Transparent pricing that scales with volume.
Start with zero setup fees and flat-rate processing. Unlock automated blended volume discounts, interchange-plus economics, and dedicated failover as you scale.
Pay-as-you-go
For early-stage startups and new product launches with zero fixed overhead.
- Global card acceptance (135+ currencies)
- Apple Pay, Google Pay & dynamic Raast QR
- Unified dashboard & daily CSV ledger exports
- Basic ML fraud scoring & 3DS 2.0 authentication
- Developer sandbox with simulated webhooks
Blended Volume
For growing platforms, SaaS scaleups, and marketplaces needing automated splits.
- Everything in Launch, plus:
- Automated multi-party split payouts & seller escrows
- ML smart retry dunning engine (84.6% churn saved)
- Real-time double-entry ledger & ERP sync
- Local clearing rails: SEPA, ACH, Pix, FedNow
- Priority Slack channel & engineering onboarding
Custom Wholesale
For high-volume platforms, global enterprises, and licensed institutions.
- Everything in Scale, plus:
- Multi-acquirer smart routing with 320ms auto-failover
- Guaranteed wholesale zero-spread FX on cross-border
- White-label sub-merchant KYB & hosted onboarding
- Segregated client money trusts & programmatic reserves
- 99.999% uptime guarantee with SLA backing & 24/7 TAM
Estimate your monthly processing savings.
Slide to see predicted processing fees and margin lift based on your scale compared to legacy gateway processors.
Monthly Processing Volume
Calculated using active transaction volume and automated corridor routing
A restrained view of what changes as you grow.
Illustrative commercial pricing for US & Global platforms. Your final commercial schedule reflects payment methods, risk profile, and committed volume.
| Platform Capability | Launch | Scale (Most Popular) | Enterprise |
|---|---|---|---|
| 1. Payment Acceptance & Processing Rails | |||
| Online Domestic Cards | 2.9% + 30¢ | 2.2% + 20¢ Blended | Wholesale IC++ |
| International Cards & Multi-Currency | +1.0% FX mark | +0.4% Wholesale FX | Zero FX Spread Lock |
| Local Clearing (SEPA, ACH, Pix, RTP) | From 1.2% + $0.30 | From 0.6% Flat | Tiered Volume Pricing |
| Digital Wallets (Apple Pay, Google Pay) | Included | Included | Included |
| 2. Marketplace & Multi-Party Money Movement | |||
| Automated Multi-Party Split Payouts | Limited (1-Way) | N-Way Real-Time | Unlimited Topology |
| Programmatic Escrow & Holding Balances | Manual Release | Auto-Release on Delivery | Custom Milestone Triggers |
| Sub-Merchant Onboarding & KYB Screening | Standard Hosted Form | White-Label Embedded | Headless White-Label API |
| Domestic Bank Disbursements | $0.35 per payout | $0.15 per payout | Volume Tiered < $0.08 |
| 3. Risk Intelligence, Routing & Support | |||
| Machine Learning Fraud Engine & Score | Basic Ruleset | Real-Time Scoring (0-100) | Custom Biometric Heuristics |
| Smart Dunning & ML Card Retries | Manual Retries | 84.6% Auto-Recovered | Multi-Rail Dynamic Routing |
| Double-Entry Ledger & ERP Sync | Daily CSV Export | Real-Time Sync | Direct ERP Connect (NetSuite/SAP) |
| Dedicated Support & SLA | Email (24h) | Slack & Priority Help | 24/7 Dedicated TAM (15m SLA) |
Volume economics
Processing rates step down automatically as your monthly transaction count and gross volume scale.
Regional mix
Local domestic acquiring routes provide up to 40% fee savings compared to cross-border card rails.
Risk profile
Chargeback defense tooling, custom rolling reserves, and low dispute scores unlock wholesale tier pricing.
Unified package
Payment gateway, global payouts, FX locks, double-entry ledger, and risk engines are bundled transparently.
Accept every major local payment method.
