One API. Every bank you need — and the ones you'll need when the first one says no.
Brokerpay places high-risk and retail merchants with domestic and international acquiring partners through a single custom gateway. Lose a MID, and traffic reroutes to a pre-approved backup bank — not a support ticket.
Every way your customers want to pay, on one integration.
Turn on what you need now, add rails later without touching your codebase again. Brokerpay's gateway normalizes each of these into a single API and a single settlement view.
Credit & debit card processing
Domestic and offshore card acquiring, including high-risk MCC placements most banks decline outright.
Alternative payment methods
Region-specific APMs layered in alongside cards, so international customers pay the way they already do.
Digital wallet solutions
Wallet-based checkout for mobile-first buyers, reconciled through the same settlement feed as everything else.
Crypto solutions
Stablecoin and crypto acceptance with conversion to fiat settlement, for merchants who want the option without holding volatility risk.
Voucher solutions
Cash-based and prepaid voucher acceptance for markets and demographics that route around card rails entirely.
Zelle
Bank-to-bank transfer acceptance for US customers who'd rather skip the card network fees altogether.
eChecks / ACH
Lower-cost bank-draft processing for recurring billing and larger tickets where card interchange eats the margin.
We place merchants that other brokers won't touch.
If your last processor closed your account without much of an explanation, you're exactly who this bench of banks was built for.
From application to funded account, in four moves.
This part actually is a sequence — here's the order it runs in.
Tell us your risk profile
Industry, monthly volume, average ticket, chargeback history — the same things any underwriter will ask, up front.
We shop the bench
Your profile goes out to the acquiring partners actually positioned to approve it, domestic or international.
One gateway, live
A single API/gateway integration connects your checkout or terminal to every approved bank behind it.
Backup banks on standby
Additional MIDs sit pre-approved and ready, so a shutdown reroutes your processing instead of stopping it.
Redundancy isn't a backup plan. It's the product.
High-risk merchants don't lose MIDs because they did anything wrong — banks reassess risk appetite constantly. Brokerpay's model assumes that from day one.
Multiple approvals per merchant
We place most accounts with more than one acquiring partner from the start, not just after something breaks.
Domestic + international coverage
When a domestic bank pulls back on an industry, offshore acquiring keeps volume moving.
No re-integration when a MID drops
Routing logic lives in Brokerpay's gateway — your checkout code never has to know which bank is live.
Our card processor closed us with four days' notice. Brokerpay had a backup MID live before the first one finished winding down — we didn't miss a settlement.Operations Lead, nutraceuticals merchant
Tell us what your last processor couldn't handle.
Send over your business details and we'll come back with which partners on the bench fit your risk profile — and what a backup plan looks like from day one.