Take cards. Keep your money.

For high-risk businesses other processors turn away

Accept cards from any customer and settle every sale to a wallet you control. Nothing to freeze, no reserve, no underwriting.

Live in under a minuteNo credit checkNo reserve
Plugs into what you already use
ShopifyWooCommerceAny site with a buy buttonYour own app, through the API
01The problem

One email can freeze your whole business.

Mainstream processors restrict supplements, adult content, gambling, hemp and dating. When they find you, payments stop and your balance sits on hold for months, with no one to call.

FromRisk team, your payment processor
SubjectYour account has been closed
Hi Alex, After a review, we’ve determined that your business isn’t supported under our terms of service. Payments have been disabled, effective immediately. Your balance of $48,210.00 will be held for up to 120 days to cover potential disputes. This decision is final. Please do not reply to this email.
5–10%of every sale held back as a rolling reserve, for 90 to 180 days
3–6 monthsof bank statements, IDs and paperwork just to apply
5 yearson the MATCH list after a termination, where most processors reject you on sight

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

02How Railbed works

Card in, crypto out. Nothing in between.

Your customer pays by card like any other checkout. The payment settles as USDC in a wallet you control, so there is no balance for anyone to hold.

Your checkoutLive
Pro Membership $49.00 USD / month Share link
pay.railbed.io/proCopy
Link opened
by a customer
Customer pays$49.00 USD
alex@northwind.studio
4242 4242 4242 424212/28
Routed by Smart Routing
Pay $49.00Paid
Converted
USD → USDC
Your payout wallet0x7a3f…c91e
Received +49.00 USDC
SettledJust now
Your serverWebhook delivered
1Publish a checkoutSet a product and a price in USD. You get a hosted page and a link to share.
2Customer paysThey pay by card, and Smart Routing picks the provider most likely to approve.
3You receive USDCThe payment settles in your own wallet, and a signed webhook tells your server.
03Smart Routing

Every buyer goes to the provider most likely to say yes.

Railbed reads each buyer’s location, IP, browser and card, then sends them to the on-ramp provider that will take the payment with the fewest ID checks and the lowest fee.

Fewer ID checksBuyers go to the provider least likely to ask for ID at their amount and location.
Fewer blocks and declinesEvery buyer is matched with a provider that serves their country, bank and card.
The lowest feeWhen more than one provider can take the payment, the cheapest one gets it.
Routes across
BanxaCoinbaseStripeTopperand more

Illustrative example. The best provider depends on each buyer.

04Compared

No underwriting. No reserve. No waiting to get paid.

High-risk merchant account Railbed
ApprovalDays to weeksUnder a minute
To apply3–6 months of statements, owner IDsAn email and a payout wallet
Rolling reserve5–10%, held 90–180 daysNone
Payouts3–5 business daysInstant, to your wallet
Card approvalsOne acquiring bank decidesSmart Routing across several providers
If you are droppedBalance held, possible MATCH listingSettled funds are already yours
Your industryRestricted or “additional review”Welcome if it’s legal where you sell

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

05Pricing

Fees as low as 0.9%.

No setup fee, no monthly fee, no reserve. Every fee is shown before a payment starts, and all of them come out of the USDC that arrives.

Railbed

From 0.9% of each sale

Set for your account and shown in your dashboard before any payment starts. Volume pricing for larger merchants.

Network fee

1%

For creating each payment’s forwarding address and delivering the USDC to your wallet.

Card provider

Its own fee and exchange rate

Shown to the buyer on the provider’s page before they pay. Smart Routing picks the provider with the lowest cost that will take the payment.

Start accepting paymentsProcessing more than $50,000 a month? Talk to sales.
06Who it’s for

If it’s legal where you sell it, we don’t judge it.