All Sobopay tiers include turnkey access to 130+ local payment methods and domestic settlement rails without integration surcharges.
Frictionless 1-tap mobile checkouts with biometric Touch ID & Face ID authorization in <400ms.
Direct account-to-account local rails with sub-minute clearing, zero interchange, and no card expiration.
Boost cart conversions and lift average order value by +28% with flexible installment schedules.
Global network tokenization, automated Visa/Mastercard account updater, and multi-acquirer resilience.
Clear answers, before you commit.
Finance and operations teams get predictable commercial terms, technical detail, and direct access to specialists.
What is included in every plan?
Every tier includes core REST APIs, drop-in hosted checkouts, production-like sandbox, standard ledger reporting, security controls, and 99.99% infrastructure availability.
How do card processing fees work?
Launch provides predictable flat-rate pricing. Scale and Enterprise tiers unlock blended interchange-plus structures with wholesale volume tier discounts as transaction counts grow.
How are payout and escrow fees calculated?
Domestic standard payouts begin at illustrative rates ($0.15 - $0.35). High-velocity push-to-card rails (Visa Direct) and international FX settlements reflect local clearing corridor economics.
Can we model our ROI before signing a contract?
Yes. Our commercial engineering team can model your authorization rate lift, vendor consolidation savings, and cross-border FX reductions using your active transaction history.
Find the pricing model that fits your volume.
Share your transaction regions, payment methods, and monthly volume profile. We will return a transparent commercial proposal and implementation timeline.
One payment stack. Every market.
Compose checkout, payouts, settlement, risk, and operations on one programmable ledger—without rebuilding your payments foundation as you grow.
Everything you need to move money with control.
Select the modules you need today. Add new payment methods, regions, and workflows without creating a fragmented operating stack.
Modular Payment Gateway
High-conversion checkout with local acquiring, intelligent routing, and one unified payment intent lifecycle across web and mobile.
Payment Links and QR
Launch secure no-code collection flows for invoices, social commerce, and contactless in-person payment moments in minutes.
Automated Split Payouts
Route funds across sellers, partners, taxes, and platform commission with programmable automated escrow and disbursement rules.
Cross-Border Settlement
Consolidate multi-currency balances, lock wholesale FX rates, and settle directly to local bank rails in 20+ international markets.
Adaptive Fraud & Risk
Apply machine learning rules, biometric signals, 3DS 2.0 exemption logic, and automated chargeback evidence compilers before authorization.
Reconciliation & Observability
Trace every dollar from initial payment intent to immutable ledger entry, payout disbursement, dispute, and final bank settlement.
Turn more intent into approved payments.
A unified gateway combines local payment methods, network tokens, retries, and processor routing behind one resilient API.
- Smart routing by cost, latency, and issuer acceptance
- Adaptive authentication and network token management
- Autonomous failover in 18ms without customer friction
- Drop-in UI components or fully custom headless checkout
Choose the product layer that solves today and keep the same foundation tomorrow.
Sobopay separates payment experiences from orchestration, ledgering, risk, and treasury so every team can evolve independently.
Click any layer below to explore dynamic capabilities, architecture, and live operational previews.
Double-entry accounting with zero financial drift.
Every cent that enters, moves across, or leaves your platform is recorded in an immutable, cryptographically verifiable double-entry ledger. Never spend days investigating unreconciled balances again.
- Immutable double-entry debit/credit ledgering system
- Granular sub-account structures for marketplace vendors
- Cryptographic SHA-256 state auditing and lineage records
- Automated real-time synchronization with NetSuite and Xero
| ACCOUNT | DEBIT | CREDIT | STATUS |
|---|---|---|---|
| acct_customer_funds | $10,000.00 | — | Captured |
| acct_vendor_alpha | — | $7,000.00 | Disbursed |
| acct_platform_fee | — | $2,000.00 | Realized |
| acct_sales_tax_escrow | — | $1,000.00 | Escrowed |
Automated reconciliation built in.
