Get paid · Inicio Payments
One gateway. Your choice of processor.
Take card and bank payments online, by invoice, by text and in person through one secure gateway. Keep the merchant account you have, or let us match you with a card processor, and add a backup so one processor can't stop your sales.
Who it's for
Built for stores that can't afford a stalled checkout
Online stores
WooCommerce and custom checkouts that need card payments on the page, with Apple Pay and Google Pay on supported processors.
Subscription businesses
Recurring billing, saved cards and automatic card updates, so renewals don't fail when a customer's card is replaced.
Growing and specialised merchants
Stores that need a second merchant account, have had an account paused, or need a processor that understands their category. See card processing.
Why Inicio
What a single-processor setup can't give you
Not tied to one processor
Our gateway connects to more than 150 processors and banks. Switch or add one without rebuilding your checkout.
Backup merchant accounts
Run a second account alongside your main one, so a review or pause at one processor doesn't stop sales.
Fraud and chargeback protection
3-D Secure, fraud rules and advanced screening, set up to keep you under Visa's fraud and dispute limits.
Saved cards you keep
Customer cards sit in the gateway's secure vault, not with one processor, so subscriptions survive a processor change.
One clear price
A published gateway price and published add-ons. Card processing is quoted by your processor, separately.
Set up by people who build checkouts
We configure the gateway, fraud rules and your checkout for you. See our checkout optimization work.
How it works
From application to first payment in five steps
- Step 1
Apply
Tell us about your business in five minutes.
- Step 2
Get matched
We pair you with a processor likely to approve you.
- Step 3
Go live
We connect the gateway and test your checkout.
- Step 4
Take payments
Online, by invoice, by text or in person.
- Step 5
Grow
Add a backup account, fraud tools or new channels.
The Inicio gateway
Every payment, processor and refund in one place
One login for transactions, refunds, reports and fraud rules, whichever processor sits behind it.
- 150+ processor and bank connections
- More than one merchant account per store
- 3-D Secure and fraud rules
- Checkout on your own page, plus Apple Pay and Google Pay
- A card vault you keep
- Invoices, Text to Pay and in-person payments
Keep going
Related pages
How it works
Five steps from application to your first payment.
Read more →PricingGateway pricing
$40 a month plus $0.10 per transaction, with published add-ons.
Read more →Merchant accountsCard processing
We match you with a processor that approves your category, with a backup account ready.
Read more →CheckoutCheckout optimisation
Fewer abandoned carts: faster checkout, wallets and fewer declined payments.
Read more →Next step
Find out which processor will approve you
Five-minute pre-qualification, no documents at this stage. We reply by email with the right processor and next steps.