Solutions

2D payment gateway services, built for the checkouts OTP breaks

If your customers are international, recurring, or in a category the big processors avoid, a 2D gateway is usually the difference between a payment completing and a payment failing.

Our Services

What each service actually involves

The short version is on the home page. This is the detail behind our 2D payment gateway without OTP — what you get, who it suits, and what to expect.

Service 01

2D Gateway Non OTP

With a 2D payment gateway without OTP, card details are submitted once and sent straight for authorisation. Nothing is passed to the issuing bank's verification page, so there is no SMS to wait for and no session to time out — the two things that cause most abandoned checkouts on cross-border orders.

Card number, expiry and CVV only — no redirect, no challenge screen
Hosted payment page, invoice links, API, or WordPress plugin
Typical checkout completes in two to four seconds
Works the same on mobile browsers, where OTP failure rates are highest

Service 02

High Risk 2D Gateway

Qualifying for a high risk 2D payment gateway is usually about chargeback averages, regulatory complexity or an unfamiliar category — not legitimacy. We underwrite the business in front of us rather than declining on category alone, and we say no quickly when the answer is no.

No transaction ceiling once your account is approved and settled
Underwriting reviews your actual volume and dispute history
Chargeback alerts and screening rules configured with you at setup
A straight decision within a day, including when it is a rejection

Service 03

2D Gateway For NGO

Giving is an impulse, and impulses do not survive a verification screen. That is the whole case for a 2D payment gateway for NGO work. Donation pages lose more to friction than to price, which is why removing the authentication step matters more here than in almost any other category.

One-off and recurring donations from the same checkout
Donors pay in their own currency; you settle in yours
Embeddable donation forms and shareable campaign links
Reduced rates for registered non-profits — ask when you apply

Service 04

Instant Global Payouts

Collecting the money is half the job of any 2D payment gateway. Settlement runs on a 24-hour cycle to your bank account, and we tell you the reserve position before you sign rather than after your first payout lands short.

Daily settlement, with cut-off times confirmed at onboarding
Multi-currency collection with conversion at settlement
No rolling reserve on higher tiers
Reconciliation reports you can hand straight to your accountant

01 — E-COMMERCE

Cross-border online stores

Selling into markets where OTP delivery is unreliable means losing sales you already paid to acquire. Roaming customers, weak networks and foreign-issued cards all fail the verification step. 2D processing removes that failure point entirely.

02 — HIGH-RISK

High-risk merchants

Some categories get declined by mainstream processors for reasons unrelated to legitimacy — chargeback averages, regulatory complexity, or simple unfamiliarity. We review these on their merits and tell you honestly if we can't approve you.

03 — NON-PROFIT

NGOs & donations

Donation flows are unusually sensitive to friction. Someone moved to give in the moment will often abandon the process if asked for extra verification. A single-step checkout keeps far more of those intentions intact.

04 — RECURRING

Subscriptions & SaaS

You cannot ask a customer for an OTP every billing cycle. 2D processing lets recurring charges complete without customer intervention — the baseline requirement for any membership or retainer model.

Before You Decide

When 2D isn't the right answer

We'd rather say this upfront than have you discover it later. A 2D gateway may not suit you if you sell only into a market with strict authentication mandates for domestic transactions, or if your chargeback exposure is high with no fraud screening in place.

Fraud liability with 2D processing generally sits with the merchant. That's manageable with the right controls — and we help set them up — but it should be a decision made with the facts, not a surprise after integration.

Get Started

Not sure which fits your business?

Tell us what you sell and where. We'll tell you straight whether we're the right gateway for it.

Apply Now