Declined or frozen? Take payments again.
Luzapay is for businesses mainstream processors turn away. Accept cards, Apple Pay and crypto through one checkout, and get paid in stablecoins to your own wallet. No rolling reserve. No chargeback clawbacks.
- Cards
- 3.9%
- Crypto
- 2%
- Setup
- $0
- Monthly
- $0
What a $100 sale looks like
| Line item | Card | Crypto |
|---|---|---|
| Sale price | $100.00 | $100.00 |
| Processing fee | Buyer pays | None |
| Luzapay fee | -$3.90 | -$2.00 |
| You receive | $96.10 | $98.00 |
Who it's for
If your category keeps getting you declined, start here
Trading signals and finance education
Signal groups, courses and mentorship often get labeled high risk because of the category, whatever your customers think of you.
Digital goods
Downloads, licenses, templates and game items. Instant delivery makes processors nervous about disputes.
Cross-border freelancers and agencies
Clients in one country, you in another. Get paid without a processor questioning every invoice.
Supplements
Vitamins, nutrition and wellness products. For many processors, the category alone is enough to say no.
Subscription apps
Processors often hold back part of your revenue against future refunds. Luzapay keeps no rolling reserve.
Something else?
Tell us what you sell at support@luzapay.com and we will give you a straight answer.
How it works
Three steps to your first payment
- 1
Create your account
Create your account and add the wallet you want to be paid to.
- 2
Connect your checkout
Payment links for anything, a WooCommerce plugin, or our API for custom sites. One checkout takes Visa, Mastercard, Apple Pay, BTC, USDT, USDC and more.
- 3
Get paid to your wallet
Request a payout any time; we send USDT or USDC to your wallet, usually within one business day.
Pricing
You pay when you get paid
Cards
Visa, Mastercard, Apple Pay
3.9%
per sale. A card processing fee is added at checkout and paid by the buyer.
Crypto
BTC, USDT, USDC and more
2%
per sale. Crypto has no buyer fee.
On every account
- No setup fee
- No monthly fee
- No rolling reserve
- No chargeback clawbacks
FAQ
What you are probably wondering
Another processor just declined me. Can I still sign up?
Yes. Luzapay is built for businesses that mainstream processors decline or freeze. You create your account online at app.luzapay.com/signup, with no setup fee and no sales call.
How do I connect Luzapay to my site?
Payment links for anything, a WooCommerce plugin, or our API for custom sites.
What can my buyers pay with?
Visa, Mastercard, Apple Pay, and crypto including BTC, USDT and USDC. All of it runs through one checkout, and buyers paying by card do not need to own any crypto.
What does Luzapay cost?
3.9% on card payments and 2% on crypto payments. There is no setup fee and no monthly fee, so if you process nothing, you pay nothing.
Who pays the card processing fee?
Card payments carry a processing fee that's added at checkout and paid by the buyer, so your 3.9% comes off the sale price, not the fee. Crypto has no buyer fee.
How do I get paid?
Request a payout any time; we send USDT or USDC to your wallet, usually within one business day. That applies whether the buyer paid by card or crypto.
Do you hold back a rolling reserve?
No. Luzapay does not keep a percentage of your sales in reserve.
What happens to me if a buyer files a chargeback?
Luzapay does not claw the money back from you. There are no chargeback deductions taken out of your payouts.
Got declined? Start taking payments again.
Sign up online. No setup fee, no monthly fee.