Pay Fast, Stay Secure
Payments that clear in the time it takes to scan.
AUTHYPAY gives small businesses instant settlement, minutes-long onboarding and AI fraud defence on every transaction — for a third of what legacy processors charge.
- 1.2s
- median settlement
- 0.9% + 5¢
- per transaction
- 99.99%
- authorisation uptime
$24.00
Bloom & Bean Coffee
Scan complete
Merchant verified
Approved in 1.2s
Risk score 3 / 100
Every friction point in today's processors, removed.
Payouts land in 2–3 business days
Instant T+0 settlement to the merchant balance
Onboarding takes days of paperwork
AI + Trulioo KYC clears most merchants in under 3 minutes
Rules-based fraud checks miss novel attacks
Sift-backed behavioural scoring on every single transaction
2.9% + 30¢ and confusing surcharges
0.9% + 5¢ flat, with no monthly platform fee
A payment stack with intelligence built into the rails.
QR & barcode checkout
One scan opens a signed payment intent. No app switching, no card entry, no terminal hardware.
Biometric authentication
Passkeys, Face ID and device attestation replace passwords and one-time codes entirely.
AI support & onboarding
A GPT-powered copilot answers merchants, chases missing KYC documents and drafts dispute responses.
Real-time risk engine
Every transaction is scored before authorisation; high-risk intents step up rather than silently fail.
Processor-agnostic rails
Stripe and PayPal run side by side; AUTHYPAY routes to whichever rail is fastest and cheapest.
MCP-native integrations
Model Context Protocol servers connect the risk engine, CRM and support agent to your own systems.
Connected to what you already trust.
Processors, identity, fraud and support all speak to AUTHYPAY over real-time APIs and Model Context Protocol servers — so the risk engine and the AI copilot see the same data your team does.
Explore the operations viewTrusted by the businesses that switched.
Seamless Transactions in Seconds · Your Security, Our Priority
“Settlement used to be the thing we planned our week around. With AUTHYPAY the money is simply there before the customer reaches the door.”
Maya Okafor
Owner, Bloom & Bean Coffee
“Onboarding took four minutes. Our previous processor took eleven days and two phone calls. Effortless payments, instant results indeed.”
Daniel Reyes
Founder, Reyes Cycle Works
“The AI risk engine caught a card-testing attack on its second attempt and stepped up verification automatically. Our security, their priority.”
Priya Natarajan
COO, Greenline Groceries
Take your first AUTHYPAY payment today.
Pilot accounts start with a $50 per-transaction cap and lift automatically as your verified history builds.