30+ Years Solving Payment Problems
For more than 30 years, we’ve helped tens of thousands of businesses navigate payment processing and find solutions that fit. We help you understand your options, prepare for the process, and connect with the right payment partners to support your business and its growth.
Payment Solutions for ALL
Get the Right Merchant Account for Your Business
Specialized Placements for:
- iGaming & Sweepstakes
- Private Jet Charter & Fuel
- Yacht Charter & Sales
- Trucking & Logistics
- Oil Field Services
- Industrial Chemical Sales
- Firearms & Tactical​
The AltirasPay Advantage
Our Payments Legacy
Over 100K
Merchants serviced
Nationwide
Sales-rep network managed
Every
Industry
coast to coast
Since 1996
In the payments industry
30 Years
GAMING AND SWEEPSTAKES
iGaming and sweepstakesÂ
Social games and sweepstakes require strict documentation. We help merchants navigate card network and bank rules so they understand the requirements and can bring their own operations into compliance before submission. Each merchant is placed with the acquiring bank and program best suited to their risk profile. Placement details are confirmed during onboarding.
Geo-gating and state-of-residence screening, fail-closed by design; Age and identity (KYC) verification at registration and before payout; Free alternative method of entry, of equal dignity, where required; Legal-opinion and third-party-certification ready; documentation mapped to every control.
ALTIRAS AVIATION SOLUTIONS
Payment Solutions Built for Aviation
From aircraft charters and fuel services to aircraft sales, we help aviation businesses accept payments with confidence.
Aviation payments often involve high-ticket transactions, advance deposits, international customers, fuel purchases, and complex fulfillment requirements. AltirasPay helps charter operators, aircraft dealers, fuel providers, maintenance companies, FBOs, and other aviation businesses find and implement appropriate card-present and card-not-present payment solutions.
Built for aviation. Structured for your business. Supported by experienced payment professionals.
specialized industry processing
We can help.
Yacht & Marine Payments
Six-figure tickets, charter deposits, brokerage escrows, and cross-border buyers put yacht businesses outside most processors' comfort zone. We package charter operators, brokers, dealers, and marinas for acquiring banks that understand large-ticket marine transactions. Card-not-present, wire-alternative, and deposit-heavy flows structured the way underwriters need to see them.
Logistics & Freight
Freight brokers, 3PLs, carriers, and shippers run high volume with big invoices, and most acquirers cap them long before the business does. We build merchant accounts sized for real logistics volume, with B2B Level 2/3 data optimization to cut interchange on commercial cards and fuel-card and invoicing flows handled cleanly. Fast setup, room to grow.
Built by Payment Professionals
Built by People Who've Been There.
AltirasPay is led by professionals with more than 30 years of hands-on industry experience. Throughout our careers, we have helped establish thousands of merchant accounts, supported multi-billion-dollar processing portfolios, and worked with businesses ranging from emerging startups to large enterprise merchants.
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Our experience spans the full payments ecosystem, including acquiring banks, processors, underwriters, ISOs, gateways, software platforms, sales organizations, and merchants. That perspective gives us a practical understanding of how accounts are evaluated, structured, approved, implemented, and supported.
Deep underwriting experience across traditional, specialty, and high-risk merchants.
Real seasoned professionals, who know payments.
We leverage three decades of battle-tested payment expertise to turn your most complex processing obstacles into seamless, high-performance financial victories.
Who We Are
TRADITIONAL PAYMENTS
Payments Processing Made simple
Accepting payments should be simple, reliable, and built around the way your business operates. AltirasPay helps traditional businesses find card-present and card-not-present payment solutions through our network of acquiring banks, payment processors, gateways, and technology partners.
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Whether you operate a retail store, professional service company, restaurant, office, mobile business, or e-commerce website, we help identify the right equipment, software, pricing structure, and processing setup for your needs. From the initial application and account setup to ongoing service and support, our team works to make payment processing easier to understand and easier to manage.
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OUR PROCESS
Onboarding through approval
What processors and banks are looking for all High Risk accounts.
01
PHASE 01
Merchant Documentation & KYC
Provide valid IDs, EIN verification, business documents, banking information, and all website links. We submit only the verified business owner and focus strictly on KYC, beneficial ownership, AML, and OFAC compliance to ensure a complete and transparent merchant file.
02
03
PHASE 02
PHASE 03
Owner Compliance Gating
Strict ownership, identity, AML, and sanctions screening is completed before the full underwriting review begins. All applicants must successfully clear the following verification protocol.
