Digital Wallet Credit Card Processing

Stop losing customers to payment processing roadblocks. AllayPay ensures mobile wallets, crypto apps, and fintech businesses can handle payments securely, efficiently, and with the flexibility to scale.

​​Digital Wallet Businesses We Support

Whether you’re developing a peer-to-peer payment app, enterprise-level platform, or crypto wallet, we deliver customized payment solutions tailored to your business needs. We support the following business types:

  • green-check-box Mobile Payment Apps
  • green-check-box Buy Now, Pay Later (BNPL) Wallets
  • green-check-box Loyalty Wallets & Reward Apps
  • green-check-box Stable Coin & Crypto Wallets
  • green-check-box Digital Banking Solutions
  • green-check-box B2B & Enterprise Platforms
  • green-check-box Payment Gateway Wallet Hybrids
  • green-check-box Prepaid Cards
  • green-check-box Stored Value Platforms
  • green-check-box Peer-to-Peer Payment Systems
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Trusted Digital Wallet Payment Processing

Save big on your digital wallet merchant plan.

Get fast approvals, high-volume support, and transparent pricing.

Contact us now.

  • sub_pos

    POS Systems & Hardware

  • sub_account

    Accounting Integrations

  • sub_omni

    Omni Channel

  • sub_dahs

    Personal Dashboard

  • sub_manage

    Chargeback Management

  • sub_report

    Online Reporting

  • sub_gateway

    Multiple Gateways

  • sub_platform

    Integrated Platforms

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Digital Wallet Credit Card Processing FAQs

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    What is a digital wallet merchant account?

    A digital wallet merchant account allows wallet providers to accept and move funds through credit card payments, ACH transfers, or account loads. Whether you’re building a mobile app, a peer-to-peer payment system, or a stored-value platform, you need a high-risk merchant account designed to handle complex wallet flows.

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    Why is digital wallet credit card processing considered high-risk?

    Digital wallet and fintech apps are high-risk because they operate in a heavily regulated environment, handle large transaction volumes, and are frequent targets of fraud or chargebacks. Factors like cross-border payments, cryptocurrency transfers, and regulatory scrutiny (KYC/AML requirements) increase risk.

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    Can I integrate credit card processing into my wallet platform?

    Yes. We support modern, developer-friendly payment gateways like NMI, Authorize.net, accept.blue, and Fluid Pay. These gateways offer API access for wallet flows, webhooks for ledger updates, tokenized vaults for repeated use, and 3D Secure for fraud prevention. We also support enterprise integrations with Sage Intacct, GoHighLevel, HubSpot, Zoho, ActiveCampaign, and more.

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    What payment methods are supported?

    You can accept credit and debit cards, ACH, recurring billing, and invoicing or subscriptions. All transactions are processed through secure PCI-compliant gateways.

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    How fast can I get approved?

    Most digital wallet merchants get approved within 1-2 business days. We guide you through KYC documentation and business model reviews.

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    Can you help reduce my fees?

    Absolutely. We offer transparent interchange-plus pricing, custom rate structures for high-volume wallet flows, and surcharging models. We review your needs on a case-by-case basis and help you minimize your fees.

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    What makes AllayPay the best choice for wallet-based merchants?

    We specialize in fintech and digital wallet merchant verticals. Our team offers enterprise-level payment processing solutions, API and platform integration support, expertise in complex billing models, and concierge-level support from real humans.

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    How do I get started?

    Contact us today. Whether you’re launching a startup or expanding your fintech app, we can help you build a compliant, scalable payment system for your digital wallet.

Highest-Rated-POS

Highest Rated POS Systems & Hardware

For retailers, we offer many options for POS systems, such as Clover, LightSpeed, and CoreSTORE. We offer the most gateways available for selling online, including Authorize.net, NMI, and FluidPay.

Matching-Your-Payment-Processing-Needs

Matching Your Payment Processing Needs

We identify all your pain points to ensure that we customize a solution that exceeds your expectations. From integrations with Quickbooks to hundreds of CRMs, our goal is to save you time and money.

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Your Exclusive Single Point of Contact

Our staff is extremely well trained and committed to responding quickly with the complete answers you need without any runaround. We free up your time, so you can focus on growing your business.

What People are Saying About AllayPay

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If you’re looking for a transparent merchant processor that provides competitive fees and excellent customer service, AllayPay is the company for you. We joined them in Aug. 2022 after getting fed up with extreme fee structures for CBD-based businesses that had horrible customer service. AllayPay patiently went through a detailed vetting process with us during which time they answered every question…

Sarah Brandon

CEO

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The AllayPay team has been fantastic! They worked with us from start to finish and customized a payment gateway for our company, Office Furniture Warehouse. It’s been over a year since we’ve been working with them now, and they are by far the most response company we’ve ever worked with. Thank you!

Bob Collins

Manager

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Understanding how important customer service is, and customer reviews, I searched for a local processing service that would treat us like my business was valued… If you are in business and seeking someone who values your business, then you only need to make one phone call to this organization and you will understand what customer service should be. I am very happy I reached out to AllayPay, you will be as well.

Kary McNeal

Owner

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AllayPay is by far the best merchant processing company I’ve ever dealt with. Jeff and his team spent days helping me get set up properly and answered all of my questions. They also helped me integrate my processing into QuickBooks Online by automatically updating the invoices as paid. With this new system, I’ve now saved 20 hours each month and over $15K each year. Thank you so much!

Yoav Hananya

Owner

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We were using Square and knew that our options were limited for traditional processing in our industry. Not only did AllayPay save us on processing fees, but they also set us up as fast as possible considering our unique circumstances. AllayPay was highly recommended, and we are very grateful that we choose to go with them. You won’t be disappointed!

Neil Shapiro

Owner

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My company was in the market for a new credit card possessor and POS system. We reached out to AllayPay on a whim, and that was the best decision we could have made! The entire team at AllayPay has given us top-priority treatment. The level of communication throughout the entire process was top-tier… We can’t recommend AllayPay highly enough!

Torri Verrilli

Manager

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Smart Payment Processing: Fast & Secure

Get ready for hassle-free payments with the latest technology. Same-day approvals, competitive rates, and dedicated support, all without long-term contracts.