Stop downloading CSVs and building spreadsheets. Our reconciliation engine matches every settlement, fee, and refund directly against your bank statement feed automatically.
- Direct bank statement feeds with real-time discrepancy detection
- Bidirectional sync to NetSuite, Xero, QuickBooks, and SAP
- Custom accounting webhooks triggered on matched balance states
- Cryptographic audit trails for SOC 2 and statutory compliance
Compare core capabilities across our product suite.
Choose modular components or combine the full platform behind one single, high-conversion API contract.
| Core Platform Capabilities | Modular Gateway | Payment Orchestration | Split & Global Payouts |
|---|---|---|---|
| 1. Checkout & Payment Processing | |||
| 40+ Local Payment Methods (Cards, Wallets, Instant Bank) | — | ||
| 1-Click Biometric Checkout (Apple Pay & Google Pay) | — | ||
| Dynamic Multi-Currency Presentment (135+ Currencies) | |||
| Custom Drop-in React SDK & Headless Hosted Fields | |||
| 2. Smart Routing & Failover | |||
| Cost and Latency-Optimized Acquirer Routing | Standard | Advanced ML | — |
| Autonomous Soft-Decline Retries without Cart Drop-off | Single Rail | Multi-Acquirer | — |
| Zero-Downtime Processor Failover (<20ms) | — | Unlimited | — |
| Universal Network Token Vaulting (Apple/Visa/Mastercard) | Universal | — | |
| 3. Risk, Security & Compliance | |||
| Adaptive 3DS 2.0 Engine with Dynamic SCA Exemptions | Custom Rules | ||
| ML Fraud Scoring (0-100) and Device Fingerprinting | Standard | Tailored ML | |
| Automated Chargeback Auto-Defense & Evidence Compiler | Add-on | Included | — |
| PCI-DSS Level 1 & SOC 2 Type II Certified Security Vault | |||
| 4. Ledger, Payouts & Treasury | |||
| Programmable N-Way Split Disbursement & Escrow Rules | — | Add-on | Full Engine |
| Automated Bank Statement Matching & Reconciliation | Daily Batch | Real-Time | Real-Time T+0 |
| Same-Day Local Clearing Rails (ACH, SEPA, Raast, Faster Pay) | — | Add-on | 20+ Markets |
| Multi-Currency Virtual Wallets & Real-Time Wholesale FX | — | Add-on | 0.08% Spread |
Integrate in under 10 minutes.
Clean idiomatic SDKs, end-to-end TypeScript types, and comprehensive webhooks designed for engineers.
// 1. Initialize Sobopay Client SDK
import { loadSobopay } from '@sobopay/js';
const sobopay = await loadSobopay('pk_live_982189410');
const checkout = sobopay.checkout({
clientSecret: 'pi_9921_secret_8819',
appearance: { theme: 'light', accentColor: '#00d68f' },
});
// 2. Mount high-conversion checkout in 1 line
checkout.mount('#sobopay-checkout-container');
// 3. Listen for autonomous authorization events
checkout.on('payment_success', (res) => {
console.log('Payment Approved in 320ms:', res.transactionId);
});Click "Run Test ▶" above to simulate an authenticated sandbox call against Sobopay's distributed mesh router.
A Powerful Suite of Financial Tools.
Explore SoboPay's unified products tailored for hyper-scale platforms and modern commerce.
Integrated Checkout API
Customizable, conversion-optimized checkout surfaces. Multi-currency support and local payment methods with adaptive routing logic.
Recurring Billing & Subscriptions
Automated invoicing, tiered usage billing, smart dunning management, and intelligent retries for recurring subscriptions.
Global Disbursal & Payouts
Faster, lower-cost international payouts to 180+ countries and territories with instant local clearing and zero conversion surprises.
Enterprise Risk & Compliance
Integrated anti-money laundering, sanction screenings, automated KYC onboarding, and continuous PCI DSS Level 1 protection.
