Powering Global Commerce with Secure Payment Gateways

From modular Payment APIs for developers to all-in-one Merchant Payment Software for retailers, P98 provides the Online Payment Processing infrastructure you need to scale without friction.

Powering Global Commerce with Secure Payment Gateways

From modular Payment APIs for developers to all-in-one Merchant Payment Software for retailers, P98 provides the Online Payment Processing infrastructure you need to scale without friction.

Online PAyment

Recuring PAyments

Digital Invocing

Digital Invocing

Partnering with top tier brands to revolutionize financial services.

A Smarter Way to
Build, Run, and Scale Payments

Dual Pricing

Our dual pricing solution gives your clients the choice to pay their way while helping you lower your processing costs.

Digital Invocing

From one-time bills to complex payment plans, P98 handles your invoicing with precision.

Recuring Payments

P98 makes recurring payments simple, managing everything from first-time signups to multi-level upgrades.

...and many more features

Built for High-Stakes Processing

PCI DSS Compliance

We uphold the strictest global security requirements, taking the full weight of compliance off your shoulders.

Our payment API is built for humans. The sensitive data stays with us via end-to-end tokenization, keeping your servers out of scope.
We separate legitimate transactions from malicious threats, reducing chargebacks through intelligent, real-time verification.

We combine automated account verification with unique device intelligence to authenticate identities and fund availability. Every transaction is a protected agreement, built to keep your revenue flowing without interruption.

Flexible Solutions for all Types of Business

Built for Developers,
by Developers.

Stop fighting with legacy code. Deploy PCI-compliant payment flows in hours using our Secure Payment API and robust SDKs.

JavaScript

Curl

NodeJS

PHP

Ruby

C

Dart

Swift

C#

				
					var settings = {
  "url": "/users/sessions",
  "method": "POST",
  "timeout": 0,
  "headers": {
    "Content-Type": "application/json"
  },
  "data": JSON.stringify({
    "userName": "{{UserName}}",
    "password": "{{Password}}"
  }),
};

$.ajax(settings).done(function (response) {
  console.log(response);
});
				
			

Payments Simplified for Everyone

Go live in minutes with our pre-configured payment options.

Payment Forms

Embedded payment forms that let customers pay securely without ever leaving your website.

QR Code

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Checkout Widgets

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Frequently Asked Questions

Most small businesses are tired of being treated like a number by giant processors. We offer the same high-tier tech—like automated invoicing and secure checkout widgets—but with a level of stability and support that actually fits your workflow. You get a professional payment setup that looks like a custom-built enterprise system, without the enterprise price tag or complexity.

Yes. We believe our platform should earn your business every month based on performance, not a legal obligation. Our pricing is transparent and straightforward, so you won’t find “junk fees” or surprise rate hikes on your statement. You stay because the system works and the costs are clear, giving you full control over your overhead.

P98 is built for those who have outgrown basic “plug-and-play” readers and need more control. This includes B2B companies requiring detailed data for lower rates, subscription-based businesses looking for automated billing, and developers who want a reliable API that maps directly to their own database. Whether you’re a scaling startup or a high-volume partner, the architecture is designed to grow with you.

We aim to move at the speed of your business. While typical merchant account approvals can be a bottleneck, our streamlined boarding process usually gets you cleared in 24 to 48 hours. On the technical side, our documentation is written for humans; most developers find they can begin testing in our sandbox environment and have their first live transaction running the same day.

We enable you to compete globally by supporting all major card brands (Visa, Mastercard, Amex, Discover) along with regional payment methods and digital wallets like Apple Pay and Google Pay. You can accept payments in multiple currencies, allowing your customers to pay in their local tender while you receive the funds in yours—making cross-border trade as simple as a domestic sale.

The Future of
Merchant Services in the USA.

Join over 5,000+ merchants and partners who have simplified their Credit Card Processing.
Whether you are a solo-entrepreneur or a global enterprise, P98 grows with your volume.
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