Move money like a modern platform.
Onboard merchants, accept payments and settle payouts on one platform. Transparent per-transaction pricing, no monthly minimums — and money in the bank by T+1.
PCI DSS Level 1 · SCA-ready · 135+ currencies · T+1 payouts
Captured · EUR · card ·· 4242
Trusted by platforms moving over $4B a year across 40+ countries
Numbers our platforms run on
From signup to settled payout
Four stages, one platform — onboard a merchant, take the payment, settle the funds, and pay out the net proceeds.
- 01
Onboard
Merchants verify identity (KYC/KYB) in minutes.
- 02
Charge
Accept cards, wallets & local methods via hosted or embedded checkout.
- 03
Settle
Funds settle T+1 with full ledger transparency.
- 04
Payout
Net proceeds land in each merchant's account automatically.
Stop assembling a payments stack by hand
Most teams bolt together a gateway, a ledger, a KYC vendor and a payout rail — then maintain the glue forever. Cobaltpay folds it into one platform.
Stitching it together yourself
- Integrate a gateway, a ledger and a payout provider separately, then keep them in sync.
- Build merchant onboarding and KYC/KYB flows from scratch and own the compliance burden.
- Reconcile balances by hand and stitch reports across three different dashboards.
- Chase down PCI scope, SCA and fraud tooling vendor by vendor.
- Wait weeks for engineering before a single payment can go live.
With Cobaltpay
- One API for charges, ledger and payouts — money moves through a single source of truth.
- Hosted onboarding with KYC/KYB built in; we carry the regulated heavy lifting.
- Automatic reconciliation and unified reporting in one real-time dashboard.
- PCI DSS Level 1, SCA-ready and fraud controls included out of the box.
- Go live in days with embedded or hosted checkout — no stack to assemble.
One platform for every way money moves
Onboarding, payments, payouts, risk, and reconciliation — composed into a single API and a single ledger. Less stitching, fewer vendors, one source of truth.
One platform, every rail
Cards, SEPA, ACH, instant transfers, and wallets behind a single integration. Add a payment method without touching your checkout.
Instant onboarding
Verified merchants go live in minutes. KYB, document checks, and underwriting run automatically in the background.
Programmable payouts
Split, schedule, and route funds with code. Pay sellers, partners, and platforms on the cadence you choose.
Built-in risk scoring
Every transaction is scored in real time. Block fraud, reduce chargebacks, and keep good customers flowing through.
Multi-currency
Accept, hold, and settle in 135+ currencies. Local pricing for buyers, predictable FX for you.
Unified ledger
Every charge, fee, and payout reconciled to the cent. Export audit-ready statements whenever finance asks.
Everything a platform needs to take payments
From onboarding sub-merchants to settling payouts — one integration covering checkout, risk, multi-currency and the ledgers underneath.
Your whole money operation, in one ledger
Watch funds move in real time — available and pending balances, automated payouts, and reconciliation that ties every settlement back to the transaction that funded it. No spreadsheets, no month-end surprises.
- Real-time available & pending balances
- Automated T+1 payouts to every merchant
- Exportable, audit-ready ledgers
Built for developers, by people who ship
A clean REST API, predictable objects, and webhooks you can trust. Move from sandbox to live without rewriting your integration — same endpoints, same idempotency guarantees, full settlement data on every event.
- REST API + signed webhooks
- Idempotency keys on every write
- Full test mode with sandbox data
- SDKs for Node, Python, Ruby, Go
- Embeddable checkout & elements
1import Cobaltpay from "cobaltpay"2 3const cobalt = new Cobaltpay(process.env.API_KEY)4 5// Create a charge on a connected account6const charge = await cobalt.charges.create({7 amount: 4200, // $42.008 currency: "usd",9 account: "acct_8Q2k",10 application_fee: 336, // 8% + $0.3011}, { idempotencyKey: "chg_7f1" })12 13console.log(charge.status) // "succeeded"Integrations
Plugs into the stack you already run
Connect your storefront, ops tooling and data warehouse in minutes. Pre-built connectors and a clean API mean you ship faster and reconcile everywhere your team already works.
- 9+
- Native connectors, no glue code
- 135+
- Currencies settled across our rails
- 6 days
- Median time to first live charge
One transparent price per transaction
No setup fees. No monthly minimums. Pay only when a payment succeeds.