- MATCH Review: Any principal listed on the Terminated Merchant File must be disclosed.
- OFAC Protocols: No parties on the SDN list or tied to sanctioned regions are permitted.
- Identity Audit: All business owners must pass background checks; felony history is a disqualifier.
- KYC Standards: All Know Your Customer requirements set by the Bank must be fully met before an account can be considered.
- Compliance Gaps: Activity failing our AML standards or classified as unlawful under bank rules.
- Business Legitimacy: Inability to verify real ownership, banking history, or OFAC status.
- Ownership Risk: Undisclosed principals or non-verifiable business owner identities.
Pre-Underwriting Assessment
Our submission readiness review identifies strengths and gaps before your file is submitted to the acquiring bank's underwriting team.
04
05
06
PHASE 04
PHASE 05
PHASE 06
Compliance Review
Our pre-submission compliance review covers the website, product set, marketing, and operational model to identify issues the acquiring bank’s underwriting and compliance teams are likely to flag.
Execution of Agreements
Finalize settlement terms and rates. Sign the legal MPA to confirm the merchant partnership.
Technical Go-Live Support
Deployment of the gateway and confirmation of flow. Live processing starts within 24-48 hours of sign-off.
Underwriting and Compliance Terminology Guide
Industry terms to know
MATCH
Mastercard Alert to Control High-Risk Merchants. A database used by acquiring banks to identify merchants and principals previously terminated for certain risk or compliance reasons.
SDN
Specially Designated Nationals and Blocked Persons List. An OFAC-maintained list of sanctioned individuals, companies, and organizations prohibited from conducting business with U.S. persons.
AML
Anti-Money Laundering. Policies and procedures used to detect and prevent money laundering, fraud, terrorist financing, and other prohibited financial activity.
Identity Audit
Verification of each owner’s identity, address, ownership interest, background, and authority to act for the business. Criminal history is evaluated based on relevance.
Business Legitimacy
The ability to verify that the business is properly formed, active, controlled by disclosed owners, and connected to a valid bank account.
TMF
Terminated Merchant File. An older industry term commonly used to describe the MATCH database.
KYC
Know Your Customer. The process of verifying the identity, ownership, address, and legitimacy of a merchant and its beneficial owners.
Beneficial Owner
An individual who directly or indirectly owns or controls the business. Ownership thresholds and control requirements may vary by bank and regulations.
Sanctions Screening
A review of owners, businesses, counterparties, and operating regions against OFAC and other applicable sanctions and watchlists.
Ownership Risk
Risk created by undisclosed owners, nominee principals, unverifiable identities, or parties acting on behalf of the true owner.
OFAC
Office of Foreign Assets Control. The U.S. Treasury agency responsible for administering economic and trade sanctions.
KYB
Know Your Business. Verification of the business entity, formation records, EIN, operating address, products, services, and commercial activity.
Principal
An owner, controlling person, officer, director, guarantor, or other individual with significant authority over the business.
Compliance Gap
Missing, inconsistent, or prohibited information that prevents a merchant from meeting KYC, AML, legal, or bank underwriting requirements.
Adverse Action
A decision by an acquiring bank or processor not to approve a merchant based on risk, compliance, credit, or underwriting concerns.
Smart Merchant Support
Our agentic workflows help you prepare cleaner files and better messaging to banks. While final approval rests with underwriters, we make the path to submission faster and clearer.
Cleaner Bank Files
AI-assisted prep helps you build professional documentation for bank review in 24 hours.
Better Messaging
Use our AI tools to refine how your business model is presented to prospective banks.
Merchant-Facing AI
Access specialized agentic tools to improve your own daily operations and commerce speed.
Omnichannel Payments
Our processing partners support retail, e-commerce, cash discounts, and dual pricing programs, with solutions tailored to how your customers prefer to pay.
Mobile Wallets & EMV
Fully equipped for Apple Pay, Google Pay, and the latest encrypted chip technology.
Better Payments for Your retail Business
Traditional Merchants
Whether you're opening your first merchant account or looking for better service, pricing, technology, or support, we'll help you identify the right fit. We guide you through your options, explain how different programs work, and connect you with processing partners that match your business.
Processor-agnostic point-of-sale optionsÂ
Keep the software your team knows; we integrate with leading POS hardware effortlessly.
