From application to first transaction in as little as 48 hours. Here's how we make high-risk payment processing simple.
We've streamlined the onboarding process so you can focus on your business, not paperwork.
Complete our streamlined application in under 15 minutes. We ask for the basics: business info, processing history, and expected volume.
Our team matches you with the right sponsor bank and processor combination for your business type and risk profile.
Our VAMP engine monitors every transaction for chargeback risk. Get early warnings before disputes hit your account.
Continuous insights to improve approval rates, reduce declines, and scale your processing volume confidently.
Our REST API is designed for developers. Clean endpoints, comprehensive docs, and helpful error messages.
// Process a payment with GrayPay API const response = await fetch('https://api.graypay.co/v1/charges', { method: 'POST', headers: { 'Authorization': `Bearer ${apiKey}`, 'Content-Type': 'application/json' }, body: JSON.stringify({ amount: 9999, // $99.99 in cents currency: 'usd', source: 'tok_visa', description: 'Order #12345' }) }); const charge = await response.json(); console.log(charge.id); // ch_1234567890
298+ endpoints fully documented with examples and response schemas.
Real-time notifications for charges, refunds, disputes, and more.
Full test environment with simulated responses for every scenario.
GrayPay isn't just a payment processor — it's an ongoing partnership to help you succeed.
Real-time dashboard
VAMP risk scoring
Decline intelligence
Optimize approval rates
Apply now and start processing in as little as 48 hours.
Apply Now View Pricing