Open today. Get paid in seconds.
Just starting out? Settld boards new businesses instantly on our own payment facilitator platform. Approval takes as little as 7 seconds. Take payments in-store, online, by invoice or on subscription, with simple flat-rate pricing, next-day funding and banking built in.
Established, high-volume or high-risk?Explore settldpay →
Approved in 7 seconds.
New businesses join as sub-merchants on the Settld PayFac, so there's no separate merchant account application or week-long underwriting. We verify you and your business in real time, open your Settld business account and switch on payments in one flow.
- Identity and business verified automatically
- Business account and debit card opened at the same time
- Accept payments the moment you're approved
- Grow into a dedicated MID on settldPAY when you're ready
Instant approval is for new businesses that pass automated checks. Some applications need a quick manual review.
- Owner identity verified
- Business and tax ID matched
- Watchlists clear
- Business account opened · ••7702
- Approved · ready to accept payments
Application to first payment, on the Settld PayFac.
Tap, dip or swipe — in seconds.
Smart terminals, countertop readers and tap to pay on iPhone and Android. Tips, split checks, offline mode and surcharging or dual pricing where permitted.
- Smart terminals and tap to pay on phone
- Tips, split tenders and offline mode
- Surcharging and dual pricing programs
- Inventory-ready integrations for retail and restaurants
A checkout customers already trust.
Hosted, embedded or fully custom through the API. Wallets on the first screen, fraud screening on every payment and your brand front and center.
- Apple Pay, Google Pay, cards and ACH
- Pay-later options at checkout
- 3-D Secure, fraud scoring and network tokens
- Payment links you can text or email in seconds
Recurring revenue, on autopilot.
Send branded invoices, set up memberships and bill on any schedule. Failed payments retry intelligently and expired cards update themselves.
- Branded invoices with card and ACH
- Memberships, plans and usage billing
- Automatic retries and card updater
- Customer portal for receipts and payment methods
Embed payments and banking in your product.
Turn payments into revenue. Onboard sub-merchants by API, take a share of every transaction, and offer accounts and cards under your own brand.
Instant onboarding
KYB, KYC and underwriting in a single embedded flow. Most sub-merchants are approved the same day.
Revenue share
Earn on every payment and banking dollar your users move — with transparent, real-time reporting.
Fully white-label
Your domain, your brand, your portal. Settld stays invisible to your customers.
Outgrowing starter pricing? Graduate to settldPAY.
Established, high-volume and high-risk merchants get a dedicated MID, multiple processors behind one integration, chargeback protection and custom interchange-plus pricing.
- Multi-processor routing and failover
- Low, mid and high-risk underwriting
- Pre-dispute alerts and transparent reserves
Built for the businesses around you.
Restaurants & cafés
Tips, split checks, online ordering and next-day funding.
Retail
Omnichannel payments, inventory integrations and gift cards.
Health & wellness
Memberships, HSA/FSA cards and patient payment plans.
Professional services
Invoices, retainers and ACH for larger tickets.
Gyms & clubs
Recurring memberships with automatic card updates.
Events & ticketing
Registration, ticketing and on-site sales in one account.
Schools & education
Tuition plans, fees and autopay.
SaaS & platforms
Embedded payments, payouts and banking by API.
Ready to get settled?
Send us a recent processing statement. We'll show you your true effective rate and what you'd pay on Settld — no obligation.
- Free migration
- No long-term contract
- Live in days, not months
Every Settld statement, receipt and certificate carries the seal.