Seamless Integrations with Your Favorite Platforms
Drop Sobopay into your existing e-commerce store with our officially verified, certified extensions.
Payment infrastructure built around your business model.
From multi-party marketplaces to global SaaS and on-demand workforces, Sobopay dynamically routes, splits, and reconciles money flows across 170+ jurisdictions with zero operational drag.
Architectures engineered for scale.
Whether you coordinate multi-party marketplace escrows, collect high-volume recurring SaaS subscriptions, or disburse on-demand contractor earnings, Sobopay has the dedicated blueprint.
For Marketplaces & Platforms
Automate complex multi-seller flows. Verify merchants with frictionless KYB, split payments across vendors programmatically, and hold balances in compliant escrow.
- Instant sub-merchant verification & KYB
- Automated split checkout & platform take-rates
- Programmatic escrow release on delivery
For SaaS & Digital Services
Scale predictable recurring revenue. Deploy hybrid flat, per-seat, tiered, or metered usage billing with automated dunning and smart machine-learning retry schedules.
- Usage-based metering & automated billing
- ML smart retry engine recovers 84%+ failed cards
- Dynamic proration for mid-cycle upgrades
For Global & Cross-Border
Sell globally with zero friction. Accept 130+ local payment methods, settle multi-currency balances, and eliminate FX spread risk with instant guaranteed foreign exchange locks.
- Real-time FX locks with zero spread volatility
- Local clearing rails: SEPA, ACH, Pix, Faster Payments
- Multi-jurisdiction VAT & Sales Tax compliance
For On-Demand & Gig Workforces
Pay contractors, drivers, and creators in seconds. Offer 24/7 instant push-to-card disbursements, automate tip allocations, and manage rolling reserves effortlessly.
- Sub-2-second instant push-to-debit card rails
- 100% direct tip pass-through & zero batch hold
- Real-time 1099 tax withholding ledger tagging
A Powerful Suite of Financial Tools
Explore Sobopay's composable infrastructure modules designed to replace patchwork payment systems with a single bank-grade stack.
Developer-First APIs & Instant Webhooks
Deploy sub-100ms idempotent payment intents, split payouts, and webhook events. Built-in signature verification, automatic retries, and high-throughput reliability.
Global Payout Rails
Direct connectivity to local domestic clearing networks across 170+ countries with sub-minute settlement.
Automated Tax & Regulatory Compliance
Programmatic sales tax, EU VAT OSS, UK HMRC, and Canadian GST calculation based on geolocation and product tax codes.
Segregated Client Money Ledgers
Immutable double-entry ledger isolates user balances, platform fees, rolling reserves, and tax liabilities with zero reconciliation lag.
Optimize recurring revenue and eliminate churn.
Turn involuntary payment declines into captured revenue. Sobopay's machine-learning retry engine analyzes issuing bank patterns to re-attempt transactions at the exact optimal window.
One customer payment. Every obligation handled.
A single customer checkout becomes a fully reconciled set of ledger entries and payouts—without manual spreadsheets, delayed batches, or disconnected processors.
Seller automated onboarding
Collect merchant KYB data, bank routing, and tax IDs via hosted white-label onboarding flows with automated screening.
Real-time algorithmic allocation
Calculate platform take-rates, multi-party vendor splits, tipping, and rolling reserves down to the fractional cent.
Programmatic escrow release
Hold funds securely and release on tracking confirmation, webhook triggers, or milestone deliverables.
Reconciled by default
Every payout links directly to its source intent, exchange rate, and refund policy without batch delays.
Live Ledger Audit Stream
Real-time double-entry financial tracking matching bank-grade ERP ledger models with continuous integrity checks.
| Transaction ID | Destination Entity | Routing Protocol | Fee Breakdown | Net Disbursed | Status |
|---|---|---|---|---|---|
| #TX-884910Streaming | Apex Marketplace LLC | Multi-Vendor Split | 2.1% + $0.30 | $3,420.50 USD | Settled (T+0) |
| #TX-884911 | CloudStack SaaS Global | Direct Local Rail | 1.4% Flat | €8,940.00 EUR | Settled (SEPA) |
| #TX-884912 | Alpha Logistics Escrow | Rolling Reserve (7d) | 0.5% Reserve | $1,120.00 USD | In Escrow (T+5) |
| #TX-884913 | PixelCraft Creator Hub | Automated Tiered Payout | 1.8% + $0.15 | $540.25 USD | Settled (RTP) |
Design a payment model around your growth.
