The Smarter Payment
Gateway for Every Business
Accept Visa, Mastercard, American Express, Discover, ACH, and wire transfers through a single, intelligent payment platform. High-risk merchants welcome. US & international acquiring banks. Instant approvals.
PCI DSS Compliant
99.99% Uptime SLA
150+ Currencies
High-Risk Approved
Get Your Merchant Account
Free application · Response within 24 hours
By submitting, you agree to our Terms of Service. No credit check required for initial review.
Accepted Payment Networks & Methods
MASTERCARD
AMERICAN EXPRESS
DISCOVER
ACH / eCheck
Wire Transfer
SEPA / EU
Enterprise-Grade Payment
Processing Infrastructure
eData’s payment gateway delivers the same routing intelligence, fraud tools, and global acquiring network used by the world’s top payment platforms — built for businesses that mainstream processors won’t touch.
Global Payment Routing
Intelligent transaction routing across 40+ acquiring banks in the US, EU, UK, Panama, Asia, and offshore. Maximize approval rates with smart failover logic.
Multi-Bank Routing
Advanced Fraud Prevention
Real-time fraud scoring, 3D Secure 2.0, velocity checks, and chargeback mitigation tools. Protect your revenue and maintain low dispute ratios.
PCI DSS Level 1
Fast Settlement & Funding
Same-day or next-day funding options. Virtual terminals, batch processing, and automated reconciliation built into your dashboard.
Daily Settlement
API & Gateway Integration
REST API, hosted payment pages, and pre-built integrations for Shopify, WooCommerce, Magento, and custom platforms. Developer-friendly documentation.
REST API / SDK
Omnichannel Payments
Accept payments online, in-store, over the phone (MOTO), and via mobile. One unified platform with a single merchant dashboard for all channels.
Online · POS · MOTO
Recurring Billing & Subscriptions
Automated subscription management, free trial flows, continuity billing, and membership platforms. Compliant tokenization and card vault storage.
Subscription Ready
High-Risk Merchant Accounts
Dedicated high-risk acquiring relationships for industries declined by traditional banks. CBD, nutra, adult, gaming, forex, MLM, and more — all approved.
High-Risk Specialist
Multi-Currency Processing
Accept payments in 150+ currencies with dynamic currency conversion (DCC). Transparent FX rates, local acquiring, and cross-border optimization.
150+ Currencies
Real-Time Analytics Dashboard
Live transaction monitoring, chargeback alerts, decline reason analysis, and revenue reporting. Data-driven insights to optimize your payment funnel.
Live Reporting
One Platform.
Every Processor.
Unlimited Scale.
eData’s payment orchestration layer sits above your processors and intelligently routes each transaction to maximize approval rates, minimize fees, and ensure redundancy. No single point of failure — ever.
Intelligent Transaction Routing
Route each transaction to the optimal processor based on card type, BIN, geography, and real-time success rates.
Automatic Failover & Retry Logic
When one processor declines, instantly retry across backup banks. Recover revenue that would otherwise be lost.
Multi-Processor Load Balancing
Split volume across multiple acquiring banks to reduce concentration risk and meet processor volume limits.
Unified Token Vault
Store cards once, charge across any processor. Network tokenization for Visa and Mastercard reduces interchange and improves auth rates.
Orchestration
Engine
High-Risk & Standard
Merchant Accounts
Where Stripe, Square, and PayPal say no — eData says yes. We specialize in providing compliant payment processing for industries that traditional processors refuse.
CBD & Nutraceuticals
Compliant merchant accounts for CBD, hemp, nutra, supplements, and continuity programs.
High Risk Approved
Health & Beauty
Free-trial, skincare, weight loss, online pharmacies, and health club memberships.
High Risk Approved
Gaming & Gambling
Licensed online casinos, sports betting, poker, skill games, and fantasy sports platforms.
High Risk Approved
Adult & Entertainment
Adult content, dating sites, membership platforms, and entertainment with age verification.
High Risk Approved
Forex & Trading
FX brokers, crypto exchanges, trading platforms, and financial technology companies.
High Risk Approved
MLM & Direct Sales
Multi-level marketing, affiliate networks, and performance marketing companies.
