Accept Payments Worldwide — Even If Your Bank Said No.

What Our Payment Gateway Includes?

DozyPay’s gateway is engineered for businesses that standard processors can’t or won’t serve. Every feature is designed to protect your volume, reduce fraud, and keep you processing without interruption.

• Level 1 PCI Compliance:

Military-grade encryption protects every transaction. DozyPay is Level 1 PCI DSS certified — the highest standard in the industry — ensuring your business and your customers’ information is always secure.

• High Volume Processing:

Purpose-built for merchants processing 10,000+ transactions per day. Our A-level technology infrastructure provides maximum transaction throughput with sub-second authorisation — no bottlenecks, no downtime.

• High Risk Payment Gateway:

DozyPay is the first choice for high-risk merchants who have been declined elsewhere. Fraud protection, volume balancing, and advanced risk tools protect your merchant account and minimise processing risks across even the most complex business categories.

• Cloud Reporting:

Real-time, customisable dashboards give you an instant view of all transactions. Export detailed management reports in PDF, CSV, or Excel — by date, product, currency, or acquirer.

• Multiple Merchant Accounts on a Single Gateway:

Manage all your accounts from one Central Dashboard (CDC) powered by DozyPay Merchant Account Services. Switch between accounts, view consolidated reporting, and control access — all in one place.

• International Payment Gateway:

Process payments in 20+ currencies with local acquiring where available. Serving both US and international merchants, DozyPay makes cross-border commerce seamless.

• Volume Balancing:

Automatically route incoming transactions to different processors or acquirers based on product type, volume thresholds, and custom criteria — ensuring optimal approval rates and minimal disruption.

• Recurring Payments:

DozyPay’s flexible subscription billing engine makes it easy for customers to pay you on a regular schedule — daily, weekly, monthly, or custom intervals. Retry logic and dunning management included.

• Fraud Protection Tools:

Our advanced fraud scoring engine analyses each transaction in real time, instantly flagging and declining suspicious orders while approving legitimate ones. Customise rules to match your business’s risk profile.

• CRM & Shopping Cart Integrations:

DozyPay integrates seamlessly with WooCommerce, Magento, Shopify, OpenCart, PrestaShop, Salesforce, QuickBooks, and all major e-commerce platforms. API, hosted payment page, and plugin options available.

• Secure Tiered Access:

Control exactly what each team member can see and do. Assign role-based permissions to keep sensitive financial data in the right hands — and out of the wrong ones.

How It Works? — 5 Simple Steps

We’ve made the onboarding process as transparent and fast as possible. Most merchants are live within 48 hours of approval.

1. Apply: Complete our 5-minute pre-check form. No credit pull, no commitment.
2. Review: Our specialist team assesses your business model, volume, and processing history within 24 hours.
3. Approve: Receive your full merchant account decision — including pricing and reserve terms — within 48 hours.
4. Integrate: Connect via REST API, hosted payment page, or a one-click shopping cart plugin. Our technical team assists at every step.
5. Go Live: Start accepting payments globally. Your dedicated account manager monitors performance from day one.

DozyPay vs Standard Processors

Mainstream processors like Stripe and PayPal are built for low-risk businesses. DozyPay is built for yours.

What Our Merchants Say?

Frequently Asked Questions

What makes DozyPay different from Stripe or PayPal?

Stripe and PayPal are designed for low-risk merchants. They routinely terminate accounts in high-risk categories without warning. DozyPay specialises exclusively in high-risk processing — our banking relationships, fraud tools, and support team are built for businesses like yours.

Which industries do you support?

We support a wide range of high-risk categories including adult entertainment, pharma and supplements, forex trading, online gaming and gambling, CBD/hemp, IPTV, travel, cryptocurrency, tech support, and many more. Contact us if your industry isn’t listed — we likely have a solution.

How long does the approval process take?

Pre-screening takes less than 24 hours. Full approval, including pricing terms and reserve requirements, is provided within 48 hours of submitting your complete application.

What currencies do you support?

We support 20+ currencies including USD, EUR, GBP, CAD, AUD, JPY, HKD, SGD, and more. Local acquiring is available in select markets for higher approval rates.

What are your processing fees?

Rates start from 2.9% for qualified merchants, with volume discounts available for merchants exceeding $100K per month. There are no hidden setup fees or annual charges. Contact us for a custom quote based on your business type and volume.

Do you support recurring billing?

Yes. Our recurring billing engine supports flexible subscription intervals, automated retry logic for failed payments, and dunning management to recover declined transactions — helping you reduce involuntary churn.

What is a rolling reserve?

A rolling reserve is a percentage of your daily transactions held by the processor as a security buffer against chargebacks. At DozyPay, reserve requirements are discussed transparently upfront and can be reduced or waived as your account history improves.

Ready to Start Processing?

Join 500+ high-risk merchants who process with confidence through DozyPay. Get your free pre-approval today — no obligation, no credit pull, no long waiting times.