Next-Generation Payments

Accept Every Payment,
Everywhere It Happens

Vrfy gives merchants a single, intelligent platform to accept credit cards, debit cards, and cryptocurrency — built for the modern digital economy.

Start for Free → See Why Vrfy

0%

Uptime Guaranteed

0

Currencies Supported

<1ms

Avg. Response Time

$0

Processed Annually

What We Do

One Platform,
All Your Payments

Whether your customers prefer to swipe a card or pay in Bitcoin, Vrfy handles every transaction securely and instantly.

💳

Card Processing

Accept Visa, Mastercard, Amex, and Discover with industry-leading approval rates and instant settlement. PCI-DSS Level 1 certified.

₿

Automated DeFi Trading

Leverage decentralized finance protocols to enable automated, on-chain crypto payments. Smart contracts execute trades and settlements without intermediaries — giving merchants instant finality, zero chargebacks, and programmable payment logic at the protocol level.

🤖

AI-Ready API

Purpose-built for the agentic economy. Let AI agents, bots, and autonomous systems transact on behalf of your users — safely and verifiably.

🛡️

Enterprise Security

Advanced fraud detection, real-time risk scoring, 3D Secure 2.0, and tokenization — protecting you and your customers at every step.

Built for Real Businesses

Trusted by Teams Like Yours

From solo entrepreneurs to mid-market e-commerce brands, Vrfy powers payments for merchants who demand reliability, transparency, and speed.

Instant onboarding — go live in under 30 minutes
Transparent, flat-rate pricing with no hidden fees
Real-time dashboard with full transaction visibility
24/7 dedicated support from real payment experts

Create Your Account

Diverse business team in modern office meeting

Real-time settlements

Funds hit your account same day

No Setup Fees

Ready to Start Accepting Payments?

Join thousands of merchants already using Vrfy. No monthly minimum, no long-term contract.

Get Started Free → Talk to Sales

Our Story

Payments That Actually Work for You

Vrfy was founded on a simple belief: merchants deserve payment infrastructure that's transparent, reliable, and built for the future — not legacy systems dressed up with a new UI.

Who We Are

Built by Merchants, for Merchants

Our founding team spent years on the merchant side — frustrated by opaque pricing, slow settlements, and payment processors that acted like gatekeepers. So we built the platform we always wished existed.

Today, Vrfy serves thousands of merchants across North America and Latin America, from emerging startups to established brands, helping them grow their revenue without the payment headaches.

Founded in 2021 with a merchant-first mission
Headquartered in Miami, FL with teams across the Americas
Licensed Money Service Business in the US and Canada
PCI-DSS Level 1, SOC 2 Type II, ISO 27001 certified

Diverse team collaborating in open office

Our Values

What We Stand For

🔍

Radical Transparency

No hidden fees. No surprise chargebacks. No fine print designed to confuse you. Your merchant dashboard shows every dollar, every fee, every movement in real time.

⚡

Speed as a Feature

We believe slow settlements cost you money. Same-day and next-day payouts are standard, not upsells. Your cash flow is our priority.

🤝

Genuine Partnership

When you win, we win. Our success is measured by your growth. That's why every merchant gets a dedicated account manager — not just a ticket number.

🌍

Inclusive Access

We believe every merchant — regardless of size, geography, or business model — deserves access to world-class payment infrastructure.

Leadership

Meet the Team

A diverse group of payment veterans, engineers, and product builders united by a single mission.

Marcus Chen

Chief Executive Officer

Amara Osei

Chief Technology Officer

Diego Reyes

Chief Operating Officer

Priya Nair

Head of Product

Life at Vrfy

Culture & Community

The Vrfy Advantage

Because Your Payments Deserve Better

Legacy processors were built for a world that no longer exists. Vrfy was built for the internet economy — fast, global, and intelligent from day one.

99.9% Uptime SLA

Your checkout never goes down

Reliability

Infrastructure You Can Count On

Every millisecond of checkout downtime costs you money. Vrfy runs on multi-region cloud infrastructure with automatic failover, so your payment gateway stays live — even when the internet isn't cooperating.

For the technical reader: We operate on a distributed architecture with active-active failover across AWS us-east-1, us-west-2, and eu-west-1, with sub-100ms latency globally and a 99.9% uptime SLA backed contractually.