Bring us your hardest money flow. Our solution architects will map the operational, regulatory, and technical path to launch.
Unified Payment Infrastructure for Global Commerce.
Accept frictionless payments, automate split payouts, and settle cross-border transactions in seconds with modular developer APIs.
Test The Live Sobopay Experience.
See how easily your customers can authorize payments through Cards, dynamic Raast QR codes, digital biometric wallets, and direct bank transfers.
Move money with less friction—and far more control.
Composable infrastructure for the full payment lifecycle, from checkout to partner payouts and treasury settlement.
Modular Payment Gateway
High-uptime multi-currency checkout supporting local cards, dynamic QR codes, and digital wallets.
- Recover more revenue with intelligent routing
- Embed once, localize across every market
- Tokenized credentials and adaptive 3DS
Automated Split Payouts
Route funds across sellers, partners, and platforms with programmable rules and automated disbursements.
- Flexible percentage and fixed-fee rules
- Onboard and verify partners globally
- Real-time ledger with complete audit trails
Cross-Border Settlement
Settle balances in local currencies in seconds with transparent FX, consolidated treasury views, and configurable schedules.
- 20+ markets through one integration
- Live rates with predictable settlement fees
- Automated balance sweeps and reconciliation
Stop fraud, not legitimate customers.
Our machine learning models analyze billions of data points across the network to identify subtle fraud patterns in real-time, drastically reducing false positives.
- Device fingerprinting & behavioral biometrics
- Custom risk rules and dynamic 3D Secure
- Automated dispute evidence submission
We work where you work.
Our distributed team operates across 4 major hubs and 18 regional offices to provide true 24/7 localized support.
Islamabad
HQ & Engineering Hub
Asia-Pacific HubLondon
EMEA Operations
European HubSingapore
APAC Risk & Treasury
Asia-Pacific HubNepal
LATAM Acquiring
Asia-Pacific HubTrusted by teams globally.
"Sobopay gave us one payment layer we could trust across every market. We lifted approval rates, removed days of payout operations."
COO · Northbeam Commerce
"The developer experience is unmatched. We integrated the entire payout system in less than a week without massive infrastructure changes."
Lead Engineer · Cartwave
"Consolidating our multi-market settlement into a single programmable ledger has saved us incredible time and improved cash flow visibility."
VP of Finance · Velox
Build the payment layer your growth deserves.
Join ambitious commerce teams running reliable global payments with less complexity and more control.
Building the financial rails for global commerce.
We believe ambitious businesses should be able to move money across markets with the clarity, speed, and confidence they expect from software.
We work where you work.
Our distributed team operates across 4 major hubs to provide true 24/7 localized support.
Islamabad
Engineering Hub
Asia-Pacific HubLondon
EMEA Operations
European HubSingapore
APAC Risk & Treasury
Asia-Pacific HubNepal
LATAM Acquiring
Asia Pacific HubDeep infrastructure, built with a human point of view.
Our principles shape the product, the operating model, and the team trusted to run critical financial infrastructure.
Clarity over complexity
We turn fragmented payment states into systems that teams can understand and control.
Principle 01Trust is a product
Reliability, security, transparent communication, and operational readiness are core features.
Principle 02Global, locally fluent
We build one platform while respecting the rails, regulations, and habits of each market.
Principle 03Usama Nisar
Payments architect and operator; focused on resilient global financial access and localized infrastructure.
CEO & Co-FounderMirza Ali Raza
Payments operations, regulatory compliance, and cross-border partnership leader.