Supplements & nutraSell subscriptions and bundles without a reserve taken from every order.Adult content & creatorsVerified creators and platforms get paid the day they sell, not months later.Adult apps & AI companionsCharge for subscriptions and tokens without a processor reviewing your content.Licensed iGamingCard deposits that settle in USDC, for operators licensed in the markets they serve.Hemp & CBDKeep selling compliant products as card processors drop the category.Dating & socialMemberships and boosts, without months of “additional due diligence”.Vape & e-cigarettesSell compliant devices and e-liquids to age-verified adults while processors refuse the category.Online courses & coachingHigh-ticket programmes and coaching paid in full, with no chargebacks once the money settles.Digital goods & game top-upsKeys, credits and in-game currency, with no chargebacks after the code is delivered.
Don’t see your business? Tell us what you sell
07Plug and play

Live on your store today. No developer needed.

Connect Shopify or WooCommerce in a few clicks, or share a checkout page, link or buy button styled to your brand. Every sale lands in the same wallet.

Store integrations
1Pick your store platform
2Connect it in a few clicks
3Cards appear at your checkout
IntegrationsWays to take payments
1SShopifynorthwind.myshopify.comConnected
WWooCommercenorthwind.shop
BBuy buttonAny site with an HTML block
AMerchant APIYour own app or game
northwind.shopCheckout
Payment method
3Credit or debit cardby Railbed
Complete order · $49.00
Hosted checkout

A checkout page,
live in a minute.

Name a product, set a price and publish. Set your brand once and every page, link and button wears it.

1Your logo, colors and theme
2Buyers pay with the card they have
3One tap to pay, settled to your wallet
1BrandNLogo
Payment links

Sell anywhere you
can paste a link.

Every checkout comes with a short link and a QR code, so you can take payment in a bio, an email, an invoice or in person.

1A short link for any product or price
2Copy it into a bio, email or invoice
3A QR code for print and in person
Pricing tables

Your plans,
side by side.

Show every tier with its features and let buyers pick one. Each plan goes straight to its own checkout.

1Monthly and yearly billing
2Feature the plan you recommend
3Each plan opens its own checkout
1
Starter
$19 / mo For individuals getting started.
1 seatEmail supportBasic analytics
Choose Starter
2
ProRecommended
$49 / mo For growing teams that need more.
5 seatsPriority supportAdvanced analytics
3Choose Pro
Team
$99 / mo For organizations at scale.
Unlimited seatsDedicated supportSSO and audit log
Choose Team
Embeddable widgets

A buy button
for any site.

Add one line of code and sell from pages you already have, with the same settlement and webhooks.

1Paste one line of code
2A buy button appears on your page
08Questions

What merchants ask before they switch.

Do my customers need crypto?No. They pay with the card they already have, on a normal checkout page. The conversion to USDC happens after they pay, and it lands in your wallet.
Will my customers be asked for ID?Less often. Smart Routing sends each buyer to the on-ramp provider least likely to ask for ID at their amount and location. Some large or unusual payments may still need a check.
Can Railbed freeze my money like my last processor?Every completed payment settles straight to a wallet you control, so there is no balance sitting with us to hold. We decline businesses that are illegal where they operate or that break our acceptable use policy.
What happens with chargebacks?Once a payment settles to your wallet, it is yours. No chargeback comes back to you: the card provider that charged the card handles any dispute under its own rules, and a settled payment cannot be pulled back out of your wallet.
How do I get the money into my bank?Send USDC from your wallet to any exchange or off-ramp you use, then withdraw to your bank account. Many merchants keep part of their revenue in USDC.
I was dropped by Stripe, PayPal, Shopify Payments or Square. Can I use Railbed?Yes. A past shutdown or a MATCH listing doesn’t rule you out, and there is no processing history to submit. If your business is legal where you sell, you can be live today.
Does it work with Shopify and WooCommerce?Yes. Connect your store from the Integrations page in a few clicks and card payments appear in your existing checkout. No code.
Can I make the checkout look like my brand?Yes. Set your logo, colors and light or dark theme once, and every checkout, link, pricing table and buy button uses them.

Stop asking permission to get paid.

Set up in under a minute. Your first payment can settle today.

