# ePayVista

> ePayVista is a payment gateway for high-risk online merchants — the businesses that Stripe, PayPal, Square and traditional high-risk acquirers reject, freeze, or price out. Customers check out with a credit or debit card, Apple Pay or Google Pay exactly as they do today; the merchant is paid out instantly in USDC or USDT to an account only the merchant controls. The fee is a flat 1% per transaction — no monthly fee, no gateway fee, no setup fee, no rolling reserve and no chargeback fee. There is no underwriting and no merchant KYC document gauntlet: identity verification happens on the payer at checkout, and merchant setup takes about five minutes.

ePayVista, 164 W 25th St, Suite 4F, New York, NY 10001 · contact@epayvista.com

## Key facts

- **What it is:** a high-risk payment gateway. Card in at checkout, merchant paid out in USDC or USDT.
- **Pricing:** flat 1% per transaction. No monthly fee, no gateway fee, no setup fee, no rolling reserve, no chargeback fee.
- **Settlement:** instant, to an account only the merchant controls. Nothing for a processor to freeze or hold.
- **Chargebacks:** structurally impossible — once a payment settles it is final, so there is no dispute mechanism to abuse.
- **Approval:** setup, not underwriting. No merchant application, no underwriting review, no MATCH/TMF check on the merchant. KYC is performed on the payer at checkout.
- **Setup time:** about 5 minutes for a WooCommerce store.
- **Integrations:** WooCommerce plugin (live, free) · Shopify (beta) · REST API with signed webhooks (beta, free with every account) · Chrome extension · MCP server for AI agents · white-label platform (paid).
- **Card minimums:** $5 per payment on Base or Polygon; $20 on Ethereum.
- **Payment methods at checkout:** credit and debit cards, Apple Pay, Google Pay.
- **Verticals served:** CBD and hemp, supplements and nutraceuticals, peptides, vape / e-cig and smoke shop, kratom, adult and creator platforms, forex and trading education, licensed iGaming, coaching and info products, subscriptions.
- **Contact:** contact@epayvista.com
- **Merchant portal:** https://pay.epayvista.com/portal
- **Developer sandbox and API docs:** https://pay.epayvista.com/sandbox


## Core pages

- [Home](https://epayvista.com/): What ePayVista is, who it is for, and how the flat 1% compares to mainstream and high-risk processors.
- [FAQ](https://epayvista.com/faq): 22 answers covering API access, pricing, settlement, minimum order sizes, setup and eligibility.
- [WooCommerce plugin](https://epayvista.com/download): Download the free WordPress/WooCommerce plugin and go live in about five minutes.
- [API access](https://epayvista.com/api): Free REST API and signed webhooks for custom checkouts; how to get a key and test in the sandbox.
- [White-label platform](https://epayvista.com/whitelabel): Run a branded payment platform on ePayVista rails: pilot $1,000, hosted from $5,000.
- [MCP for AI agents](https://epayvista.com/mcp): Connect Claude or any MCP client so an AI agent can create payment links and check status.
- [About](https://epayvista.com/about): Who ePayVista is and why the product exists.
- [Customer support](https://epayvista.com/contact): Email contact@epayvista.com; a person replies, usually within a few hours.


## Industry pages

- [CBD payment processing](https://epayvista.com/cbd-payment-processing): Accepting cards for CBD and hemp without the shutdown cycle.
- [Peptide payment processing](https://epayvista.com/peptide-payment-processing): Card payments for research peptides with no bans and no frozen funds.
- [Supplement payment processing](https://epayvista.com/supplement-payment-processing): Supplements and nutraceuticals with no chargebacks and no reserves.
- [Vape payment processing](https://epayvista.com/vape-payment-processing): Vape, e-cig and smoke shop card acceptance that banks cannot switch off.
- [Adult payment processing](https://epayvista.com/adult-payment-processing): Adult and creator payments without reputational gatekeeping.
- [Forex payment processing](https://epayvista.com/forex-payment-processing): Forex and trading education payments where a losing customer cannot charge back.
- [Gambling and iGaming processing](https://epayvista.com/gambling-payment-processing): Deposit processing for licensed operators without MCC 7995 gatekeeping.