Multi-region cloud with automatic failover
99.9% uptime SLA — contractually guaranteed
Real-time system status at status.vrfypayment.com
Zero-maintenance deployment windows

Two professionals reviewing data on laptop

Pricing

Flat-Rate Pricing, No Surprises

Most payment processors bury fees in fine print. Interchange differentials, batch fees, monthly minimums, PCI compliance charges — it adds up fast. Vrfy charges one simple rate. That's it.

No monthly fee. No chargeback fees beyond dispute resolution costs. No fee for international cards. Volume-based discounts automatically applied as you grow.

2.4% + $0.25 per successful card transaction
1.0% for crypto payments (no volatility risk to you)
Volume discounts start at $25K/month processed
Custom enterprise pricing for high-volume merchants

The Comparison

Vrfy vs. The Rest

Here's how we stack up against the incumbents on the features that actually matter to merchants.

Feature	Vrfy	Legacy Processors
Crypto Payments Built-In	✓	Add-on / Not available
AI Agent API Access	✓	✗ Not supported
Same-Day Payouts	✓	2-3 business days
Flat-Rate Transparent Pricing	✓	Tiered / Hidden fees
30-Minute Onboarding	✓	Days to weeks
Dedicated Account Manager	✓	Enterprise plans only

Common Questions

Frequently Asked

Most merchants are live within 30 minutes. Fill out your business profile, upload your verification documents, and integrate our drop-in checkout or API. There's no waiting for a sales call or manual review for standard business types.

Yes, with some conditions. We work with select high-risk verticals including nutraceuticals, travel, software subscriptions, and digital goods. Contact our risk team to discuss your business model before applying.

We provide a chargeback management portal where you can dispute chargebacks with evidence. Our fraud tools are designed to prevent most chargebacks before they occur. Merchants maintaining a chargeback ratio below 0.5% receive expedited dispute resolution support.

No. Vrfy is month-to-month with no long-term commitments or cancellation fees. We earn your business by delivering results, not by trapping you in a contract.

Vrfy currently supports merchants based in the US, Canada, and Mexico, with Latin America expansion underway. International customer payments are accepted from over 180 countries. Contact us about our regional roadmap.

Card Payments

Credit & Debit Card
Processing Made Simple

Accept every major card brand from every corner of the world. Vrfy's payment gateway delivers industry-leading approval rates, real-time fraud protection, and instant settlement.

Start Accepting Cards → Talk to Sales

94.7% approval rate

Industry average is 87% — we beat it

The Basics

What is Card Processing?

When a customer enters their card details at your checkout, that information has to travel securely through several systems — from your website, through a payment gateway, to the customer's bank, and back — all in under 2 seconds. That's what Vrfy handles for you.

Think of us as the secure courier between your checkout page and your customer's bank. We make sure the message gets there safely, the funds are real, and the money ends up in your account.

Visa, Mastercard, American Express, Discover, UnionPay
Credit, debit, prepaid, and virtual cards
3D Secure 2.0 for EU SCA compliance
Card-on-file and recurring billing support

Under the Hood

How a Transaction Actually Works

For the technically curious — here's the full lifecycle of a Vrfy card transaction.

01

Tokenization

Card data is immediately encrypted and replaced with a unique token (using AES-256). Raw card numbers never touch your servers. PCI scope reduced to SAQ A.

02

Authorization Request

We transmit the auth request via ISO 8583 messaging protocol to the card network (Visa/MC), which routes to the issuing bank for approval. Typical round-trip: 800ms.

03

Fraud Scoring

Simultaneously, our ML-based risk engine scores the transaction across 200+ signals including velocity checks, device fingerprint, geo-IP, and behavioral biometrics.

04

Settlement

Authorized funds are batched and settled through the ACH network or via real-time payment rails. Most merchants receive funds same-day via Instant Payout.

Sample API Response — Authorization

{
  "transaction_id": "vrfy_txn_8k2mxR4pN9",
  "status": "authorized",
  "amount": 4999,
  "currency": "USD",
  "card_last4": "4242",
  "network": "visa",
  "auth_code": "A88821",
  "risk_score": 12,
  "latency_ms": 743,
  "settled_at": "2025-10-15T22:00:00Z"
}

Integration Options

Multiple Ways to Integrate

No-Code Drop-In Checkout

Paste two lines of HTML and you're live. Our pre-built, PCI-compliant checkout form handles card collection, validation, 3DS, and mobile optimization automatically. Works out-of-the-box with any website.

