Not another PSP
The layer above them. Built by people who have sat on your side of the table.
derisking cycle
Settlerock exists because the founding team spent years running and advising merchants in exactly these verticals and got tired of the same cycle: onboard, grow, get derisked, start over.
The derisking cycle
Many channels behind one connection, so one bank cooling on your vertical is a routing event, not a crisis.
Slow answers
A straight one, even when the answer is no. Channel, pricing and conditions in writing.
Single-bank risk
We never depend on one bank’s appetite, and neither will you.
Integration number four
One API that outlasts any single acquirer.
Decisions nobody can explain
Every routing decision carries its trace and its numbers. A copilot that answers from your ledger, not a slide.
and
From the merchant’s side
The product is what we wished we had: the trace, the sentinel, the reserve terms on the first page. We are a technology company; acquiring, processing and safeguarding sit with licensed partners.
One layer above the acquirers
Routing, redundancy and reporting across many banks and channels, behind a single API. Rails are adapters behind a contract suite; none of them is special.
High risk doesn’t mean low standards. It means the standards matter more.
Reserves agreed upfront, in writing
Stated per risk tier at underwriting and shown in the dashboard to the day.
Full KYB before the first transaction
Every merchant is reviewed by a person before live keys exist.
Monitoring across every channel
Around the clock, per terminal, against scheme thresholds.
Licensed and certified partners
When your bank looks us up, and they will, they find exactly what they expect to find.
Nine rails, one contract
Talk to
a person.
Two minutes of your time, one straight answer.