## Developer resources

- [Merchant portal](https://pay.epayvista.com/portal): create payment links, view payments, reveal your API key under Developer.
- [Developer sandbox and API documentation](https://pay.epayvista.com/sandbox): endpoints, the API-Key header, request/response shapes, webhook signature scheme, free sandbox credentials and test tokens.
- [Chrome extension](https://chromewebstore.google.com/detail/gigmlccfkpcadghaddconchkooejpnaj): create and share a payment link from any tab.


## Guides and news

- [All articles](https://epayvista.com/news): index of every ePayVista guide.
- [High Risk Merchant Account: 2026 Fees, Reserves, Alternative](https://epayvista.com/news/high-risk-merchant-account)
- [High Risk Merchant Account Documents: Full Checklist](https://epayvista.com/news/high-risk-merchant-account-documents-checklist)
- [High Risk Merchant Account Approval Time: 2026 Guide](https://epayvista.com/news/high-risk-merchant-account-approval-time)
- [High Risk Merchant Account Settlement Time: Why Payouts Run Late](https://epayvista.com/news/high-risk-merchant-account-settlement-delays)
- [Rolling Reserve Payment Processing: How to Avoid It](https://epayvista.com/news/rolling-reserve-payment-processing)
- [No Chargeback Payment Processor: Flat 1%, No Disputes](https://epayvista.com/news/no-chargeback-payment-processor)
- [MATCH List (TMF): What It Is and How to Keep Processing](https://epayvista.com/news/match-list-terminated-merchant-file)
- [Visa VAMP 2026: 1.5% Threshold for High-Risk Merchants](https://epayvista.com/news/visa-vamp-threshold-high-risk-merchants)
- [Stripe Shut Down My Account? Why and What to Do (2026)](https://epayvista.com/news/stripe-shut-down-my-account)
- [PayPal Holding My Funds 180 Days: What to Do](https://epayvista.com/news/paypal-holding-my-funds-180-days)
- [Why Did My Merchant Account Get Frozen? (2026)](https://epayvista.com/news/why-did-my-merchant-account-get-frozen)
- [The Payment Processor That Won't Freeze Your Account](https://epayvista.com/news/payment-processor-that-wont-freeze-your-account)
- [Chargeback Fraud and High-Risk Merchants: 2026 Data](https://epayvista.com/news/chargeback-fraud-high-risk-merchants)
- [Backup Payment Processor for High-Risk Merchants (2026)](https://epayvista.com/news/backup-payment-processor-high-risk-merchants)
- [Smoke Shop Merchant Account: Why You Get Declined](https://epayvista.com/news/smoke-shop-merchant-account)
- [OnlyFans Payment Processor: Why Creators Keep Getting Banned](https://epayvista.com/news/onlyfans-payment-processor)
- [Prop Trading Firm Payment Processor: Why Stripe Won't Work](https://epayvista.com/news/prop-trading-firm-payment-processor)
- [Kratom Payment Processing for WooCommerce (2026)](https://epayvista.com/news/kratom-payment-processing-woocommerce)
- [Cannabis Payment Processing for Dispensaries (2026)](https://epayvista.com/news/cannabis-payment-processing)
- [Credit Card Processing for Crypto Businesses (2026)](https://epayvista.com/news/credit-card-processing-for-crypto-businesses)


## Optional

- [Privacy policy](https://epayvista.com/privacy): How ePayVista handles data.
- [Terms of service](https://epayvista.com/terms): Terms governing use of ePayVista.


## Full text

- [llms-full.txt](https://epayvista.com/llms-full.txt): the complete plain-text content of every core and industry page in one file.


Last updated: 2026-09-10