We sell payments to your customers,
so you don’t have to.
ChargeLoop is the PayFac-as-a-Service for ISVs. We build the integration into your software, auto-underwrite the merchants you send, and put a real sales team between you and every payments conversation — rev share or buy rate, your call.
const merchant = await chargeloop.merchants.create({
platform_id: "isv_8f3...",
merchant: {
legal_name: "Acme Salon LLC",
vertical: "salon_spa",
},
risk_profile: "specialty",
});
// merchant.status === "underwriting"Easy to embed. Hard to beat.
Most PayFac-as-a-Service offerings hand you an API and a list of docs. We give you the API, the integration built for you, the underwriting flexibility, and the salespeople — so payments revenue actually shows up on your P&L.
A sales floor,
included.
Every PayFac offers an API. None of them offer the people who actually close payments business. Send us a merchant through the API — we auto-underwrite, our team sells them on rates and fees, and they’re processing in days.
- Step 1
You fire information through the API.
Send a merchant via our embedded onboarding endpoint — directly from your platform, automated, no spreadsheet hand-offs.
- Step 2
We auto-underwrite.
Specialty risk profiles included. Most of your customers clear automatically — no calls, no questionnaires from us to them.
- Step 3
We sell them on payments.
Our payments-trained team handles the rates, fees, and timing conversation. We answer questions. We close.
- Step 4
They're approved and processing.
Average 3 days from application to approved and onboarded. Same-day processing the moment underwriting clears.
- Step 5
You earn rev share or a buy rate.
Pick the economics that fit your model — recurring rev share or a buy rate schedule. Either way, for the life of the account.
One API. Onboarding through payout.
Your application calls one endpoint. ChargeLoop handles every step from merchant application to dispute response — behind a single auth, on the Edge.
Replace four to six vendor relationships with one integration. Explore the platform →
curl -X POST https://api.chargeloop.com/v1/merchants \
-H "Authorization: Bearer $CHARGELOOP_KEY" \
-H "Content-Type: application/json" \
-d '{
"platform_id": "isv_8f3...",
"merchant": { "legal_name": "Acme Salon LLC" },
"risk_profile": "specialty"
}'We’ll build the integration
into your software.
Most PayFacs hand you docs and wish you luck. We send engineers into your stack to wire up automated merchant onboarding — so your customers go from sign-up in your app to processing with ChargeLoop without anyone on your team writing code.
- Built into your existing software.
Our engineers add the ChargeLoop calls directly into your codebase. Not a side widget, not an iframe — native to your application.
- Onboarding automated end-to-end.
When a customer signs up in your product, the merchant onboarding fires automatically. No manual intake forms, no spreadsheet hand-offs.
- No backlog tax on your team.
Your engineering roadmap doesn't move. We deliver the integration on our calendar — not yours.
// added by ChargeLoop integration team
import { chargeloop } from "@your-isv/payments";
export async function onCustomerSignup(customer: Customer) {
// your existing customer-creation logic stays untouched
await db.customers.create(customer);
// we wire this in for you — fires onboarding automatically
await chargeloop.merchants.create({
platform_id: process.env.CHARGELOOP_PLATFORM_ID,
merchant: {
legal_name: customer.business_name,
vertical: customer.vertical,
},
risk_profile: "specialty",
});
// ChargeLoop's team takes it from here.
}Built for the merchants others reject.
Traditional PayFacs decline by category. We underwrite by case. Here’s where we say yes — and where most platforms you’ve evaluated say no.
Chiropractic, dermatology, weight management, behavioral.
Retail, ranges, accessories, gunsmiths.
Direct-to-consumer, recurring, free-trial models.
Memberships, SaaS, content, services.
Construction, solar, capital equipment.
Compliance-aware, hemp-derived, dispensary ops.
Estimating, progress billing, deposits.
Future-delivery, deposits, recurring loyalty.
Tell us about it. We probably underwrite it.
ChargeLoop vs. the alternatives.
The trade-off curve when an ISV decides to monetize payments. Three paths, three economics, three operational realities.
| Feature | ChargeLoop | DIY PayFac | Traditional Referral |
|---|---|---|---|
| Revenue model | Rev share or buy rate | Direct margin | One-time referral fee |
| Underwriting flexibility | Case-by-case incl. specialty | Self-managed | Category-restricted |
| Sales effort from your team | None — we close | All of it | Most of it |
| App-to-onboarded time | 3 days avg | Weeks | Weeks |
| Integration build | We build it for you | On you | Vendor-dependent |
| White-labeling |
No surprises. No setup tax.
We make money when your merchants process. Until then, every cost that would normally fall on an ISV launching payments — build, compliance, sales, support — we cover.
Rev share or buy rate
Pick the economics that fit your model. Both for the life of every account.
No setup fees
No onboarding fees, no platform fees, no minimums to start sending merchants.
Integration included
Our engineers wire the API into your codebase. The build cost is on us, not you.
PCI scope on us
We own the PCI scope and the audit burden. Your platform never touches card data.
We underwrite case-by-case rather than by category, so most of your customers clear automatically — including specialty verticals that traditional PayFacs auto-decline. When we do decline (rare), we send a `merchant.declined` webhook with the reason so you can keep your customer informed.
You do. Your software is still the place your customer logs in, runs their business, and gets billed. ChargeLoop sits behind the scenes as the payments infrastructure. We only talk to your customer when the rates and fees conversation needs us — and even then, we represent the integrated platform, not a separate vendor.
Zero. No setup fees, no platform fees, no minimums. We make money when your merchants process. Until then, the integration build, the underwriting team, the sales floor, and the PCI scope are all on us.
Yes. Our integration team writes the ChargeLoop API calls directly into your software — typically a few dozen lines wired into your customer-signup or billing flow. Your engineering team reviews and merges; we do the work.
Rev share gives you a recurring percentage of processing revenue for the life of every account. Buy rate gives you a fixed margin on a published rate schedule you set with your customers. Either model works for the life of the account. We help you model both against your customer base before you commit.
3 days average from application to onboarded merchant. Auto-underwriting clears most files within hours; specialty cases may take a day or two of human review. Webhooks fire on every state change so your software can show real-time status.
TSYS, First Data, Fiserv, NMI, and Authorize.net — the major rails. We route to the right one based on the merchant profile so you get proven infrastructure with redundancy.
No. ChargeLoop owns the PCI scope. Your platform never touches card data — payment surfaces are tokenized and handled inside ChargeLoop. We file the SAQ, absorb the audit burden, and pass attestations along when your enterprise customers ask.
Specialty health (chiropractic, dermatology, weight management, behavioral), firearms, nutra and supplements, recurring subscriptions, high-ticket B2B, CBD-adjacent, contractor estimating, travel, and most field-service / membership-based verticals. We underwrite by case, not by category.
Payouts settle to each merchant on their schedule. You get a read-only GET /v1/payouts endpoint to filter by merchant or date, plus a `payout.completed` webhook event for real-time rev-share tracking. Our team also reconciles monthly with detailed reporting tied to your customer segments.
Let’s figure out
if it’s a fit.
Tell us about your platform and customer base. We’ll come back with rev-share vs. buy-rate economics, the integration we’d build for you, and indicative timing to first processing merchant.
- 1Real human within one business day.No auto-sequencing, no SDR cadence.
- 230-minute call to scope your customer base.We look at vertical mix, processing volume, and risk profile.
- 3Economics + integration plan within a week.Rev share or buy rate, plus the custom integration we’ll build into your software.