Live in under a minuteNo credit checkNo reserve

Moving a lot of volume? Talk to our team

For businesses other processors turn away

Take cards. Keep your money.

Accept cards from any customer and settle every sale to a wallet you control. Nothing to freeze, no reserve, no underwriting.

Live in under a minuteNo credit checkNo reserve
Plugs into what you already use
ShopifyWooCommerceAny site with a buy buttonYour own app, through the API
01The problem

One email can freeze your whole business.

Mainstream processors restrict supplements, adult content, gambling, hemp and dating. When they find you, payments stop and your balance sits on hold for months.

FromRisk team, your payment processor
SubjectYour account has been closed
Hi Alex, After a review, we’ve determined that your business isn’t supported under our terms of service. Payments have been disabled, effective immediately. Your balance of $48,210.00 will be held for up to 120 days to cover potential disputes. This decision is final. Please do not reply to this email.
5–10%of every sale held back as a rolling reserve, for 90 to 180 days
3–6 monthsof bank statements, IDs and paperwork just to apply
5 yearson the MATCH list after a termination, where most processors reject you on sight

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

02How Railbed works

Card in, crypto out.
Nothing in between.

Your customer pays by card like any other checkout. It settles as USDC in a wallet you control, so there is no balance for anyone to hold.

1Publish a checkoutSet a product and a price in USD. You get a hosted page and a link to share.
Link opened
by a customer
2Customer paysThey pay by card, and Smart Routing picks the provider most likely to approve.
Converted
USD → USDC
3You receive USDCThe payment settles in your own wallet, and a signed webhook tells your server.
03Smart Routing

Every buyer goes to the provider most likely to say yes.

Railbed reads each buyer’s location, IP, browser and card, then sends them to the on-ramp provider that will take the payment with the fewest ID checks and the lowest fee.

Fewer ID checksBuyers go to the provider least likely to ask for ID at their amount and location.
Fewer blocks and declinesEvery buyer is matched with a provider that serves their country, bank and card.
The lowest feeWhen more than one provider can take the payment, the cheapest one gets it.
Routes across
BanxaCoinbaseStripeTopperand more

Illustrative example. The best provider depends on each buyer.

04Compared

No underwriting.
No reserve.
No waiting.

High-risk accountRailbed
ApprovalDays to weeks
Under a minute
To apply3–6 months of statements, owner IDs
An email and a payout wallet
Rolling reserve5–10%, held 90–180 days
None
Payouts3–5 business days
Instant, to your wallet
Card approvalsOne acquiring bank decides
Smart Routing across several providers
If you are droppedBalance held, possible MATCH listing
Settled funds are already yours
Your industryRestricted or “additional review”
Welcome if it’s legal where you sell

Typical high-risk merchant account terms, from PaymentCloud, Swipesum and Mobius published rates and Mastercard MATCH rules.

05Pricing

Fees as low as 0.9%.

No setup fee, no monthly fee, no reserve. Every fee is shown before a payment starts, and all of them come out of the USDC that arrives.

Railbed

From 0.9% of each sale

Set for your account and shown in your dashboard before any payment starts. Volume pricing for larger merchants.

Network fee

1%

For creating each payment’s forwarding address and delivering the USDC to your wallet.

Card provider

Its own fee and exchange rate

Shown to the buyer on the provider’s page before they pay. Smart Routing picks the provider with the lowest cost that will take the payment.

Start accepting paymentsProcessing more than $50,000 a month? Talk to sales.
06Who it’s for

If it’s legal where you sell it, we don’t judge it.

Supplements & nutraSell subscriptions and bundles without a reserve taken from every order.Adult content & creatorsVerified creators and platforms get paid the day they sell, not months later.Adult apps & AI companionsCharge for subscriptions and tokens without a processor reviewing your content.Licensed iGamingCard deposits that settle in USDC, for operators licensed in the markets they serve.Hemp & CBDKeep selling compliant products as card processors drop the category.Dating & socialMemberships and boosts, without months of “additional due diligence”.Vape & e-cigarettesSell compliant devices and e-liquids to age-verified adults while processors refuse the category.Online courses & coachingHigh-ticket programmes and coaching paid in full, with no chargebacks once the money settles.Digital goods & game top-upsKeys, credits and in-game currency, with no chargebacks after the code is delivered.
Don’t see your business? Tell us what you sell
07Plug and play

Live on your
store today.
No developer needed.