COO & Co-FounderAli Hassan
Distributed systems architect leading high-concurrency ledger, routing, and risk engines.
CTOSobopay began with a broken reconciliation file.
Our founders saw modern commerce teams forced to stitch together processors, banks, risk tools, and spreadsheets. We built one system where every movement shares context.
- One ledger across the lifecycle
- Operational tools designed with users
- Infrastructure that scales without fragmentation
AuthorizationUS + EU$42,850Captured
Split payout4 recipients$18,240Distributed
SettlementT+1 batches$98,420Complete
Do consequential work with unusually kind people.
We are a remote-first team of engineers, operators, designers, and compliance experts who care about craft and calm execution.
- Remote across 8+ team locations
- Annual company gathering and learning budget
- High ownership, low-ego collaboration
AuthorizationUS + EU$42,850Captured
Split payout4 recipients$18,240Distributed
SettlementT+1 batches$98,420Complete
The next chapter of programmable payments.
Read company updates, infrastructure research, and perspectives from the teams building Sobopay.
- Series B expands local acquiring coverage — Sep 2026
- Sobopay opens Singapore operations hub — Jun 2026
- Engineering the five-nines ledger — Mar 2026
AuthorizationUS + EU$42,850Captured
Split payout4 recipients$18,240Distributed
SettlementT+1 batches$98,420Complete
Built deliberately. Expanded responsibly.
Every chapter strengthened the same mission: give modern businesses a clear and reliable financial operating layer.
lift in successful payment completion
“Sobopay pairs rare technical depth with an operating culture built around trust. They show up as a long-term infrastructure partner, not a vendor.”
Daniel Kim
Board Advisor and former CFO • MONO
Help build the infrastructure commerce deserves.
Join the team, start a partnership, or speak with us about the financial systems your business is building next.
Connect with our commercial engineering team.
Whether you are evaluating custom high-volume interchange rates, multi-party marketplace splits, or localized corridor clearing, our specialists respond in under 15 minutes.
How can our team help your platform scale?
Choose your preferred track below or fill out the commercial inquiry form. We pair you directly with a payment specialist who understands your market.
Commercial Sales & Interchange++
Technical Solutions & Integrations
Security, Risk & Compliance
Experience the power of Sobopay in sandbox first.
Generate live API test keys, simulate instant multi-party payouts, and test webhooks in under 5 minutes.
From first request to production in days.
Predictable APIs, typed SDKs, realistic sandboxes, and event tooling give your team the shortest path from prototype to reliable global payments.
const payment = await sobopay.payments.create({
amount: 42800, currency: "USD",
capture_method: "automatic",
split: [{ account: "acct_market", share: 8200 }],
metadata: { order_id: "ORD-28491" }
});
// 201 Created • 186ms
payment.status // "authorized"Execute Sandbox Requests In Real-Time.
Select a resource endpoint, inspect the parameters, and run live sandbox simulations to view real-time latency and HTTP responses.
Test Production Requests In Real-Time.
Integrate Sobopay into your application using typed client libraries with automatic idempotency, exponential backoff retries, and comprehensive error reporting.
- End-to-end typed request parameters and responses
- Automatic SHA-256 HMAC signature verification
- Zero-dependency native SDKs designed for low latency
Standard REST API Endpoints
Structured, predictable responses with full idempotency support.
| Method | Endpoint | Description | Status |
|---|---|---|---|
| POST | /v1/payments/intents | Initiate single or multi-vendor charge transaction | 201 Created |
| GET | /v1/ledger/balances/:account_id | Retrieve real-time available and pending escrow balance | 200 OK |
| POST | /v1/transfers/payout | Instant cross-border bank settlement routing | 202 Accepted |
| DELETE | /v1/webhooks/subscriptions/:id | Revoke event listener webhook listener | 204 No Content |
A clear workflow from API key to go-live.
