# Everpay

> Everpay is a global payments platform: payment gateway, multi-acquirer routing, fraud prevention, payouts, POS, card issuing and stablecoin settlement for ecommerce, retail, SaaS, marketplaces, enterprises and higher-risk merchants. Operated by Everpay Corporation, Toronto, Canada.

## Products
- [Unified Commerce Payments](https://everpayinc.com/commerce): Sell online, in store and on mobile with one platform. Everpay unifies payments, reporting and reconciliation across every sales channel.
- [Payment Fraud Prevention Tools](https://everpayinc.com/fraud-prevention): Stop fraud and false declines with Everpay ML risk scoring, device intelligence, 3D Secure and real-time transaction monitoring built into checkout.
- [Merchant Cash Advance & Funding](https://everpayinc.com/funding): Everpay Funding gives eligible merchants fast access to working capital based on payment processing history, with repayment tied to card sales.
- [Accept Online Payments Worldwide](https://everpayinc.com/online-payments): Accept cards, wallets, bank transfers and local payment methods online through one API, hosted checkout and payment links with built-in fraud protection.
- [Global Payment Methods & Currencies](https://everpayinc.com/payments): See the cards, wallets, bank debits, buy-now-pay-later, crypto and regional payment methods Everpay supports for merchants selling worldwide.
- [Caribbean Card Payments for CARICOM Merchants](https://everpayinc.com/payments/caribbean): Accept card payments in local currencies and USD from customers across CARICOM markets, including Jamaica and Trinidad and Tobago.
- [Payment Processing Pricing & Fees](https://everpayinc.com/pricing): Online card payments at 3.95%, volume pricing from $0.10 to $0.02 per transaction, plus merchant of record and high-risk pricing.
- [Card Issuing: Virtual & Physical Cards](https://everpayinc.com/products/card-issuing): Issue virtual and physical cards with spending controls, limits and real-time authorization through the Everpay Card Issuing API and dashboard.
- [Payment Gateway & Multi-Acquirer Routing](https://everpayinc.com/products/payment-gateway): One payment gateway integration for global card processing, alternative methods, cascading retries and smart routing across multiple acquirers.

## Solutions
- [Payment Integrations Directory](https://everpayinc.com/integrations-directory): Browse Everpay integrations: ecommerce platforms, payment gateways, banking and settlement partners, with supported countries and setup details.
- [Ecommerce Payment Solutions](https://everpayinc.com/solutions/ecommerce): Higher-converting checkout for online stores: local payment methods, multi-currency, smart routing and fraud protection with Shopify and API integrations.
- [Enterprise Payment Infrastructure](https://everpayinc.com/solutions/enterprise): Enterprise payments with multi-acquirer routing, global settlement, treasury tools and dedicated support for high-volume, multi-market businesses.
- [Marketplace Payments & Split Payouts](https://everpayinc.com/solutions/marketplaces): Collect once and pay many: marketplace payments with seller onboarding, split payouts, KYC and compliant funds flow for multi-vendor platforms.
- [Mobile Payments & Tap to Pay](https://everpayinc.com/solutions/mobile-payments): Accept payments anywhere with in-app payments, mobile wallets and tap-to-pay on phone, plus reporting and settlement in one dashboard.
- [POS Terminals & Payment Hardware](https://everpayinc.com/solutions/pos): Countertop, mobile and tablet POS terminals with unified online and in-person reporting, fast settlement and one platform for every sales channel.
- [Restaurant Payment Processing & POS](https://everpayinc.com/solutions/restaurant): Tableside POS, online ordering payments, tipping and fast settlement for restaurants, cafes and hospitality groups with transparent processing fees.
- [Retail Payment Solutions & POS](https://everpayinc.com/solutions/retail): Retail payments that unify in-store POS, online checkout and reporting. Faster checkout, local payment methods and clear settlement for retailers.
- [Payments for SaaS & Platforms](https://everpayinc.com/solutions/saas-platforms): Embed payments in your software: recurring billing, split payouts, onboarding and reconciliation APIs for SaaS companies and vertical platforms.
- [Stripe Alternative for Global Payments](https://everpayinc.com/solutions/stripe-alternative): Compare Everpay with a single-acquirer setup: multi-acquirer routing, higher-risk category review, local methods, interchange-plus pricing and migration.

