Card-present vs. card-not-present: a practical guide to payment security
What actually changes between a countertop terminal and a checkout page, and where fraud liability tends to land in each case.
Read article
Payments infrastructure, unified
One dashboard for every way your customers pay
ConvergePay combines card-present terminals, online checkout and payouts into a single account, so your team stops reconciling three tools and starts shipping.
Built for teams like
Harlow & Finch
Northbound Goods
Ostro Studio
Fielder Market
$1,248.90
Payment approved · Visa ··4471
99.98%
Uptime, last 12 mo.
2.1s
Avg. payout speed
What you get
Everything a payments stack needs, nothing it doesn't
Every plan includes the fundamentals: accept cards in person and online, move money out fast, and see it all in one ledger.
Card-present terminals
Countertop, mobile and self-serve readers that work offline and sync the moment signal returns.
Hosted checkout
A checkout page or embeddable widget that supports cards, wallets and local payment methods out of the box.
Fraud & risk screening
Rules-based and adaptive screening on every transaction, with clear reasons when something is held for review.
Next-day payouts
Move settled funds to your bank account on a schedule you set, down to same-day for eligible accounts.
Unified reporting
One ledger across every channel, with exports that match what your accountant already expects.
Human support
A named support contact once you're live, plus 24/7 coverage for anything payment-critical.
Getting started
Live in about a week, not a quarter
Most teams move from signup to their first live transaction in five to seven business days.
01
Apply
Tell us about your business. Most applications get a decision within one business day.
02
Connect
Plug in our checkout widget, use a ready-made plugin, or call the API directly.
03
Verify
Run a test transaction in the sandbox and confirm your payout details.
04
Go live
Flip the switch and start accepting real payments across every channel you enabled.
0Platform uptime
0Currencies supported
0Median approval time
0Businesses onboarded
Pricing
Simple pricing that scales down as you grow up
No setup fees, no monthly minimums on the core plan. Volume pricing available for teams processing over $1M annually.
Starter
For new businesses testing their first payment flow.
2.9% +30¢
per successful online transaction
- Hosted checkout page
- Standard payout schedule
- Email support
- Basic fraud screening
Growth
For teams processing in-person and online.
2.5% +15¢
per transaction, blended rate
- Everything in Starter
- In-person terminals included
- Next-day payouts
- Adaptive fraud screening
- Priority chat & phone support
Scale
For high-volume and multi-entity businesses.
Custom
volume-based pricing
- Everything in Growth
- Dedicated account manager
- Same-day payouts
- Custom risk rules
Built for your industry
Payment flows tuned to how you actually sell
Retail & shops
In-store terminals with offline mode and same-day inventory sync.
E-commerce
A checkout that adapts to the customer's country and preferred wallet.
Restaurants
Tableside and counter payments with built-in tipping and split checks.
Professional services
Invoicing, recurring billing, and payment links for client work.
“
We moved our online and in-store payments onto one account and closed our books two days faster every month.
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