Build against the same resource model you will use in production, with tools for every handoff between engineering, risk, finance, and operations.
const payment = await sobopay.payments.create({
amount: 42800, currency: "USD",
capture_method: "automatic",
split: [{ account: "acct_market", share: 8200 }],
metadata: { order_id: "ORD-28491" }
});
// 201 Created • 186ms
payment.status // "authorized"Create a sandbox workspace
Issue scoped keys, invite teammates, and select your test regions.
Build the payment flow
Use an SDK or direct API calls with typed examples and copyable requests.
Verify events and failure paths
Inspect signatures, retry delivery, and exercise deterministic scenarios.
Complete production readiness
Validate controls, observability, runbooks, and throughput with our team.
Native SDKs for every stack.
Integrate quickly with our officially supported, strongly-typed libraries.
Realtime Webhook Delivery
Get millisecond notifications for every transaction, refund, dispute, and KYC milestone. Signed with SHA-256 HMAC.
Automatic Retries 99.999% SLA Signature Verification
{
"event":"payment_intent.succeeded",
"created_at":1727954000,
"data":{
"id":"pi_99182746",
"amount_received":245000,
"currency":"usd",
"status":"settled"
}
}Make your first production-grade request today.
Create a workspace, copy a quickstart, and explore the complete payment lifecycle in a realistic sandbox.
Privacy Policy
How Sobopay collects, uses, encrypts, and handles financial information across our global payment infrastructure.
Our Core Privacy Commitments
We treat data privacy not as a legal obligation, but as foundational architecture for financial trust.
Data Minimization
We only capture transaction and identity attributes strictly necessary to route funds, satisfy KYC/AML laws, and prevent fraudulent attempts.
Zero Unnecessary RetentionTokenized Storage
Sensitive card numbers and bank credentials are tokenized immediately upon entry. Plaintext numbers never touch application databases or memory.
End-to-End EncryptionFull Merchant Control
Platform operators retain complete export rights, granular API scoping, and programmatic mechanisms to request consumer data deletion.
GDPR & CCPA CompliantDetailed Privacy Policy Sections
Click each category to inspect our collection scopes, retention timelines, and consumer empowerment tools.
1. Information We Collect
• Merchant Business Information: Corporate entity records, beneficial ownership data, corporate tax identification, and settlement bank credentials.
• Transaction Telemetry: Amount, currency, billing IP address, device fingerprints, and payment method tokens necessary to execute authorizations and prevent automated bots.
• Developer Credentials: Encrypted API access keys, webhook endpoint destinations, and access logs required for audit trails.
2. How Information Is Processed
We process collected data exclusively to:
• Authorize and disburse transactions through card networks, local payment rails, and central bank clearing systems.
• Run deterministic machine-learning algorithms to identify card testing and account takeover risks.
• Comply with global statutory obligations including OFAC sanctions, FINCEN regulations, and international anti-money laundering frameworks.
3. Third-Party Sharing & Transfers
Sobopay does not sell, rent, or monetize customer or merchant data under any circumstances. Data is transmitted strictly to:
• Regulated banking partners and card networks (Visa, Mastercard, local central rails) necessary to settle funds.
• Verified KYC and identity screening bureaus to satisfy legal identity verification.
• Authorized law enforcement bodies only upon presentation of legally valid subpoenas or court orders.
4. Retention Periods & Automated Deletion
Transaction records and settlement ledger entries are retained in immutable cold storage for seven (7) years in compliance with international banking regulations. Non-essential debugging logs and request payload traces are purged automatically after ninety (90) days.
5. Your Rights (GDPR, CCPA & Global Equivalents)
Depending on your jurisdiction, you possess the right to:
• Request an audited export of all personal information linked to your merchant account.
• Request rectification of inaccurate corporate or identity records.
• Request erasure of non-statutory records by submitting an authenticated request to privacy@sobopay.com.
Have specific compliance or privacy questions?
Our data protection officer and compliance team are available to review vendor risk assessments and data protection addendums (DPAs).
Terms of Service
The operational framework, rights, and responsibilities governing use of the Sobopay platform and money transmission rails.