## Guides and articles
- [Payments Guides & Insights](https://everpayinc.com/blog): Plain-English guides on payment gateways, merchant processing, fraud prevention, approval rates, cross-border settlement and high-risk payments.
- [What Is a Payment Gateway and How Does It Work?](https://everpayinc.com/blog/what-is-a-payment-gateway-and-how-does-it-work): What is a payment gateway? Learn the definition, how a gateway moves a payment from checkout to approval, what it costs and how to pick the right one.
- [Online vs In-Person Payment Processing: Key Differences](https://everpayinc.com/blog/online-vs-in-person-payment-processing): Online vs in-person payment processing compared: card-not-present vs card-present, fees, fraud liability, chargebacks and how to run omnichannel payments.
- [Benefits of Accepting Global Payment Methods](https://everpayinc.com/blog/benefits-of-accepting-global-payment-methods): Why accepting global and local payment methods lifts conversion, widens your market and cuts friction. See the benefits, trade-offs and how to roll them out.
- [How Fraud Prevention Improves Payment Approval Rates](https://everpayinc.com/blog/how-fraud-prevention-improves-payment-approval-rates): Fraud tools can raise approval rates by cutting false declines. Learn how risk scoring, 3D Secure and routing work together to approve more good orders.
- [Choosing the Right Payment Processor: A Checklist](https://everpayinc.com/blog/choosing-the-right-payment-processor-for-your-business): How to choose a payment processor: a practical comparison checklist covering fees, approval rates, risk appetite, payouts and the best ecommerce solutions.
- [High-Risk Merchant Account Guide: What It Is, How It Works](https://everpayinc.com/blog/high-risk-merchant-account-guide): What makes a business high risk, how high-risk payment processing differs from a standard account, what underwriters review and how to prepare your application.
- [iGaming Payment Processing: What Operators Need to Know](https://everpayinc.com/blog/payments-for-igaming-operators): How iGaming payment processing works: payment methods for gaming operators, licensing and KYC expectations, chargeback risk and what processors look for.
- [Rolling Reserves Explained: How They Work & How to Cut Them](https://everpayinc.com/blog/rolling-reserves-explained): What a rolling reserve is, how processors hold and release merchant funds, how reserve structures vary and what you can do to reduce reserve exposure.
- [Stablecoin Settlement for Cross-Border B2B Payments](https://everpayinc.com/blog/stablecoin-settlement-for-cross-border-trade): How stablecoin settlement works for cross-border B2B payments, what compliance it needs, the real risks and how it applies to Caribbean trade corridors.
- [Letter of Credit vs Stablecoin Settlement Compared](https://everpayinc.com/blog/letters-of-credit-vs-stablecoin-settlement): Compare letters of credit and stablecoin settlement on speed, cost, documentation and protection, and learn when a letter of credit is still the right tool.
- [Best Payment Gateway for Ecommerce Businesses (2026)](https://everpayinc.com/blog/best-payment-gateway-for-ecommerce-businesses): How to choose the best payment gateway for your ecommerce business: fees, approval rates, global payment methods, fraud tools and integrations compared.
- [How Merchant Payment Processing Works, Step by Step](https://everpayinc.com/blog/how-merchant-payment-processing-works): Learn how merchant payment processing works: authorization, clearing and settlement, who the players are, what fees apply and where payments fail.
- [Payment Gateway vs Merchant Account: Key Differences](https://everpayinc.com/blog/payment-gateway-vs-merchant-account): Payment gateway vs merchant account explained: what each does, how they work together, when you need both and how to choose between bundled and separate setups.
- [Best POS Systems for Retail Businesses: Buyer's Guide](https://everpayinc.com/blog/best-pos-systems-for-retail-businesses): How to choose the best POS system for a retail business: hardware, payments, inventory, omnichannel sales, reporting, pricing and questions to ask vendors.
- [How to Accept Payments Internationally: A 2026 Guide](https://everpayinc.com/blog/how-to-accept-payments-internationally): How to accept international payments: local payment methods, multi-currency pricing, settlement options, FX costs, compliance and fraud tips for global sellers.
- [Payment Fraud Prevention Best Practices for Merchants](https://everpayinc.com/blog/payment-fraud-prevention-best-practices): Payment fraud prevention best practices: layered defenses, 3D Secure, risk scoring, velocity rules and chargeback management without hurting approvals.
- [How to Improve Payment Approval Rates: 10 Proven Tactics](https://everpayinc.com/blog/how-to-improve-payment-approval-rates): Improve payment approval rates with smart routing, retries, 3D Secure, clean data, local acquiring and decline-code handling. Practical steps for merchants.
- [The Float Tax: What 30-60 Day Settlement Really Costs](https://everpayinc.com/blog/the-float-tax-what-slow-settlement-costs): Slow settlement has a price: your borrowing rate on every dollar in transit. See how to calculate the float tax on letters of credit, wires and reserves.
- [Dropped or Frozen by Your Payment Processor? What to Do](https://everpayinc.com/blog/what-to-do-when-your-payment-processor-drops-you): Declined, frozen or terminated by Stripe, PayPal or another processor? Learn why it happens, how to protect cash flow and how to find a high-risk processor.