Hosted on Vrfy's PCI-compliant servers
Mobile-optimized and keyboard-accessible
Apple Pay and Google Pay included
Customizable to match your brand

index.html — Drop-In Integration

<script src="https://js.vrfypayment.com/v2"></script>
<div id="vrfy-checkout"
     data-key="pk_live_YOUR_KEY"
     data-amount="4999"
     data-currency="usd">
</div>

Full REST API

For developers who need full control. Our REST API supports all payment operations, webhooks, idempotency keys, and async processing. SDKs available for Node.js, Python, PHP, Go, and Ruby.

REST API with OpenAPI 3.0 documentation
Webhooks for all transaction lifecycle events
Idempotency keys for safe retries
Test mode with Stripe-compatible card numbers

Node.js — Create Payment Intent

const vrfy = require('@vrfy/sdk');
const client = new vrfy.Client('sk_live_...');

const intent = await client.payments.create({
  amount: 4999,
  currency: 'usd',
  payment_method: 'pm_card_visa',
  confirm: true,
  idempotency_key: 'order_abc123'
});

Platform Plugins

Already running a store on a popular platform? Install our official plugin and you're up in minutes — no code required.

🛒

WooCommerce

WordPress plugin. Install from the WP marketplace.

🏪

Shopify

Available in the Shopify App Store.

⚡

Magento

Magento 2 extension for enterprise stores.

🔧

Custom

Use our REST API with any platform or stack.

Automated DeFi Trading & Crypto Payments

Accept Crypto Like You Accept Cards

Give your customers the freedom to pay with Bitcoin, Ethereum, USDC, and 50+ other cryptocurrencies. Vrfy is built on DeFi rails — decentralized, transparent, and always-on. No volatility risk to you — receive USD or local currency every time.

Enable Crypto Payments →

🔗 Decentralized Finance ⛓️ On-Chain Settlement 🛡️ Non-Custodial Option ⚡ Permissionless

The Simple Version

Crypto Payments, No Complexity

You don't need to understand blockchain to accept crypto. Here's what actually happens: your customer chooses "Pay with Crypto" at checkout, selects their preferred coin, sends from their wallet, and you receive dollars in your bank account. We handle everything in between.

Crypto payments settle faster than card payments, have no chargebacks by design, and often carry lower fees — especially for international customers.

Auto-conversion to USD, EUR, CAD, or MXN
No exposure to crypto price volatility
Chargebacks impossible by design (blockchain finality)
Lower fraud risk than card payments

Young professional using mobile phone for payment

50+ Cryptocurrencies

BTC, ETH, USDC, SOL, and more

Wallet Options

Pay with Your Wallet of Choice

Customers can use any existing crypto wallet — or create a Vrfy Wallet right at checkout in under 2 minutes.

🔗

Connect Any Wallet

MetaMask, Coinbase Wallet, Trust Wallet, Phantom, Ledger, and 200+ wallets supported via WalletConnect v2 protocol. Works on mobile and desktop.

WalletConnect v2

✨

Vrfy Wallet

First time with crypto? Create a Vrfy-hosted wallet in 90 seconds with just an email address. Send, receive, and pay — no technical knowledge required.

Custodial · Email Recovery

🔐

Self-Custody Option

For the privacy-conscious user. Generate a non-custodial wallet with a mnemonic seed phrase. You own your keys, Vrfy just provides the interface.

BIP-39 · 12-word seed

Automated DeFi Trading

How Automated DeFi Trading Powers Your Payments

Vrfy's crypto infrastructure is built on DeFi protocols — your payments settle directly on public blockchains via smart contracts, with no intermediary, no censorship, and no single point of failure.

What is Automated DeFi Trading, in plain terms? Instead of routing your payment through a bank, a card network, and a payment processor — each taking a cut and adding delay — Vrfy uses smart contracts deployed on public blockchains to settle payments automatically. The rules of the transaction are written in code, executed on-chain, and visible to anyone. No committee approves it. No bank can reverse it.

