decision, usually within one to two business days.
No bank meetings. No merchant account application.
Share a payment link, send customers to our checkout page, or add RunePay to the store you already run. Nothing to build unless you want to.
Cards and digital wallets, from customers worldwide.
Your money arrives on fixed dates, to your bank account or as stablecoins. Every payout comes with a statement showing exactly how it was calculated.
You always know the amount and the date in advance.
Pick whichever suits how you sell today — you can use more than one, and change your mind later.
What your customer opens
Have a developer on the team? There is a full API and SDKs waiting for them too.
Every payout arrives with a statement in plain numbers. Nothing is deducted that is not shown.
The reserve is not a fee — it is your money, released back to you after 180 days.
Sent automatically to your business account. Nothing to request.
The same amount, converted and sent to your wallet — usually the same day.
Suspicious orders are stopped before they reach you, so you keep more good sales and fewer bad ones.
Cards from North America, Europe, and Asia, with the payment methods your buyers already recognise.
Growth and Enterprise accounts get a named contact who knows your business — not a ticket queue.
One percentage covers processing, fraud screening, dispute handling, and payouts. No monthly fees, no setup fees.
For sellers getting their first customers.
For businesses with steady sales.
For established, high-volume sellers.
Suspicious orders stopped before they reach you
We gather evidence and respond for you
Choose how your money arrives
You only pay when you make a sale
We also hold a reserve — usually 10% of sales, released back to you after 180 days — to cover disputes raised after a sale. Your exact rate and reserve are confirmed in writing before you start selling.
It means RunePay is the business that officially takes the payment from your customer. We hold the payment processing relationship and the responsibilities that come with it, then pass the money on to you. You keep your product, your brand, and your customers.
No — that is the whole point. Getting your own merchant account usually means a long application, underwriting, and a bank relationship to maintain. With RunePay you are onboarded onto ours instead.
On fixed dates: weekly on Starter, twice a week on Growth, and a schedule of your choosing on Enterprise. Your dashboard shows the amount and the date before it arrives.
Yes. Add a USDC, USDT, or EURC wallet in your settings and choose it as your payout method. You receive the same amount, sent on-chain by our regulated payout partner, usually the same day.
We hold back a small percentage of your sales — usually 10% — for 180 days, then release it back to you. It exists because a customer can dispute a payment months after buying. It is not a fee, and every amount held and its release date is visible in your dashboard.
We alert you as soon as we see it, gather the evidence from your order records, and file the response on your behalf. You are not left filling in bank forms to a deadline you did not know about.
Businesses selling legitimate digital products: software and licences, subscriptions, digital downloads, developer tools, online courses, and creator products. We do not accept prohibited or unlawful categories.
Not for payment links or our hosted checkout page — both work without any code. If you do have a developer, there is a full API and SDKs available to them.
We are onboarding our first group of merchants now.
Usually within one business day. We come back with your rate and what we need next.
You confirm your company and your identity. Most people finish in under ten minutes.
Share a link, use our checkout, or add us to your store — and get paid on schedule.