Card processing, hosted checkout, recurring billing, and merchant payouts on rails trusted by thousands of businesses. Boarding in under an hour, no contract, transparent per-transaction pricing. Test
One platform for card processing, invoicing, subscriptions, and developer integrations — without stitching three vendors together.
Take Visa, Mastercard, Amex, and Discover with PCI-DSS-compliant card fields and 3DS support out of the box.
Send branded invoices and reusable payment links by email, SMS, or QR — no developer needed.
Subscriptions and installment plans with retries, dunning, and proration handled automatically.
Real-time fraud scoring, chargeback alerts, and a dispute workflow with evidence templates.
Clean REST endpoints, publishable + secret keys, signed webhooks, and an OpenAPI 3 spec for code generation.
24/7 phone, email, and ticketed support from people who know your account — not an offshore call tree.
High-risk verticals, B2B, e-commerce, retail — one platform, no upfront fees, and an underwriter who actually returns your calls.
Open my accountNo setup or monthly fees — pay only per transaction.
Approve or decline applications within one business day.
Underwriting that understands high-risk and B2B verticals.
Hosted checkout, payment links, and recurring billing included.
Real-time fraud screening and chargeback alerts.
Developer-friendly REST API with publishable + secret keys.
One-click connectors for your storefront, accounting, and ops stack — plus a REST API and webhooks when you need to go custom.
Need something else? Build on our REST API & webhooks or talk to an integration specialist.
Interchange-plus on every account — the same rate whether you do $5k or $5M a month. No setup fees, no monthly minimums, no long-term contract.
Pass-through interchange at cost. One published markup, itemized on every statement.
Drag to match your business. We'll estimate your effective monthly cost and what you'd likely save versus a flat-rate processor.
Estimate only, using an assumed blended interchange of 1.80%. Your actual interchange varies by card type and industry — your specialist confirms exact pricing before you sign.
From boutique retail to high-growth SaaS — merchants who've made the switch.
“We were boarded inside 24 hours after two other processors dragged us along for weeks. Cobalt actually understood our model.”
“The hosted invoice + payment-link flow replaced three tools. Our DSO is down 22% in a quarter.”
“Clean API, real webhooks, and a dashboard our finance team can actually read. Switching from Stripe was the easy decision.”
The things merchants ask before they switch. Still unsure? Talk to our team — real people, no call tree.
Open an account in minutes. Free to register, no contract, no monthly minimums. Talk to our team if you want a hand walking through onboarding.