## Insights
- [Payments Insights](https://everpayinc.com/insights): Guides on payment orchestration, global payments, merchant infrastructure, optimization, treasury and FX, compliance, research and payments terms.
- [Global Payments Guide](https://everpayinc.com/insights/global-payments): Accepting payments across borders: local payment methods, currencies, card-not-present risk and how to plan a multi-country launch.
- [Payments Glossary](https://everpayinc.com/insights/glossary): Plain-English definitions of the payments terms used across Everpay's guides, from acquirer and gateway to 3-D Secure and tokenization.
- [Merchant Payments Infrastructure](https://everpayinc.com/insights/merchant-infrastructure): The systems merchants rely on to take payments: gateways, APIs, hosted checkout, payment links, POS and reconciliation.
- [Payment Optimization Guide](https://everpayinc.com/insights/payment-optimization): Improving approval rates, cutting avoidable declines and reducing payment costs through routing, retries and authentication.
- [Payment Orchestration Guide](https://everpayinc.com/insights/payment-orchestration): How payment orchestration routes transactions across processors, retries declines and keeps one integration working across providers.
- [Payments Compliance Guide](https://everpayinc.com/insights/payments-compliance): Compliance for payments businesses: PCI DSS scope, KYC and KYB checks, AML monitoring, sanctions screening and vendor security reviews.
- [Payments Research](https://everpayinc.com/insights/research): Research and analysis on payments: approval trends, checkout behavior, cross-border flows and methodology notes behind our figures.
- [Treasury and FX for Payments](https://everpayinc.com/insights/treasury-and-fx): Managing settlement currencies, FX exposure, payout timing and cash visibility for businesses that accept payments in several currencies.

## Trust, security and policies
- [AML Policy](https://everpayinc.com/aml-policy): Everpay's anti-money laundering policy: customer due diligence, KYC and KYB, sanctions screening, transaction monitoring and suspicious activity reporting.
- [Cookie Policy](https://everpayinc.com/cookie-policy): How Everpay uses cookies and similar technologies, what each category does, and how to accept, reject or change your cookie and tracking choices at any time.
- [Privacy Policy](https://everpayinc.com/privacy-policy): How Everpay collects, uses, shares and protects personal information, plus your privacy rights under GDPR, CCPA/CPRA and Canadian law and how to exercise them.
- [Payment Security & Compliance](https://everpayinc.com/security): How Everpay protects card data: tokenization, encryption, 3D Secure, continuous monitoring and audit-ready controls.
- [Terms of Service](https://everpayinc.com/terms): Everpay terms and conditions for the website, platform and payment services: eligibility, acceptable use, fees, subscriptions, liability and dispute resolution.
- [Trust Center: Security, Compliance & Policies](https://everpayinc.com/trust-center): Everpay's trust center: security, AML and KYC program, data protection, restricted businesses, complaints process and every compliance policy in one place.
- [Restricted & Prohibited Businesses Policy](https://everpayinc.com/restricted-businesses): Which businesses Everpay prohibits and which require enhanced due diligence, including gaming, CBD, travel and subscription models. Read before you apply.
- [Complaints Procedure](https://everpayinc.com/complaints): How to make a complaint to Everpay: how to contact us, what to include, how we investigate and how to escalate if you are not satisfied with our response.
- [Accessibility Statement](https://everpayinc.com/accessibility): Everpay's commitment to digital accessibility: our WCAG 2.1 AA target, known limitations and how to report an accessibility barrier on our website.
- [Copyright & DMCA Policy](https://everpayinc.com/copyright-policy): How to report copyright infringement to Everpay, what a valid notice must include, how counter-notices work and our policy on repeat infringers.

## Company
- [About Everpay](https://everpayinc.com/about): Everpay builds global payment infrastructure for startups to enterprises: multi-acquirer routing, fraud prevention and fast settlement from Toronto, Canada.
- [Careers at Everpay](https://everpayinc.com/careers): Join Everpay and help build global payments infrastructure. Explore open roles in engineering, compliance, risk and operations at our Toronto-based fintech.
- [Contact Everpay Sales & Support](https://everpayinc.com/contact): Talk to Everpay about payment processing, integrations, high-risk underwriting or support. Reach our Toronto team by form, email or phone.
- [Request a Payment Platform Demo](https://everpayinc.com/demo): See Everpay in action: smart routing across acquirers, hosted checkout, fraud tools and payouts. Book a personalized demo with our payments team.
- [Partner & Reseller Programs](https://everpayinc.com/partners): Grow with Everpay: reseller, referral and technology integration partnerships for ISOs, agencies, platforms and payment professionals worldwide.

## Developers
- [API documentation](https://docs.everpayinc.com/docs): API reference, quick start, SDKs and webhooks
- [OpenAPI specification](https://everpayinc.com/everpay-openapi.json)