Connect Shopify or WooCommerce in a few clicks, or share a checkout page, link or buy button styled to your brand. Every sale lands in the same wallet.

Store integrations
IntegrationsWays to sell
1SShopifynorthwind.myshopify.comConnected
WWooCommercenorthwind.shop
BBuy buttonAny site with an HTML block
AMerchant APIYour own app or game
northwind.shopCheckout
Payment method
3Credit or debit card
Complete order · $49.00
1Pick your store platform
2Connect it in a few clicks
3Cards appear at your checkout
Hosted checkout

A checkout page,
live in a minute.

Name a product, set a price and publish. Set your brand once and every page, link and button wears it.

1
1Your logo, colors and theme
2Buyers pay with the card they have
3One tap to pay, settled to your wallet
Payment links

Sell anywhere you
can paste a link.

Every checkout comes with a short link and a QR code, so you can take payment in a bio, an email, an invoice or in person.

Payment linkActive
Pro Membership · $49.00 per month
1 pay.railbed.io/pro 2Copy
3
Scan to payFor packaging, menus and events.
1A short link for any product or price
2Copy it into a bio, email or invoice
3A QR code for print and in person
Pricing tables

Your plans,
side by side.

Show every tier with its features and let buyers pick one. Each plan goes straight to its own checkout.

1
Starter$19/ moChoose
2
ProRecommended
$49 / mo
5 seatsPriority supportAdvanced analytics
3Choose Pro
Team$99/ moChoose
1Monthly and yearly billing
2Feature the plan you recommend
3Each plan opens its own checkout
Embeddable widgets

A buy button
for any site.

Add one line of code and sell from pages you already have, with the same settlement and webhooks.

northwind.studio/field-notes
Field Notes, Vol. 2 Digital edition · $49.00 2Buy now
1
Add to any page
<railbed-button checkout="pro"></railbed-button>
1Paste one line of code
2A buy button appears on your page
08Questions

What merchants ask before they switch.

Do my customers need crypto?No. They pay with the card they already have, on a normal checkout page. The conversion to USDC happens after they pay, and it lands in your wallet.
Will my customers be asked for ID?Less often. Smart Routing sends each buyer to the on-ramp provider least likely to ask for ID at their amount and location. Some large or unusual payments may still need a check.
Can Railbed freeze my money like my last processor?Every completed payment settles straight to a wallet you control, so there is no balance sitting with us to hold. We decline businesses that are illegal where they operate or that break our acceptable use policy.
What happens with chargebacks?Once a payment settles to your wallet, it is yours. No chargeback comes back to you: the card provider that charged the card handles any dispute under its own rules, and a settled payment cannot be pulled back out of your wallet.
How do I get the money into my bank?Send USDC from your wallet to any exchange or off-ramp you use, then withdraw to your bank account. Many merchants keep part of their revenue in USDC.
I was dropped by Stripe, PayPal, Shopify Payments or Square. Can I use Railbed?Yes. A past shutdown or a MATCH listing doesn’t rule you out, and there is no processing history to submit. If your business is legal where you sell, you can be live today.
Does it work with Shopify and WooCommerce?Yes. Connect your store from the Integrations page in a few clicks and card payments appear in your existing checkout. No code.
Can I make the checkout look like my brand?Yes. Set your logo, colors and light or dark theme once, and every checkout, link, pricing table and buy button uses them.

Stop asking permission to get paid.

Set up in under a minute. Your first payment can settle today.

Live in under a minuteNo credit checkNo reserve

Moving a lot of volume?
Talk to our team