- Monthly volume
- €120,000
- Effective rate
- 8.37%
- Estimated monthly cost
- €10,040
Standard
Early platforms taking their first payments.
- Hosted onboarding & KYC
- Card, SEPA & wallets
- T+1 settlement
- Dashboard & ledgers
- Email support
Scale
Growing marketplaces moving real volume.
- Everything in Standard
- Flat 8% at any volume
- Split payments & payouts
- 3-D Secure / SCA tuning
- Multi-currency settlement
- Priority support & SLA
Enterprise
High-volume PayFacs with custom needs.
- Everything in Scale
- Flat 8%, custom fixed fees
- Dedicated solutions engineer
- Custom KYC & risk rules
- Bespoke reporting & ledgers
- 99.99% uptime SLA
Failed and refunded payments are free · Funds settle T+1 · Cancel anytime.
Compliance handled, end to end
Cobaltpay is a PCI DSS Level 1 payment facilitator, so your merchants inherit our compliance instead of building and auditing their own.
PCI DSS Level 1
Highest level of card-data security, certified annually.
SCA & 3-D Secure 2
Strong customer authentication built into every flow.
SOC 2 Type II
Independently audited controls and processes.
GDPR ready
Data residency and processing you can document.
KYC / AML
Automated identity and sanctions screening at onboarding.
Tokenized vault
Card data is tokenized; raw PANs never touch your servers.
Encryption
AES-256 at rest, TLS 1.2+ in transit, everywhere.
24/7 monitoring
Real-time fraud and anomaly detection across rails.
Platforms ship faster on Cobaltpay
Marketplaces, vertical SaaS, and platforms use Cobaltpay to onboard merchants, move money, and settle payouts — without standing up their own payments and treasury teams.
We replaced our in-house ledger and merchant onboarding with Cobaltpay in a quarter. Embedded KYC cut activation from three weeks to two days, and reconciliation that used to eat a full engineer is now a webhook. The economics are just per-transaction — no monthly minimum to defend internally.
T+1 payouts to 4,000 carriers without us building any treasury. Cobaltpay handles settlement, split funds, and the 1099s — we ship features instead of money-movement plumbing.
Flat, transparent pricing we can actually read, SCA and 3-D Secure handled out of the box, and chargeback evidence files generated for us. Our first marketplace transaction went live in under a week.
Questions, answered
Straight answers on pricing, settlement, compliance and going live.
Can't find it? Talk to our team.
You pay one flat rate per successful transaction — interchange, scheme fees and our margin folded into a single number. No setup fees, no monthly minimums, no per-seat charges. Failed authorizations and refunded payments are free, so you only ever pay when money actually moves.
Settlement lands in the merchant's bank account on a T+1 schedule by default — captured today, paid out tomorrow. Payout cadence is fully configurable: keep it daily, switch to weekly, or hold a rolling reserve. Every payout is reconciled to the underlying transactions in the ledger.
No. Cobaltpay is the payment facilitator — we hold the acquiring relationships and the master merchant account. Your merchants onboard as sub-merchants directly under your platform, so there's no separate processor contract or Stripe account for them to set up.
Onboarding and KYC run in minutes through a hosted or embedded flow, with identity and business verification handled automatically. Most underwriting clears the same day; median time from sign-up to accepting live payments is around six days, gated mainly by document checks.
We support merchants across 40+ countries and process in 135+ currencies, with presentment in the buyer's local currency. Beyond cards, you can switch on local payment methods — SEPA, iDEAL, Bancontact, wallets and more — without extra integration work.
Cobaltpay is certified PCI DSS Level 1, and card data never touches your servers — it's captured and tokenized in our vault. Every transaction is screened by built-in 3-D Secure (SCA) and risk scoring, so you inherit the compliance and fraud posture rather than building it.
Disputes flow through a managed workflow: you're notified the moment a chargeback is raised, evidence can be submitted directly from the dashboard or API, and status changes are pushed back to you in real time via webhooks. We track representment outcomes end to end.
Start moving money in days, not months.
Onboard merchants, accept payments and settle payouts on one platform. Go live with sandbox keys today and switch to production once your first account passes KYC.
or talk to our teamNo setup fees · No monthly minimums · PCI DSS Level 1