Payments that scale with you.
settldpay is built for every established business. One integration, dedicated merchant accounts and smart authorization that tunes every payment for the best approval rate at the best cost, with chargeback protection whether you're low, mid or high risk.
Do not honor on MID 02, retried on MID 01, approved in 612 ms
authorization, monitoring and risk review on every payment
automatic retry on a soft decline, built for always-on uptime
interchange-plus pricing with a published markup
application, underwritten once and matched to the right program
Start where you are.
Scale from there.
settldpay is one product with two options. Established businesses run on Scale. New businesses start on Launch and move up without changing platforms.
Built for every established business, low to high risk.
- Interchange-plus pricing with a published markup
- Dedicated merchant accounts behind one integration
- Smart authorization and automatic soft-decline retries
- Chargeback protection and underwriting for every risk level
For new businesses that need to get paid today.
- Competitive flat-rate pricing
- Approved in as little as 7 seconds
- Next-day funding and a business account built in
- Move up to Scale as your volume and history grow
Low, mid or high risk. One home for all of it.
Traditional processors approve you or decline you. settldpay underwrites your business once, then places it in the program that fits its risk profile. If your profile changes, we move you without a new integration.
Established merchants
Retail, restaurants, professional services and B2B with steady volume and low dispute rates.
- Interchange-plus pricing
- Next-day funding
- Level 2 and 3 data for B2B savings
- Cost-optimized authorization to lower your effective rate
Growing and card-not-present
Subscriptions, e-commerce and higher-ticket businesses with card-not-present volume.
- Dedicated MID with volume headroom
- Backup MID on standby
- Pre-dispute alerts and ratio monitoring
- Dedicated risk manager
Complex and high-risk categories
Supplements, telehealth, travel, coaching, CBD and other categories many processors turn away.
- Multiple MIDs with load balancing
- Automatic retries across your MIDs
- Full chargeback prevention suite
- Pricing and terms disclosed up front
Stop disputes before they count.
Every merchant on settldpay gets dispute protection, not just the high-risk ones. Pre-dispute alerts let you refund before a chargeback hits your ratio. When a dispute does arrive, the evidence is already gathered and ready to submit.
- Pre-dispute alerts from the card networks
- Automated refunds on alerts you choose
- Ratio monitoring against card network thresholds
- Representment with evidence auto-assembled
- Clear billing descriptors to prevent friendly fraud
Marker shows a 0.90% monitoring threshold.
From application to approved MID.
Apply once. We verify the business and its owners, then match your business to the program that fits. If your profile needs a specialty program, we move you there without starting over.
Apply
One application, with documents uploaded once. No re-filling forms, ever.
Underwrite
KYB, owner identity, sanctions, website and processing history, all checked up front.
Match
Your business is matched to the right Settld program for its category, volume and geography.
Board
MIDs are issued and keys go live. Connect existing MIDs alongside them.
Authorize & protect
Every payment is screened, optimized and covered by dispute protection.
Settle & reconcile
Funds land in your Settld account and are matched to the ledger every day.
| Partner appetite · Northwind Nutrition | Category | Volume | Geography | Ratio | Result |
|---|---|---|---|---|---|
| Standard program | Approved | ||||
| Volume program | Cap | Approved · capped | |||
| High-risk program | Approved · backup | ||||
| Specialty program | Not matched |
Built for the categories others turn away.
Examples only. Eligibility depends on your business and category, and we'll tell you early if a category is out of scope.
Supplements & nutra
Subscription billing with descriptor clarity and dispute alerts.
Telehealth
Patient payments, memberships and recurring prescriptions.
Subscriptions
Card updater, smart retries and churn-safe dunning.
Travel & events
Delayed-delivery risk managed with clear terms up front.
Coaching & education
High-ticket programs, payment plans and refund controls.
CBD & hemp
Supported in programs where the category is permitted.
High-ticket e-commerce
3-D Secure, fraud scoring and multi-MID headroom.
B2B & wholesale
Level 2 and 3 data, ACH and large-ticket cards.
More than a processor. A platform.
Questions from the first call.
Both are settldpay. Scale is for established businesses at every risk level: dedicated merchant accounts behind one integration and interchange-plus pricing. Launch is the option for new businesses: you’re boarded instantly with competitive flat-rate pricing, then move up to Scale as your volume and history grow.
We match you to a specialty program built for your category, without a new application or a new integration.
Yes. Connect your current MIDs alongside the ones we board. Authorization rules decide which MID takes each payment, and dispute tools, reporting and payouts work across all of them.
No. Low-risk merchants use settldpay for interchange-plus pricing, cost-optimized authorization and a backup MID that keeps them taking payments without interruption.
Get approved. Stay approved.
Send us your last three months of processing statements. We'll review your risk profile, match you with the right program and show you your rates and terms up front.
- Free migration
- No long-term contract
- Live in days, not months
Every Settld statement, receipt and certificate carries the seal.