SMART PAYMENT INFRASTRUCTURE
Payments that
just clear.
Most processors get the job done. Polpay gets it done better — faster settlement, leaner fees, and approval rates that hold up under real volume. One connection. Every major network. 135+ markets covered. The complexity is ours to carry, not yours.
NETWORKS & PAYMENT METHODS WE SUPPORT
ADAPTIVE ROUTING
Every transaction finds
its best route
Polpay's routing engine watches success rates, latency, and cost as they happen, then splits every transaction across whichever providers are most likely to clear it.
Approval rates that lift themselves
Underperforming providers get sidelined automatically, and failed charges retry through backup rails without anyone touching a dashboard.
Built for your revenue, not ours
Every routing decision is optimised for your approval rate, not our margin. Pricing stays aggressive from day one — performance does the rest.
Instant failover, zero downtime
When a provider goes dark, traffic reroutes on its own — no pages, no manual switchover, no transactions left stranded.
Approval Rate
REVENUE INTELLIGENCE
Every transaction has
a story. We read it.
Polpay puts your entire payments stack in view — approval rates, processing costs, provider performance, and revenue trends, updated as it happens.
Revenue you can watch happen
Transactions settle on screen in real time. No end-of-day batch reports, no waiting to find out how the day went.
Know which providers earn their keep
See exactly which providers convert and which are quietly costing you customers, scored continuously.
Reconciliation, handled automatically
Payouts, fees, and settlements get matched on their own. Your revenue, down to the cent, without the spreadsheet.
SECURITY BY DEFAULT
Serious security.
Standard on every account.
Polpay is certified to the industry's highest standards. Every transaction moves through layers of encryption, monitoring, and compliance — so you don't have to think about any of it.
PCI DSS Level 1 Certified
The strictest tier of payment card industry compliance. Your customers' card data is handled to the highest global bar, audited independently every year.
End-to-end encryption
Everything in transit or at rest is encrypted with AES-256. Card data is tokenised the instant it arrives and is never stored in the raw.
Fraud detection that never blinks
Every transaction is scored against hundreds of risk signals in real time. Anything suspicious gets flagged and stopped before it settles.
LIVE RISK MONITOR
INSTALL · One-time setup
AUTHENTICATE
FIRST CALL
< 200msPOST /v1/charges →
succeeded 200 OK
135+ markets ready
$49.00 · Visa •••• 4242 · Just now
LIVEDEVELOPER FIRST
Ship in days,
not quarters.
Polpay is built for teams who want to move fast. Clean documentation, straightforward APIs, and hands-on support mean less time wiring things up and more time shipping.
One API, every market
A single integration unlocks 135+ markets, local card schemes, and payment methods — no per-country setup required.
Sell in any currency, anywhere
Charge in any major global currency without extra configuration. One parameter, one integration — customers pay however feels native to them.
Webhooks & unified statuses
Real-time updates land on your endpoint. Card and Open Banking share one status model, so your logic stays simple — with a full sandbox to test before you flip the switch.
GLOBAL REACH
Processed locally.
Scaled globally.
Polpay doesn't just accept cards across borders — it processes locally. That means stronger approval rates, lower interchange fees, and a checkout that feels native wherever your customer is.
Local acquiring in 135+ markets
Transactions route through in-country acquirers wherever possible, cutting the declines that cross-border flags tend to cause.
135+ currencies accepted
Charge customers in their own currency and settle in yours. Conversion happens automatically, right at the point of sale.
Popular Markets
New York
UTC-5
Online
London
UTC
Online
Dubai
UTC+4
Online
Singapore
UTC+8
Online
Sydney
UTC+10
Online
São Paulo
UTC-3
Online
HUMAN SUPPORT, 24/7
Real humans.
Real fast.
Always on.
Every Polpay customer gets a direct line to a real technical support team — not a chatbot, not a ticket queue. When something breaks, we're already looking at it.
Dedicated account engineer
Every account is paired with a named engineer who knows your integration, your stack, and your business — around the clock.
15-minute response guarantee
Critical issue? A qualified engineer responds within 15 minutes, day or night, no exceptions.
Proactive incident monitoring
We watch your transaction flow continuously. If something looks off, we're reaching out before you even notice.
ONBOARDING
From first contact to
first payout in
just days.
Getting started with Polpay is straightforward. Onboarding is built for speed — most merchants are live within 3 to 10 business days.
Pricing & Scope
We lock in fee structure, volumes, and the markets you need right from the start. No surprises down the line.
KYC / KYB
Send over your company documents, UBO IDs, and compliance policies. Our team walks you through every requirement.
Agreement & MID
Sign the agreement, get your Merchant ID, and your account is provisioned and ready to configure.
Integration & Live
Grab your API keys, run QA with our engineers, and launch to production. You're live.
FAQ
Frequently asked questions
Everything you need to know about the product and billing.
Most teams have it wired up within an afternoon. Between the documentation and our SDKs, there's not much room to get stuck.
135+ currencies, worldwide. Charge customers in their own currency and get paid out in yours.
Two business days by default. Growth and Enterprise plans unlock instant payouts, any time, any day.
None. The price you see is the price you pay — no setup charges, no monthly minimums, no surprise cancellation fees.
Yes — Polpay is a certified PCI Level 1 Service Provider, so the sensitive card-data handling is on us, not you.
Nope. Polpay acts as your merchant of record, so you can start taking payments right away without setting one up separately.
Ready to grow without the friction?
Join thousands of companies running their financial infrastructure on Polpay.