E-Commerce & Online Payments

A Real Merchant Account. Not a Stripe Wallet.

Credit Card Processing That 
Actually Works for Your Business

A Real Merchant Account.
Not a Stripe Wallet.

Stripe and PayPal hold your funds and freeze accounts with no warning. ZenythPay gives you a direct merchant account, two gateway options, and next-day deposits you can actually count on.
Stripe and PayPal hold your funds and freeze accounts with no warning. ZenythPay gives you a direct merchant account, two gateway options, and next-day deposits you can actually count on.
Get a Free Statement Analysis
Get a Free Statement Analysis
Get a Free Statement Analysis
Get a Free Statement Analysis
Call Us Now
See How It Works
Call Us Now
See How It Works

SECURE CHECKOUT

$249.00

CARD NUMBER

•••• •••• •••• 4242

EXPIRY

09 / 28

CVV

•••

Pay $249.00
Pay $249.00

Secured by ZenythPay — Instant fraud detection on every transaction

NMI and Authorize.net gateways

WooCommerce, Shopify, Ecwid

Built-in invoicing

Virtual terminal included

ACH bank-to-bank payments

POWERED BY TRUSTED PAYMENT NETWORKS

THE PROBLEM WITH STRIPE AND PAYPAL

They're payment aggregators. You deserve a real account.

Stripe and PayPal pool thousands of merchants under one master account. That means their risk team controls your money, not you.

THE PROBLEM WITH STRIPE AND PAYPAL

They're payment aggregators. You deserve a real account.

Stripe and PayPal pool thousands of merchants under one master account. That means their risk team controls your money, not you.

Account freezes with no warning

A single chargeback or flagged transaction can freeze your entire account — sometimes for weeks — while you wait on hold with a support bot.

Rolling reserves hold your cash

Once your volume grows, Stripe often withholds a rolling percentage of your revenue as a reserve. You can't access it for 90 days or more.

Flat 2.9% on every transaction forever

Stripe's rate never goes down no matter how much you process. A real merchant account with interchange-plus pricing gets cheaper as you grow.

TRANSPARENT PRICING

Know exactly whatyou're paying for

Our interchange-plus model means you see the real cost of every transaction. No bundled rates hiding markups. No end-of-month surprises on your statement.

Dedicated merchant ID — no shared risk pool

Next-day deposits to your bank account

Interchange-plus pricing that scales down, not up

Real local support — not a chatbot queue

Dispute chargebacks directly from your dashboard

PAYMENT GATEWAYS

Two gateway options. One clear recommendation..

We integrate with both major gateways. Your shopping cart determines which one makes more sense — and we guide you through it.

PAYMENT GATEWAYS

Two gateway options. One clear recommendation..

We integrate with both major gateways. Your shopping cart determines which one makes more sense — and we guide you through it.

STANDARD CHOICE

NMI

Network Merchants Inc. is the more affordable gateway and integrates with the widest range of shopping carts. If your platform supports NMI, this is the one we recommend starting with.

Lower monthly cost than Authorize.net

Built-in invoicing and payment links

Virtual terminal for MOTO and phone orders

Recurring billing and subscription support

Full fraud detection and tokenized card storage

WooCommerce

Shopify

Ecwid

Custom carts

BigCommerce

+450 more

WHEN YOUR CART REQUIRES IT

Authorize.net

Authorize.net has the broadest shopping cart compatibility of any gateway on the market. Some platforms only integrate with Authorize.net and not NMI — in those cases, this is your gateway.

Widest shopping cart compatibility available

Built-in invoicing and payment links

Virtual terminal for phone and mail orders

Customer Information Manager (CIM) for repeat buyers

Advanced fraud detection suite included

WooCommerce

Shopify

Magento

OpenCart

Squarespace

+450 more

WHAT YOU CAN DO

Every online payment method you need

Whether you run a store, send invoices, take phone orders, or process large B2B payments — your ZenythPay account handles all of it.

WHAT YOU CAN DO

Every online payment method you need

Whether you run a store, send invoices, take phone orders, or process large B2B payments — your ZenythPay account handles all of it.

