We are here to help you scale faster
2.2% + 20¢
per succesful charge
Increase conversion rates by providing a frictionless check-out experience all across the globe*.
No setup fees. No hidden fees.
Seamless API Integrations.
Ready to install plugins with the most popular shopping carts.
*Available to US based businesses only.
Start Saving Money Now!
Take control of your money with ProfitPay’s One-Login, One-Portal. All the resources you need to support your business. All your orders, expenses and fraud control in one platform.
A complete payments platform engineered for growth.
Cards and wallets
Integrated per-transaction pricing means no setup fees or monthly fees. The price is the same for all cards and digital wallets.
2.2% + 20¢
per successful card charge
+1% for international cards
+1% if currency conversion is required
Bank debits and transfers
Accept large payments or recurring charges securely with ACH debit, ACH credit, or wire transfers.
ACH Direct Debit
3D Secure authentication
3D Secure is an authentication method used to verify a customer's identity before an online card purchase.
3¢ per 3D Secure attempt for accounts with custom pricing.
In addition to our standard free payout options, Instant Payouts lets you access funds within minutes using an eligible debit card, right from the Dashboard.
of Instant Payouts volume
Minimum fee of 50¢
Grow your recurring revenue
- Building blocks for your business model
- Smart recovery tools for reducing churn
- Recurring invoices and subscriptions
- Pre-built customer portal
Partner with ProfitPay Connect to add payments to your platform
- Hosted onboarding and verification
- Dynamic risk-based KYC/AML checks
No platform-specific fees
Multi-party payments, fully customized
- Platform management dashboard
- Control payout timing and funds flows
- Automate 1099 generation and delivery
Starting at 0.25%
of account volume, per-account fee may apply
Defend your business from the unpredictability of disputes. With Chargeback Protection, ProfitPay will cover both the disputed amount and any dispute fees—no evidence submission required.
Build your perfect point of sale
In-person card processing
Accept cards in-person. Includes Apple Pay and Google Pay support out-of-the-box.
- Build custom in-person checkout flows
- Unified reporting with online payments
- Pre-certified card readers
- Cloud-based hardware management
2.49% + 15¢
per successful card transaction
Pre-certified card readers with cloud-based hardware management.
BBPOS Chipper 2X BT
BBPOS WisePOS E
Your business data at your fingertips
- Instant answers powered by SQL
- Dozens of prebuilt query templates
- Save and schedule custom reports
- Built into ProfitPay—no setup, no ETLs
Starting at 2¢
per charge, infrastructure fee may apply
Create, manage, and distribute virtual and physical cards
Create and issue cards instantly and get branded physical cards shipped in just two days.
- Branded card designs
- Multiple shipping options
- Issue cards through ProfitPay Connect
- Push provisioning to digital wallets
per physical card
Set custom controls for every transaction and update them at any time.
- Flexible API to manage cards
- Dynamic spend controls
- Real-time authorizations
for the first $500,000 in card transactions
0% + $0.09 per transaction after that
Additional fees required for international cards and currency conversion.
1% + 30¢
for cross-border transactionsIf currency conversion is required, an additional 1% fee will apply
Dispute transactions on issued cards.
per lost dispute
A customized support plan built for fast-growing or complex businesses.
- Faster, prioritized responses
- A dedicated support manager
- Personalized optimizations
- Emergency support for critical issues
Starting at $1,800
Frequently Asked Questions
We pride ourselves on providing you with the best solutions, below answers to some of the most frequently asked questions about our platform.
How To Get Started With Virtual Cards
Click on START NOW to begin the Virtual Card application now. You should receive approval within 5 minutes of applying, in some cases, we may need additional information in order to approve your application and our Underwriting Department will reach out to you by phone and email.
How do I create a new card?
As long as you have funds available in your Virtual Card general balance you can issue unlimited virtual cards from your account. Click on New Virtual Card from the left menu and set the desired parameters for that card
When is the Cashback paid out?
Cashback is paid 60 days in arrears and is credited back to your Virtual card general balance.
How do I fund my account?
Once your application is approved you will be set up with an AFEX account number within 24-48 hours with wire instructions that you will need to fund your Virtual Card Account by bank wire to get started.
How Long does it Take To Get An Account Up And Running?
Virtual Card approvals are general received within 5 minutes of applying, in some cases our Underwriting team may need to reach out to you for additional information before approving your account. Your AFEX Account will be set up within 24-48 hours after receiving your Virtual Card account approval. Once you fund your account you can begin to issue virtual cards immediately.
Are you a developer?
"The streamlined Payment Processing through our Gateway teamed up with our Virtual Credit Card capability - a game-changing market advantage!"
- Chase Harmer - Founder, PayCertify