Do you provide payments to merchants outside the US?
Sooner or later your best merchants want US customers too. If you can't offer US acceptance, they'll get it somewhere else and you risk losing them.
OutlinePay is one API that adds US payment acceptance to your product. Your brand, your fee on every payment, your merchants.
// you never pay us anything · merchants pay a small fee on each payment · you collect a payout every month
Today merchants sign up with a US-registered company. We can enable 42 other countries when a partner asks.
Founding partnerCookiePay, a Korean payment gateway integration platform in business since 2018 with nine partner gateways, was the first platform to integrate OutlinePay.
CookiePay's merchants grew, and more of them wanted to sell to US customers. A US-registered company lets a merchant accept US cards at domestic rates instead of paying cross-border fees. What was missing was a way to do that through the platform they already used. We built OutlinePay with CookiePay to close that gap. Today a CookiePay merchant with a US entity can sell to US customers at US rates, and stay a CookiePay merchant.
The same API is open to any platform that serves merchants. You integrate once, under your own brand, and you need no US company or processor account of your own.
Your brand. Your fee. Your merchants.
Your brand, not ours
Checkout pages and payment links show the merchant's name. Onboarding and compliance happen inside your own UI. Merchants see our name on the terms they accept when they sign up, next to yours, and in the notice we send if those terms change.
An API your engineers will vouch for
A REST API with idempotency on every write, signed webhooks, documented error conventions, and a public OpenAPI spec.
US merchant onboarding, handled
We guide your merchants through onboarding, KYC, and risk, so they start accepting US payments without dealing with the processor themselves.
No processor lock-in
One API, any processor. Stripe today, more later, and your integration does not change when we add one.
Who carries the risk, who owns the merchants, and what happens if you leave.
If a merchant goes bad, who eats the loss?
The processor does. You and we both screen merchants, but the processor makes the final KYC decision on each one and takes responsibility for any negative balance. We only work with processors that accept this, so a bad merchant is not a debt on your books or on ours.
Who owns the merchant relationship?
You do. The agreement bars us from soliciting your merchants, during the partnership and after it ends.
What happens if we part ways?
You get ninety days of normal processing. You can export your merchants, payments, and payout history at any time, not only at the end. Where each merchant goes next is your decision.
Three steps to your first US payment.
Integrate
Connect our API to your platform with a sandbox key. Create merchants, create checkouts and payment links, and subscribe to webhooks.
Onboard your merchants
Embed our compliance components. Merchants finish US onboarding in your own UI while the processor handles KYC and risk.
Get paid
Your merchants accept US payments. You earn your fee on every transaction, settled to you monthly.
OutlinePay costs your business nothing.
Every fee is part of the merchant's payment: the processor's cost, our flat 0.5%, and your own fee on top, which you set and keep. Your earnings settle to you in the first week of each month.
Get a free sandbox keyCapped at $5 on bank payments, because bank rails charge a flat amount whatever the payment size. Your own fee on bank payments is capped too, at a ceiling you set.
Try the full API for free.
The real API with test keys, not a demo. Every endpoint, webhook, and error behaves as it does live. Send your engineers the docs.
The questions platforms ask us first.
General
What does OutlinePay actually take off our plate?
One integration that covers payment acceptance, merchant onboarding, compliance, and payouts with US processors. Your platform offers US payments under its own brand. Merchants see our name on the terms they accept when they sign up, and in the notice we send if those terms change. Your branding, UX, and merchant relationships stay yours.
Is OutlinePay a payment processor?
No. Payments are processed by licensed payment processors, Stripe today with more on the roadmap. OutlinePay is the software layer that connects your platform to them, through one API that stays the same as processors are added.
Does OutlinePay hold our merchants' money?
No. Funds settle from the payment processor to each merchant directly, and OutlinePay never takes custody of merchant funds. Your platform's own earnings are settled to you separately, every month.
If a merchant goes bad, who absorbs the loss?
Not your platform. If a merchant's account ends up with a loss that cannot be recovered from the merchant, that loss is not passed to you. We only integrate processors that stand behind this. Day-to-day fraud screening and disputes are handled at the merchant level. See the Stripe questions below.
How does our platform earn on this?
You set your own per-payment fee on top of the costs in the pricing section, and you keep all of it. It accrues on every payment your merchants take and settles to you monthly.
How much engineering work is the integration?
One REST integration with a sandbox key: create merchants, open checkouts and payment links, embed the onboarding component, subscribe to webhooks. There is no processor-specific code to write. Plan a few weeks, not quarters. Read the quickstart →
Our company isn't in a country Stripe serves. Can we still offer US payments?
Yes. Your platform never needs a Stripe account or a US entity of its own. Your merchants hold their own accounts in their own names, and OutlinePay is the software layer connecting your platform to them. Documentation and integration support come in English and Korean.
Where do our merchants need to be registered?
In the US, or in one of the other countries on the country page. A merchant with a US-registered company sells at US-domestic rates. A merchant registered elsewhere signs up with its local company and pays its own country's processing rates. Tell us which country and we enable it. See the countries →
What happens if we stop working with OutlinePay?
Your merchants are yours, and that doesn't change when a contract ends. You get 90 days of normal processing to transition, you decide where each merchant goes next, and we hand you a complete export of your merchants, payments, and payout history. We're contractually barred from soliciting your merchants, during the partnership and after it. Your merchants keep receiving their payouts throughout, and your final fee settlement follows once the dispute window closes. Read the Partner Agreement →
Payments via Stripe
What is OutlinePay's relationship with Stripe?
Payments for the merchants you onboard today are processed by Stripe. Each merchant is verified by Stripe in its own name and has its own Stripe account behind your platform. OutlinePay creates and manages that account through the API as part of onboarding.
What does Stripe onboarding look like for our merchants?
Each merchant completes Stripe's verification once (KYC, the identity and business checks) inside an embedded component that renders in your UI. Your platform starts it with one API call and follows progress through webhooks.
Who handles disputes and chargebacks?
The merchant does, directly. Disputes surface in an embedded component where the merchant responds with evidence, so your platform does not have to build or staff a dispute process.
Why might a buyer see a different currency than the merchant's price?
Stripe can show a non-US buyer the price in their local currency at checkout. It is a convenience for the buyer only: the merchant's price, the settlement, and every amount your platform sees in the API stay in the currency the payment was created in.
A question we haven't answered? Email hello at outlinepay dot com
Where your merchants can be registered.
A merchant with a US-registered company sells to American customers in dollars, at US-domestic rates, on the same footing as any US business.
Merchants registered in one of the 42 other countries the processor supports can sign up with their local company. We enable a country when a partner asks.
See the countries →Request a sandbox key.
Tell us a little about your business. We review every request and email your key within one business day.