E-Commerce Checkout

Embed a hosted payment page or use our API to accept cards directly on your site. Supports all major card types, Apple Pay, and Google Pay through the gateway.

Online Invoicing

Create and send invoices with a built-in payment link. Customers click, enter their card, and you get paid. No extra software needed — it's built into both NMI and Authorize.net.

Virtual Terminal

Take card payments over the phone or by mail order directly from your browser. Your staff enters card details on a secure web page — no physical terminal required.

Payment Links

Generate a shareable payment link in seconds and send it by email, text, or embed it anywhere. Customers pay on a branded checkout page — no cart required.

Recurring Billing

Set up automatic weekly, monthly, or custom billing schedules. Tokenized card storage means customers enter their card once and you charge on schedule — PCI compliant by design.

Clover Invoice

If you're a Clover merchant, Clover Invoice is built into your ecosystem. Send itemized invoices and accept online payment directly from the Clover dashboard — no gateway needed.

ACH PROCESSING

The highest-margin payment type most businesses ignore

ACH (Automated Clearing House) moves money directly between bank accounts. No card network, no interchange — just a near-zero cost transfer that you mark up however you choose.

ACH PROCESSING

The highest-margin payment type most businesses ignore

ACH (Automated Clearing House) moves money directly between bank accounts. No card network, no interchange — just a near-zero cost transfer that you mark up however you choose.

Cost per ACH transaction — regardless of the dollar amount. Whether the transfer is $500 or $50,000, you pay five cents.

$0.05

Profit example: charge 1% + $0.10 on a $10,000 ACH payment. The full 1% is yours — XRay only takes the $0.05 base cost.

$100

Typical ACH settlement time. Bank-to-bank transfers clear in 1 to 2 business days — far faster than a paper check.

48h

Perfect for B2B and large transactions. When a customer is paying a $5,000 invoice, the difference between 2.9% ($145) and ACH ($0.05) is dramatic.

Great upsell for existing merchants. Add ACH to any merchant account — they get a new payment option, you earn on every bank transfer they process.

Works alongside card processing. Offer customers a choice: pay by card or pay by bank transfer. The ACH option often increases conversion for larger invoices.

Fully configured in the CNP Info tab. ACH is activated the same way as your payment gateway — we set it up during onboarding. No extra applications or wait time.

ACH PROCESSING

Works with the platforms you already use

Both NMI and Authorize.net plug directly into major e-commerce platforms. No custom development required.

ACH PROCESSING

Works with the platforms you already use

Both NMI and Authorize.net plug directly into major e-commerce platforms. No custom development required.
WooCommerce

NMI + Auth.net

Shopify

NMI + Auth.net

Ecwid

NMI + Auth.net

Magento

NMI + Auth.net

BigCommerce

NMI + Auth.net

OpenCart

Auth.net

COMMON QUESTIONS

What you want to know before you switch

COMMON QUESTIONS

What you want to know before you switch

Do I need to leave Stripe completely to use ZenythPay?

What is interchange-plus pricing?

How do I know which gateway — NMI or Authorize.net — is right for me?

Is there a contract or cancellation fee?

Can I accept payments on my website without a full e-commerce store?

How does next-day funding work?

How does the virtual terminal work for phone orders?

Do you support high-risk businesses like CBD?

What's the difference between ACH and a card payment?

What happens if I get a chargeback?

Is my customers' card data secure?

Can I accept online payments too?

How long does it take to get set up for online payments?

Can I accept online payments too?

What equipment do you offer?

Stop letting Stripe hold your money hostage

Get a real merchant account, a gateway that works with your store, and next-day deposits — all set up within 48 hours.
Get a Free Statement Analysis
Get a Free Statement Analysis
Call Us Directly

Stop letting Stripe hold your money hostage

Send us your latest processing statement and we'll tell you exactly how much you could save. No commitment, no sales pitch.
Get a Free Statement Analysis
Get a Free Statement Analysis
Call Us Directly