Payment Infrastructure
Built for Scale
A payment gateway built for high-risk merchants who need reliability, not excuses. 100+ integrations, multi-currency, advanced fraud tools, and an API that developers actually like.
Get Approved in 24 Hours
Quick setup. No obligation. Start processing fast.
Enterprise-Grade Processing
Every feature a high-risk business needs from a payment gateway.
Advanced Fraud Suite
AI-powered scoring, 3D Secure 2.0, device fingerprinting, velocity checks, and customizable rules. Block fraud, not customers.
Multi-Currency (150+)
Accept payments in 150+ currencies with competitive FX rates. Dynamic currency conversion shows customers local pricing.
100+ Integrations
Plug-and-play with Shopify, WooCommerce, Magento, BigCommerce, Wix, ClickFunnels, Kajabi, and custom API builds.
Recurring Billing
Subscription management, payment plans, smart retries, dunning, trial periods, and proration — all built into the gateway.
All Payment Methods
Credit, debit, ACH, eCheck, wire transfers, and alternative payment methods. Accept however your customers want to pay.
Dedicated Support
Your own account manager who knows payment processing inside and out. Direct access, not a ticket queue.
Works With Everything
Plug-and-play or build custom. Your choice.
// Process a payment in 3 lines
const payment = await adaptiv.charges.create({
amount: 4999,
currency: 'usd',
source: 'tok_visa'
});Live in 3 Steps
Apply Online
Fill out our quick form. We match you with the right banking partner for your business model and volume.
Get Approved
Our underwriting team fast-tracks your application. Most high-risk merchants are approved within 24-48 hours.
Integrate & Go
Connect via plug-and-play integration or our developer API. Process your first payment the same day.
Trusted by 2,000+ Merchants
“The API is clean and the docs are actually good. Had our custom checkout processing in under a day. The fraud tools alone justified the switch.”
“We process $3M monthly across 6 currencies. Zero downtime in 14 months. The multi-currency support increased our international conversion rate by 30%.”
“After Stripe shut us down, we needed a gateway that wouldn't flinch during launches. Adaptiv handled our biggest month ever without a single hold.”
Common Questions
Our gateway supports all major credit and debit cards (Visa, Mastercard, Amex, Discover), ACH/eCheck, wire transfers, and alternative payment methods. We also support digital wallets and can add new payment methods as your business requires.
We provide a RESTful API with comprehensive documentation, SDKs for popular languages (PHP, Node.js, Python, Ruby, .NET), and sandbox environments for testing. Most developers have a basic integration running within a few hours.
Every account includes real-time transaction scoring, velocity checks, AVS/CVV verification, 3D Secure 2.0 authentication, device fingerprinting, IP geolocation, and customizable rule engines. Our AI-powered fraud detection adapts to your transaction patterns.
Yes. Our gateway has built-in subscription management with flexible billing cycles, smart retry logic for failed payments, dunning management, proration, and trial period support. Essential for SaaS and subscription businesses.
Our gateway is PCI DSS Level 1 certified — the highest level of compliance. We handle all sensitive card data so you don't have to. Tokenization ensures card numbers never touch your servers.
Most merchant accounts are approved within 24-48 hours. Integration depends on your platform — plug-and-play integrations for Shopify, WooCommerce, etc. are instant. Custom API integrations typically take 1-3 days.
We don't impose arbitrary volume caps. Our gateway is built for scale — whether you process $10K or $10M monthly. Volume increases don't trigger holds or freezes like standard processors.
Ready to Upgrade Your
Payment Stack?
Join 2,000+ merchants processing on infrastructure built for high-risk. Approved in 24-48 hours.