High Risk Approved
Legal & Law Firms
Attorney payment plans, personal injury, legal document services, and law firm billing.
Standard
E-Commerce & Retail
Shopify, WooCommerce, Amazon, eBay, and Google Shopping integrations. Fast setup.
Standard
Restaurants & Food
POS systems, takeout ordering, delivery platforms, and restaurant merchant accounts.
Standard
Travel & Hospitality
Travel agencies, vacation packages, booking platforms, and accommodation providers.
High Risk Approved
Tech & Software
SaaS platforms, tech support, software downloads, and app subscriptions.
Standard
Call Centers & MOTO
Phone-order sales, outbound call centers, and mail-order telephone-order merchants.
High Risk Approved
Why Merchants Choose
eData Over Stripe & NMI
Traditional payment gateways and processors leave high-risk merchants stranded. eData was built to serve businesses that need more than a generic payment button.
| Feature | eData Gateways | Stripe | NMI | PayPal |
|---|---|---|---|---|
| High-Risk Merchant Accounts | ✓ Specialist | ✗ No | Partial | ✗ No |
| International Acquiring Banks | ✓ 40+ Banks | Limited | Limited | ✗ |
| Payment Orchestration | ✓ Full Platform | ✗ | Basic | ✗ |
| Adult / CBD / Gaming Accounts | ✓ All Legal Types | ✗ Prohibited | ✗ Prohibited | ✗ Prohibited |
| Multi-Bank Failover Routing | ✓ Automatic | ✗ | Manual | ✗ |
| Same-Day / Next-Day Funding | ✓ Available | Paid Feature | Via Reseller | Paid Feature |
| Dedicated Account Manager | ✓ Included | ✗ | Enterprise Only | ✗ |
| ACH + Card + Wire in One Platform | ✓ Unified | Separate Products | Add-On | Separate Products |
| Starting Rate | From 0%* + flat fee | 2.9% + 30¢ | Custom Quote | 2.99% + fixed |
*0% rate available on qualifying flat-fee plans. Standard processing rates apply to card-present and card-not-present transactions. See full pricing for details.
Simple, Honest
Payment Processing Rates
No hidden fees. No long-term lock-in contracts. Rates tailored to your business type and volume.
For standard-risk e-commerce businesses and retail merchants with straightforward processing needs.
- Visa, Mastercard, Amex, Discover
- Hosted payment pages
- Virtual terminal included
- Basic fraud tools
- Email support
- Same-day funding (optional)
- Shopify / WooCommerce ready
Built for high-risk industries that need multiple acquiring banks, advanced fraud protection, and dedicated support.
- All payment networks supported
- Multi-bank failover routing
- Advanced chargeback prevention
- 3D Secure 2.0 included
- Dedicated account manager
- ACH + card in one platform
- Priority 24/7 support
- High-risk industry approval
Full payment orchestration platform for high-volume merchants needing multi-processor routing, load balancing, and custom integrations.
- Full orchestration engine
- Custom bank routing rules
- Volume-based rate negotiation
- White-label gateway option
- Dedicated API environment
- SLA-backed uptime guarantee
- Compliance & legal support
- Business funding programs
Access Working Capital
Fast & Easy
Beyond payment processing — eData connects your business with the capital it needs to grow. Merchant cash advances, business lines of credit, and equipment financing.
Merchant Cash Advances
Advance against your future card sales. Fast approvals, flexible repayments tied to your daily revenue. Up to $500,000+.
Business Lines of Credit
Revolving credit lines up to $250,000. Approvals as fast as 5 minutes. Rates from 4.8%. Draw funds as needed.
Equipment & Commercial Financing
Preserve your credit lines. Finance equipment from $10K to $5M. Commercial real estate, invoice factoring, and more.
Credit decisions in as fast as 24 hours · Multiple lenders · No obligation quote
Ready to Accept
Every Payment Everywhere?
Talk to a payment specialist now. Free consultation, no commitment. We’ll find the right gateway and merchant account for your business — regardless of your industry or risk profile.
+1 (888) 395-9554
info@eDataCards.com
20423 State Road 7, Suite F6-524 · Boca Raton, Florida 33498 · Licensed & Insured