AlloPay
Merchant services, by referral
Complex Payments.
Simple Solutions. AlloPay.
AlloPay places specialty merchants with underwriters who actually understand the vertical — one inquiry, one dedicated agent, a live account in days.
<24 hrsLow-risk underwriting
Next dayStandard funding
15+Specialty verticals
Start your application
Tell us about your business — a licensed agent builds your quote and reaches out personally.
Request an ApplicationNo hard inquiry. A real person replies within one business day.
Our services
Every way your customers pay, underwritten to hold up.
Six processing paths, one account team — matched to how your business actually takes money.
Ecommerce
Card-not-present gateways built for chargeback-prone catalogs and restricted goods.
Invoicing & Virtual Terminal
Bill clients and key in card payments manually — no physical hardware required.
Retail POS
Countertop and mobile terminals for in-person sales, tuned to your risk profile.
Mobile Payments
Accept cards anywhere from a phone or tablet — built for field sales and pop-ups.
ACH & eCheck
Lower-cost bank transfers for recurring billing and high-ticket transactions.
Cryptocurrency
Accept and settle in crypto without routing your volume through a bank's risk desk.
Sectors we specialize in
Run a pharmacy, clinic, or medical practice? See our healthcare vertical →
Retail
Restaurants
Medical
Dropshipping
Digital Goods
MCA
Ecommerce
Marketing
Crypto / Forex / NFT
Gambling
Credit Repair
High Volume Accounts
High Ticket
Chargeback Mitigation
Advanced Fraud Protection
Why AlloPay
A broker's reach, an owner's attention.
Leverage
We shop your file, not just submit it.
Your application goes to a network of processors, not one desk — we place you with the strongest, most durable fit instead of the first approval that comes back.
Transparency
Plain-English pricing, no buried fees.
High-risk processing is built on confusion. We walk you through the real cost structure for your vertical before you ever sign anything.
Stewardship
One agent, for the life of the account.
Not a rotating support queue. The person who underwrites you is the person you call when a chargeback or a reserve question comes up in year three.
1 dayLow-risk approval
≤ 7 daysHigh-risk underwriting
Next dayStandard fund release
Tools
Run your own numbers before you apply.
Two quick instruments — estimate what a cash advance actually costs, and see the effective rate hiding in your current processing statement.
MCA payback calculator
Merchant cash advanceSet your term length and offer terms to see the total payback and what you'd owe per day.
Total payback$65,000
Est. daily payment$457
Daily card volume needed$3,810
Estimate only, based on the figures entered — not a quote. Actual holdback schedules and terms are set by the funder at underwriting.
Processing Statement Savings Calculator
Effective rateEnter your monthly volume and transaction count to estimate your total fees.
Estimated effective rate3.00%
Avg. cost per transaction$2.00
Total fees paid$1,800
Rate is preset to AlloPay's standard 2.0% + 28¢ per transaction and editable — your actual quote depends on industry, volume, and underwriting.
FAQ
Questions merchants actually ask.
What sectors do you specialize in?
Retail, restaurants, medical, dropshipping, digital goods, MCA, ecommerce, marketing, crypto/forex/NFT, gambling, credit repair, and any high-volume or high-ticket account that needs serious chargeback mitigation and fraud protection.
Why should I choose AlloPay?
We treat your processing setup as core to your bottom line, not a commodity. We lean on relationships across multiple processors to place you with the most reliable, competitive fit, then stay on as a dedicated steward of the account.
Will AlloPay work with my existing website?
Yes — our gateways, APIs, and SDKs integrate with Shopify, WooCommerce, Magento, BigCommerce, Wix, Ecwid, and most custom ecommerce stacks.
How long does setup take?
Low-risk businesses can be approved and processing in as little as one day. Higher-risk businesses with more regulatory overhead typically clear underwriting within a week.
When do I receive my funds?
Most merchants see funds land the next business day. Batch deposits can take up to 72 hours depending on your processor and settlement schedule.
Tell us about your business.
One inquiry starts the conversation. No obligation, no hard inquiry.
AlloPay