We operate as a Payment Facilitator / ISO under sponsorship from licensed acquiring banks and processors. That means we handle the onboarding, underwriting, and risk management for our merchants, while the actual processing and fund custody run through our sponsor's licensed infrastructure.
On top of card and local payment method acceptance, Pagoramp settles merchants out in stablecoin instead of traditional bank rails, giving businesses faster, more flexible access to their funds, particularly useful for merchants in markets or industries where traditional banking settlement is slow or unreliable.
In short: we're the layer that lets a business start accepting payments in under a day, regardless of their risk category, by plugging into our network of licensed payment partners rather than becoming a licensed payment company themselves.
A licensed model, built for speed.
Pagoramp plugs into a network of licensed sponsor banks and processors so merchants never have to become a licensed payment company themselves.
We underwrite & onboard
We assess risk type and industry, run KYB, and bring merchants live, often in under a day, regardless of risk tier.
Sponsor banks process & custody
Licensed acquiring banks and processors run the actual card processing and hold funds under their regulatory license.
We settle out in stablecoin
Instead of waiting on bank rails, merchants are settled in USDC/USDT, on-chain and on their schedule.
Every risk tier. One onboarding flow.
Everyday retail
SaaS, e-commerce, agencies, creators and other low & medium-risk businesses, live instantly.
Harder-to-place industries
Adult, dating, crypto services and other high-risk verticals, with crypto and local rails enabled immediately and card processing after a quick underwriting review.
Cross-border & emerging markets
Merchants in markets where local banking settlement is slow, unreliable, or simply unavailable.