For merchants, Automated DeFi Trading means payments that are final the moment they confirm on-chain — typically in seconds to minutes. No three-day ACH windows. No chargebacks. No holds. And because the protocol is open, fees are a fraction of what card networks charge.

Smart contract settlement — code enforces the rules, not humans
On-chain records provide a fully auditable payment history
Automated liquidity routing finds the best swap rates in real time
Cross-border at the same cost as domestic — no FX markup
24/7/365 — blockchains don't close on weekends or holidays

Traditional vs. DeFi Payments

Traditional (Card/Wire)

Bank → Issuer → Network → Acquirer → Your Bank
2–5 days settlement · Reversible · Opaque fees · Chargeback risk

DeFi (Vrfy Crypto)

Customer Wallet → Blockchain → Your Settlement
Minutes to settle · Irreversible · Transparent · Zero chargebacks

Technical Depth

For the Technical Reader

Supported Chains & Tokens

Bitcoin (BTC) via native SegWit addresses
Ethereum mainnet + ERC-20 tokens (USDC, USDT, DAI, WETH)
Solana (SOL) + SPL tokens
Polygon (MATIC) for low-fee transactions
Base, Arbitrum, Optimism Layer-2 networks
BNB Smart Chain (BEP-20)

Webhook — Crypto Payment Confirmed

{
  "event": "crypto.payment.confirmed",
  "payment_id": "vrfy_cp_9xKmQR2",
  "chain": "ethereum",
  "token": "USDC",
  "amount_crypto": "49.99",
  "amount_fiat_usd": 49.99,
  "tx_hash": "0x4f2a...8c1e",
  "confirmations": 6,
  "settled_usd": 49.54
}

✦ Agentic Friendly Platform

The Payment Layer for the Agentic Economy

Vrfy is the world's first Agentic Friendly Payment Platform — purpose-built so AI agents, bots, and autonomous systems can transact on your behalf safely, verifiably, and without friction. The future of commerce is agentic. Vrfy is already there.

Explore the API → Request Demo

🤖 Agent-Native API 🔐 Programmable Controls 📋 Immutable Audit Trail ⚡ Real-Time Revocation

The Big Picture

Why AI Agents Need Their Own Payment Rails

AI agents — whether they're booking travel, purchasing software licenses, managing vendor invoices, or reordering inventory — increasingly need to spend money autonomously. Traditional payment APIs weren't designed for this.

Human-centric payment flows assume a person is clicking buttons and verifying charges. Agent flows need programmable spend limits, per-task authorization tokens, real-time revocation, and immutable audit logs — capabilities that simply don't exist elsewhere.

Vrfy fills that gap. Think of it as giving your AI agent a corporate credit card — but with granular, programmable controls that you define.

Developer working on AI tools with screens

Agent Wallet System

Programmable spend controls built-in

🤖

✦ Certified Agentic Friendly

What Does "Agentic Friendly" Mean?

An Agentic Friendly Platform is one that's been designed from the ground up to work with AI agents as first-class participants — not as an afterthought. Most payment APIs assume a human is at the keyboard. Vrfy assumes your transaction might be initiated by a Claude model, a GPT agent, an AutoGPT workflow, or a custom LLM — and handles that correctly, safely, and with full accountability. Your agents get their own identity, their own spend controls, and their own audit trail.

Build with Vrfy →

Platform Features

Built for Autonomous Commerce

🔑

Agent API Tokens

Issue scoped, revocable API tokens to each AI agent instance. Tokens carry embedded spend limits, allowed merchant categories, geographic restrictions, and expiry times.

📋

Immutable Audit Log

Every transaction initiated by an agent is cryptographically signed and logged. Full traceability from decision to settlement — tamper-proof and compliance-ready.

⚡

Real-Time Revocation

Instantly revoke, pause, or limit any agent's spending authority via API or dashboard. Changes propagate in under 500ms — critical when an agent behaves unexpectedly.

🧠

Intent Verification

Our optional Intent API lets agents describe a purchase in natural language. Vrfy's classifier validates the intent against your policy rules before authorizing the transaction.

🌐

Webhook Streaming

Real-time webhook events for every agent action. Connect to your orchestration layer, logging system, or monitoring stack with zero polling required.

