Powering Global Commerce with Secure Payment Gateways
A Smarter Way to
Build, Run, and Scale Payments
Card Payments
ACH / Bank Transfers
Dual Pricing
Digital Invoicing
Recurring Payments
10K+
Active Merchants
$1B+
Processed Annually
99.99%
Uptime
24/7
Support
Built for High-Stakes Processing
PCI DSS Compliance
We uphold the strictest global security requirements, taking the full weight of compliance off your shoulders.
End-to-End Tokenization
Our payment API is built for humans. The sensitive data stays with us via end-to-end tokenization, keeping your servers out of scope.
Fraud Detection
We separate legitimate transactions from malicious threats, reducing chargebacks through intelligent, real-time verification.
Secure ACH & Card Processing
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
Education
Hospitality
Retail
Professional Services
Restaurants
Subscription Businesses
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.
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);
});
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
QR codes that let customers pay instantly without ever leaving the moment—just scan and pay securely.
Checkout Widgets
Checkout widgets that let customers pay securely without ever leaving your website.
Frequently Asked Questions
Why should I choose P98 as my payment gateway for a small business?
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.
Does P98 offer no-contract payment processing with no hidden fees?
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.
Who is the P98 payment platform designed for?
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.
How long does it take to get started?
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.
What international payment methods and currencies do you support?
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.
Whether you are a solo-entrepreneur or a global enterprise, P98 grows with your volume.