High-Risk Merchant Account Provider for Complex Businesses

High-Risk Merchant Account Provider for Complex Businesses

High-Risk Merchant Account Provider for Complex Businesses

Been turned down for payment processing? We specialize in approvals where others see red flags. SensaPay gets complex businesses approved fast with in-house underwriting built around your needs, not against them. Real solutions that keep your payments flowing.

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99.9%

Uptime Guarantee

500ms

Average Processing Time

98%

Fraud Detection Rate

24/7

Customer Support

Prevent Disputes and Protect Revenue

Maximize wins and minimize losses from disputed payments.

Real-Time Fraud Alerts

When you receive a chargeback, you are notified immediately via email/SMS.

Real-Time Fraud Alerts

When you receive a chargeback, you are notified immediately via email/SMS.

Real-Time Fraud Alerts

When you receive a chargeback, you are notified immediately via email/SMS.

Evidence Submission

Automatically generate and send documentation, saving time and reducing errors.

Evidence Submission

Automatically generate and send documentation, saving time and reducing errors.

Evidence Submission

Automatically generate and send documentation, saving time and reducing errors.

Customizable Rules 

Tailor alerts, thresholds, and workflows to your business needs.

Customizable Rules 

Tailor alerts, thresholds, and workflows to your business needs.

Customizable Rules 

Tailor alerts, thresholds, and workflows to your business needs.

Actionable Insights

Analyze patterns, track recovery, and optimize your payment strategy.

Actionable Insights

Analyze patterns, track recovery, and optimize your payment strategy.

Actionable Insights

Analyze patterns, track recovery, and optimize your payment strategy.

Merchant Account Payment Gateway

Merchant Account Payment Gateway

Merchant Account Payment Gateway

Payments are processed through dedicated merchant accounts, with underwriting applied during onboarding.

This processing model provides:

Direct merchant account ownership

Direct merchant account ownership

Transparent settlement and payout structures

Control over transaction routing

Sensapay's gateway eliminates these problems with reliable infrastructure, instant processing, and comprehensive security.

Faster Payments, Fewer Failures, Smarter Processing 

Faster Payments, Fewer Failures, Smarter Processing 

Faster Payments, Fewer Failures, Smarter Processing 

Sensapay's payment gateway addresses payment processing challenges through purpose-built technology designed for modern businesses.

99.9% Uptime & Sub-Second Processing

Redundant servers with automatic failover ensure continuous availability. Optimized infrastructure processes transactions in milliseconds, reducing cart abandonment.

99.9% Uptime & Sub-Second Processing

Redundant servers with automatic failover ensure continuous availability. Optimized infrastructure processes transactions in milliseconds, reducing cart abandonment.

99.9% Uptime & Sub-Second Processing

Redundant servers with automatic failover ensure continuous availability. Optimized infrastructure processes transactions in milliseconds, reducing cart abandonment.

Complete Payment Method Support

Accept credit cards, debit cards, Apple Pay, Google Pay, and ACH transfers through one integration. Customers pay their preferred way without additional development work.

Complete Payment Method Support

Accept credit cards, debit cards, Apple Pay, Google Pay, and ACH transfers through one integration. Customers pay their preferred way without additional development work.

Complete Payment Method Support

Accept credit cards, debit cards, Apple Pay, Google Pay, and ACH transfers through one integration. Customers pay their preferred way without additional development work.

Simple Integration & Enterprise Security

Pre-built plugins for major platforms and flexible APIs for custom setups. Advanced encryption and fraud detection operate invisibly without affecting transaction speed.

Simple Integration & Enterprise Security

Pre-built plugins for major platforms and flexible APIs for custom setups. Advanced encryption and fraud detection operate invisibly without affecting transaction speed.

Simple Integration & Enterprise Security

Pre-built plugins for major platforms and flexible APIs for custom setups. Advanced encryption and fraud detection operate invisibly without affecting transaction speed.

Essential Gateway Capabilities

Essential Gateway Capabilities

Essential Gateway Capabilities

Everything your business needs to process payments quickly, securely, and efficiently.

Unified Transaction Processing

Handle online, in-app, and in-person transactions through one unified interface.

Unified Transaction Processing

Handle online, in-app, and in-person transactions through one unified interface.

Comprehensive Analytics

Detailed reporting with transaction logs and performance metrics.

Comprehensive Analytics

Detailed reporting with transaction logs and performance metrics.

Easy Platform Integration

Connect instantly with Shopify, WooCommerce, and 20+ other platforms through pre-built plugins.

Easy Platform Integration

Connect instantly with Shopify, WooCommerce, and 20+ other platforms through pre-built plugins.

Smart Transaction Routing

Automatically optimize transaction routing for higher approval rates and lower costs.

Smart Transaction Routing

Automatically optimize transaction routing for higher approval rates and lower costs.

Complete Payment Method Support

Accept credit cards, debit cards, ACH bank transfers, and digital wallets without separate integrations.

Complete Payment Method Support

Accept credit cards, debit cards, ACH bank transfers, and digital wallets without separate integrations.

Customizable Checkout Experience

Branded payment pages and forms that match your website design while maintaining security compliance.

