Payments AI Gateway
The Payments AI Gateway is the native gateway. It requires no external account and no backend processor, as Payments AI processes payments on this gateway directly. It becomes available after your account application is approved.
Getting started
The Payments AI Gateway is activated through an application and review process:
- Complete the gateway application and onboarding form.
- Upload the requested documents. See KYC Required Documents.
- Payments AI completes its review, which may include a manual review.
- Once approved, the gateway is active and ready to process live payments.
No processor to connect:
Unlike external gateways, the Payments AI Gateway does not require you to open an account with a backend processor or to obtain a VAR sheet. Processing is handled by Payments AI. If you need a VAR sheet for the Payments AI Gateway (for example, for your own bank or internal systems), Payments AI can provide one on request.
Supported regions
Merchant accounts on the Payments AI Gateway can be registered from a range of countries across North America and Europe. For the full list of merchant account countries and their currencies, see Supported Payment Methods.
Card brand restrictions
The Payments AI Gateway accepts the major card brands, with the following currency restrictions:
- JCB, Discover, and Diners Club International: these cards can only be charged in USD.
- American Express: cannot be charged in certain currencies (see the supported currencies list). Affected currencies include AMD, BSD, BHD, BBD, BYR, BMD, BOB, CRC, DOP, XCD, GEL, GIP, GTQ, INR, JMD, NAD, PKR, PAB, PEN, RSD, SDG, TTD, UYU, UZS, and VND, among others.
Transaction fees
Transaction fees, chargeback fees, refund fees, and other charges for the Payments AI Gateway are documented in Pricing and Fees. Fees vary by region (US, Canada, UK, Europe) and by whether the card was issued in the same region.
Supported currencies
The Payments AI Gateway supports a broad range of ISO currencies (see Supported Payment Methods for the canonical list). Note the card-brand restrictions above.
Reviews and risk
The Payments AI Gateway is subject to ongoing review:
- Manual review: Some applications are routed to a manual review before approval.
- Risk reviews: These are triggered by signals such as high chargeback rates, fraud notifications, and non-compliant website language. See Risk and Fraud.
- Rolling reserves: A portion of funds may be held as a rolling reserve, depending on your risk profile.
- KYC period reviews: Accounts undergo periodic re-verification. See KYC Overview.
Bank information
A payout bank account must be configured to receive settlements. You can update your bank information from the dashboard.