SettlPay is a settlement platform for in-person commerce, launching soon. Your customers pay by card exactly as they do today — and SettlPay is built to put your money in your account in minutes: nights, weekends, holidays. Not Tuesday.
You run your biggest volume Friday through Sunday. Then you wait. Batches close, funds sit in transit, and the money you earned this weekend shows up midweek — after payroll was due, after the supplier truck left, after you covered the gap out of pocket.
The card networks got fast. Settlement didn't. That's the part we're built to fix.
Your customers pay by card at your terminal, same as today. Visa, Mastercard, Amex, Discover — tap, dip, or digital wallet. Processing runs through established, PCI-compliant acquiring partners — card data never touches SettlPay systems.
When your batch closes, funds settle in minutes over next-generation settlement rails in regulated, fully-reserved digital dollars — fully backed and redeemable 1:1 for U.S. dollars. No cutoffs, no weekend float.
Your funds land in your SettlPay settlement account, available immediately. Move them where you want, when you want — 2 PM Tuesday or 2 AM Sunday.
SettlPay is a full settlement platform — everything you need to run payments across one location or two hundred.
Onboard locations in minutes with guided, fully compliant onboarding. Every location verified, every account audit-ready from day one.
Every terminal, every location, one dashboard. Deploy, configure, and monitor your fleet without a support ticket.
Watch batches close and funds arrive in real time. Every dollar accounted for from tap to treasury.
Choose your settlement rail, network, and schedule per location. Standard bank settlement or instant settlement — your call, changeable anytime.
Location-level and portfolio-level reporting that your bookkeeper will actually thank you for. Export everything.
Roll up performance across every site. Compare locations, spot problems, and manage settlement policy from one seat.
Settlement that works like the rest of your business: always on. Traditional settlement moves on banking hours — cutoffs, weekends, holidays, float. SettlPay is built to settle in regulated, fully-reserved digital dollars over modern settlement networks that run continuously — no cutoff windows, no weekend float.
Fully reserved. Dollar-denominated. Redeemable 1:1. Delivered in minutes.
High-volume, card-present, multi-location businesses run exactly the kind of operation legacy settlement fails hardest — weekend-heavy volume, thin working-capital margins, and money that shows up days after it was earned.
SettlPay is being built for this profile first: the operators who feel the weekend-to-midweek gap most — payroll timing, supplier terms, and the cash-flow gaps between your banner days and the banking days that follow them.
Onboarding multi-location operators for early access through 2026.
Card processing is delivered end-to-end through established, PCI Level 1 acquiring partners. Card data is encrypted at the terminal and never enters SettlPay systems.
Every merchant location completes full business verification before processing a single transaction.
Settlement runs exclusively in regulated, fully-reserved digital dollars issued by licensed U.S. institutions and redeemable 1:1 for dollars.
Funds are processed, held, and settled by licensed payment and settlement providers at every step.
SettlPay is a software platform. Funds are processed and settled by licensed payment and settlement providers; SettlPay does not hold or transmit customer funds.
SettlPay is in early access, onboarding its first operators now. Join the early-access list and we'll reach out with an invitation as we roll out.
No. Customers pay by card exactly as they do today — tap, dip, swipe, or digital wallet. Nothing changes at the point of sale.
Regulated, fully-reserved, dollar-denominated settlement assets issued by licensed U.S. institutions and backed 1:1 by cash and short-term U.S. treasuries. You always see dollars — only the speed changes.
No. It's a per-location setting. Standard bank settlement is always available, and you can switch anytime.
Established, PCI Level 1 certified acquiring partners handle all card processing end-to-end. SettlPay provides the software layer — onboarding, management, reporting, and settlement orchestration.
No. Funds are processed and held by licensed payment and settlement providers at every step. SettlPay is software.
Standard business verification — legal entity information, ownership details, and banking information. We'll confirm onboarding timelines with you during early access.
Join the early-access list and be first to settle when we launch.
Request early access Processing partner? Visit our Partners page →