Summary of Key Merchant Obligations
A quick overview of operating conditions before reviewing the comprehensive clauses below.
Merchant Eligibility
Merchants must maintain valid corporate standing, complete KYC/KYB identity checks, and operate strictly within permitted product categories.
KYC & KYB MandateCredential Security
You are solely responsible for securing your private API secret keys, validating webhook HMAC signatures, and rotating leaked credentials.
HMAC & API Key ProtectionChargeback Liability
Merchants bear financial responsibility for customer chargebacks, refunds, and fines levied by card associations resulting from non-compliant operations.
Zero-Liability Escrow SafeguardsStandard Agreement Terms
These terms form the legally binding contract between your enterprise and Sobopay, Inc.
1. Account Onboarding & Verification
Access to production transaction routing is contingent upon successful verification of entity identity, beneficial ownership, and commercial banking relationships. Sobopay reserves the right to request audited financial statements or updated tax filings periodically.
2. Fee Schedules & Settlement Mechanics
All processing fees, currency conversion markups, and per-transaction fees are deducted automatically from gross processing volume prior to settlement disbursement. Payout timelines (T+0 instant, T+1, or T+2 standard) reflect individual underwriting approvals and risk tiering.
3. Reserves & Risk Mitigation
In cases of unusual chargeback velocity, seasonal volume spikes, or heightened counterparty risk, Sobopay may establish a temporary rolling reserve (typically 5% to 10% for up to 90 days) to protect against unresolved customer disputes.
4. Prohibited & Restricted Businesses
Sobopay infrastructure may not be utilized to process transactions related to sanctioned nations, unlawful betting, counterfeit merchandise, or activities in violation of card network operating rules (Visa Core Rules and Mastercard Operating Rules).
5. Service Level Commitments & Uptime
Sobopay commits to a 99.999% monthly API availability uptime target. Scheduled maintenance windows will be communicated via status.sobopay.com at least forty-eight (48) hours in advance.
6. Termination & Orderly Offboarding
Either party may terminate platform access with thirty (30) days prior written notice. Upon termination, settlement balances will be finalized, reserves liquidated post-dispute periods, and account data preserved according to statutory obligations.
Ready to discuss an enterprise Master Services Agreement?
We support custom bilateral MSAs, volume tier commitments, and custom SLA schedules for organizations processing over $50M annually.
Security & Compliance
Deep cryptographic protection, independent multi-tier audits, and active defense powering five-nines financial availability.
Architected for Five-Nines Financial Resilience
Every microservice, database shard, and network ingress path is hardened to withstand adversarial attempts and zero-day exploits.
Envelope Cryptography
Every card intent is encrypted at rest using distinct per-transaction data encryption keys (DEKs) wrapped by master keys in dedicated hardware HSMs.
FIPS 140-2 Level 3 HSMImmutable Double-Entry Ledger
Financial state transitions are recorded as append-only cryptographic ledger blocks. Balances cannot be modified in place or altered retroactively.
Cryptographic Audit TrailDDoS & Bot Scrubbing
Multi-terabit edge scrubbing shields checkout forms from automated card testing scripts, credential stuffing, and volumetric network assaults.
Automated Threat MitigationResponsible Disclosure & Bug Bounty
We work closely with the global security research community to identify and resolve vulnerabilities before they can impact customer systems.
Security Contact: support@sobopay.com
PGP Key Fingerprint: 4E91 B288 90CF 1289 AD02 8841 B9E2 4012
Security SLAs & Guarantees
- Under 2-hour median initial response to critical reports
- Continuous automated static and dynamic code scanning (SAST/DAST)
- Role-based access controls with mandatory hardware MFA for all personnel
- Quarterly SOC 2 bridge letters and compliance artifact portal for enterprise clients
Need our SOC 2 Type II or PCI Attestation of Compliance (AoC)?
Enterprise procurement teams can request our complete compliance and vendor risk package under mutual NDA.