📊

Agent Analytics

Spend analysis broken down by agent identity, task type, merchant category, and time. Understand what your agents are buying and why — at a glance.

Developer Reference

Issuing an Agent Token

Issue a scoped token to an agent in one API call. Define exactly what it can spend, where, and for how long. The agent uses this token as its bearer credential for all payment operations.

Scoped by merchant category codes (MCCs)
Per-transaction and daily spend caps
TTL (time-to-live) in seconds or explicit expiry datetime
Optional human-in-the-loop approval threshold
Compatible with OpenAI, Anthropic, and LangChain agent frameworks

POST /v1/agents/tokens — Issue Agent Credential

POST /v1/agents/tokens
Authorization: Bearer sk_live_...

{
  "agent_id": "travel_booking_agent_v2",
  "display_name": "Travel Booking Agent",
  "spend_limit_per_txn": 50000,
  "spend_limit_daily": 500000,
  "allowed_mcc": ["4722", "7011", "4511"],
  "geo_restriction": ["US", "CA", "MX"],
  "ttl_seconds": 86400,
  "require_approval_above": 25000
}

Use Cases

What Agents Are Already Doing

✈️

Travel Booking

AI concierge agents that book flights, hotels, and cars on behalf of enterprise employees — within company travel policy, automatically.

🛒

Procurement Automation

Inventory management agents that automatically reorder supplies when stock drops below threshold — no purchase order process needed.

🤖

SaaS License Management

Agents that evaluate, purchase, and renew software subscriptions on behalf of IT departments — with full audit trails.

📦

Marketplace Fulfillment

E-commerce platforms where AI agents handle end-to-end order fulfillment, vendor payments, and logistics booking autonomously.

Get in Touch

We'd Love to Hear from You

Whether you have a question, need a custom quote, or want a live demo — our team is here to help. Real people, real responses within 4 business hours.

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VrfyPay

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VrfyPay

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🚀

Live in
30 min

🔒

PCI-DSS
Level 1

💬

24/7
Support

Accept Every Payment,Everywhere It Happens

One Platform,All Your Payments

Card Processing

Automated DeFi Trading

AI-Ready API

Enterprise Security

Trusted by Teams Like Yours

Real-time settlements

Ready to Start Accepting Payments?

Payments That Actually Work for You

Built by Merchants, for Merchants

What We Stand For

Radical Transparency

Speed as a Feature

Genuine Partnership

Inclusive Access

Meet the Team

Marcus Chen

Amara Osei

Diego Reyes

Priya Nair

Culture & Community

Because Your Payments Deserve Better

99.9% Uptime SLA

Infrastructure You Can Count On

Flat-Rate Pricing, No Surprises

Vrfy vs. The Rest

Frequently Asked

Credit & Debit CardProcessing Made Simple

94.7% approval rate

What is Card Processing?

How a Transaction Actually Works

Tokenization

Authorization Request

Fraud Scoring

Settlement

Multiple Ways to Integrate

No-Code Drop-In Checkout

Full REST API

Platform Plugins

WooCommerce

Shopify

Magento

Custom

Accept Crypto Like You Accept Cards

Crypto Payments, No Complexity

50+ Cryptocurrencies

Pay with Your Wallet of Choice

Connect Any Wallet

Vrfy Wallet

Self-Custody Option

How Automated DeFi Trading Powers Your Payments

Traditional vs. DeFi Payments

For the Technical Reader

Supported Chains & Tokens

The Payment Layer for the Agentic Economy

Why AI Agents Need Their Own Payment Rails

Agent Wallet System

What Does "Agentic Friendly" Mean?

Built for Autonomous Commerce

Agent API Tokens

Immutable Audit Log

Real-Time Revocation

Intent Verification

Webhook Streaming

Agent Analytics

Issuing an Agent Token

What Agents Are Already Doing

Travel Booking

Procurement Automation

SaaS License Management

Marketplace Fulfillment

We'd Love to Hear from You

Let's Talk Payments

Email

Phone

Live Chat

Headquarters

Send Us a Message

Welcome back

Accept Every Payment,
Everywhere It Happens

One Platform,
All Your Payments

Credit & Debit Card
Processing Made Simple