Customizable Checkout Experience

Branded payment pages and forms that match your website design while maintaining security compliance.

Unified Transaction Processing

Handle online, in-app, and in-person transactions through one unified interface.

Smart Transaction Routing

Automatically optimize transaction routing for higher approval rates and lower costs.

Comprehensive Analytics

Detailed reporting with transaction logs and performance metrics.

Complete Payment Method Support

Accept credit cards, debit cards, ACH bank transfers, and digital wallets without separate integrations.

Easy Platform Integration

Connect instantly with Shopify, WooCommerce, and 20+ other platforms through pre-built plugins.

Customizable Checkout Experience

Branded payment pages and forms that match your website design while maintaining security compliance.

Unified Transaction Processing

Handle online, in-app, and in-person transactions through one unified interface.

Smart Transaction Routing

Automatically optimize transaction routing for higher approval rates and lower costs.

Comprehensive Analytics

Detailed reporting with transaction logs and performance metrics.

Complete Payment Method Support

Accept credit cards, debit cards, ACH bank transfers, and digital wallets without separate integrations.

Easy Platform Integration

Connect instantly with Shopify, WooCommerce, and 20+ other platforms through pre-built plugins.

Customizable Checkout Experience

Branded payment pages and forms that match your website design while maintaining security compliance.

Boost Transaction Success Rates

Boost Transaction Success Rates

Boost Transaction Success Rates

Improve approval rates and minimize payment friction with tools that streamline transaction processing.

Smart Retries

Recover more revenue by trying failed payments again when they're most likely to succeed.

Smart Retries

Recover more revenue by trying failed payments again when they're most likely to succeed.

Smart Retries

Recover more revenue by trying failed payments again when they're most likely to succeed.

Smart Retries

Recover more revenue by trying failed payments again when they're most likely to succeed.

Interchange Optimization

Automatically qualify transactions for lower processing rates based on the specific card type.

Interchange Optimization

Automatically qualify transactions for lower processing rates based on the specific card type.

Interchange Optimization

Automatically qualify transactions for lower processing rates based on the specific card type.

Interchange Optimization

Automatically qualify transactions for lower processing rates based on the specific card type.

Account Updater

Keep subscriptions active by automatically refreshing stored card details when customers get new cards.

Account Updater

Keep subscriptions active by automatically refreshing stored card details when customers get new cards.

Account Updater

Keep subscriptions active by automatically refreshing stored card details when customers get new cards.

Account Updater

Keep subscriptions active by automatically refreshing stored card details when customers get new cards.

Reliable Payment Gateway Provider

Reliable Payment Gateway Provider

Reliable Payment Gateway Provider

Your customers trust you with their payment information, so SensaPay makes sure that trust is well-placed. Our solutions meet the security standards in the industry and protect every transaction with high-level encryption and tokenization.


Our system checks each payment in real time, spotting potential fraud while letting legitimate customers through without friction. Control your risk settings to block suspicious transactions while keeping checkout smooth for your regular customers. 


Choose your reliable partner and secure your payments.

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Added Value Features

Added Value Features

Added Value Features

Beyond basic payment processing, SensaPay provides additional features to grow your business

Advanced Analytics

Gain insights into your payment data with detailed reporting and customizable dashboards.

Advanced Analytics

Gain insights into your payment data with detailed reporting and customizable dashboards.

Advanced Analytics

Gain insights into your payment data with detailed reporting and customizable dashboards.

Smart Retry Logic

Automatically retry failed transactions with intelligent timing to maximize success rates.

Smart Retry Logic

Automatically retry failed transactions with intelligent timing to maximize success rates.

Smart Retry Logic

Automatically retry failed transactions with intelligent timing to maximize success rates.

Fraud Prevention

Advanced machine learning algorithms detect and prevent fraudulent transactions in real-time.

Fraud Prevention

Advanced machine learning algorithms detect and prevent fraudulent transactions in real-time.

Fraud Prevention

Advanced machine learning algorithms detect and prevent fraudulent transactions in real-time.

Global Payments

Accept payments in 135+ currencies with localized payment methods for international customers.

Global Payments

Accept payments in 135+ currencies with localized payment methods for international customers.

Global Payments

Accept payments in 135+ currencies with localized payment methods for international customers.

Why Choose Sensapay Virtual Terminal?

Why Choose Sensapay Virtual Terminal?

Get started with SensaPay in just a few simple steps

1

1

1

Sign Up

Create your account and complete the verification process

2

2

2

Integrate

Use our APIs, SDKs, or pre-built plugins for your platform

3

3

3

Test

Use our sandbox environment to test your integration

4

4

4

Go Live

Activate your account and start processing payments

Up to 40%

Fewer Chargebacks

Stop disputes before they start with proactive fraud detection.

3x Faster

Resolution Times

90%

Automated Responses

Skip the manual work with our intelligent response system.

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do I need a merchant account to use the Virtual Terminal?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Streamline Payments and Reduce Risk Today 

Stop losing sales to payment processing problems. SensaPay's gateway gives you the reliability and speed your business needs to grow.

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