Recurring & E-Commerce
Advanced subscription management and secure virtual terminals for digital storefronts.
Competitive Low-Risk Rates
Stable, transparent pricing structures designed specifically for low-risk, high-volume merchants.
AI-Assisted Efficiency
Merchant file preparation is typically completed within 24–48 hours, with technical support provided throughout the process. Final underwriting timelines are determined by the acquiring bank and generally range from 7–10 business days.
In-Person Hardware
Terminals and POS for the counter, the floor, and the field
Choose the device that fits how you sell. Every unit ships EMV-ready with contactless, tap-to-pay, and encrypted card data out of the box.
Countertop Smart Terminals
Touchscreen all-in-one units with a built-in printer, Wi-Fi, Ethernet, and 4G backup for front desks or registers.
Card Readers & PIN Pads
Bluetooth and USB readers plus encrypted PIN pads that pair with your existing register, tablet, or POS system.
Wireless & Mobile Terminals
Handheld, battery-powered devices on Wi-Fi or cellular for line-busting, delivery, markets, and on-site service.
Unattended & Kiosk
Self-service and kiosk acceptance for vending, lockers, parking, and self-checkout with high-end encryption.
Smart POS Systems
Android-based registers with inventory, employees, tipping, and reporting for shops, restaurants, and larger floors.
Tap to Pay on Phone
Accept contactless cards and wallets directly on a compatible phone—no extra hardware, ready via our app and SDK.
Advanced Technology Partnerships
Payment technology
Access sophisticated APIs, tokenization, and integrated software through our network of vetted partners. We provide a single, unified gateway to manage your e-commerce, phone orders, and subscription billing seamlessly. Streamline your online, mobile, and scheduled payments using powerful settlement engines managed by our extensive network of leading domestic and international acquiring banks.
Gateway Logistics
AltirasPay facilitates placement and sales; all authorization and settlement technology is delivered via our robust network of third-party processing partners.
Virtual Terminal
Securely process phone and mail orders from any web browser using the dedicated tools within our partners' gateway platforms.
Hosted Checkout & Shopping Cart Tools
Quickly deploy secure checkout pages and shopping cart plugins via our tech partners.
Automated Recurring & Invoicing
Simplify recurring revenue with subscription tools, installment plans, and digital payment links provided by our network.
Secure Tokenization & Vaulting
Protect sensitive data and enable one-click checkouts using encrypted vault services through our processing providers.
Partner Developer APIs & Mobile SDK
Our software partners provide modern REST APIs and SDKs to embed payments into your app, while AltirasPay manages the complex underwriting and placement logistics for you.
Pricing & Software Programs
Maximize your net profit
Select the program that fits your business and state. We configure the device and gateway to keep disclosures compliant.
01
Cash Discount
Post a standard price and provide a discount to customers who pay with cash, applied automatically at the terminal.
02
Surcharge
Add a compliant credit-card surcharge within card-brand and state limits, disclosed clearly at the point of sale.
03
Dual Pricing
Display a card price and a cash price side by side so the customer chooses, while we handle all the math.
04
Service Fee
Apply a flat or percentage service fee where permitted for your category, configured to your specific rules.
05
Level 2 & 3 for B2B
Pass enhanced line-item data to qualify commercial and government cards for lower interchange rates.
06
Reporting Dashboard
Track deposits, batches, disputes, and trends across every terminal and gateway in one live dashboard view.
Partner with AltirasPay
Convert High Risk Accounts to Residuals
We help find acquiring solutions for merchants other providers cannot place.
For Banks
Broader footprint, same risk appetite. Vetted, fully documented merchants, legal opinions, geo-controls, and KYC/AML to place high risk accounts.
For Agents
Stop losing deals at underwriting. Nutra, Research Chemical Providers, and other high-risk categories welcome.
For ISOs
Full-spectrum back office. Low and high-risk under one roof. You sell, we handle the rest.
Why partners choose AltirasPay
Join our network for expert high-risk and traditional placement. Access multiple acquirers to suit every client risk profile. Benefit from AI-driven onboarding within 48 hours and comprehensive vertical-specific compliance support. Earn via transparent, reliable residual models backed by 30 years of industry leadership.
Send us the deal you couldn't place
Understand requirements for approval
We help high risk merchants navigate card network and bank requirements so they can submit complete files for bank and processor review.
Payment experts, not social media brokers
We are seasoned payment processing professionals, not social media brokers.
Anyone runs a clean low-risk account. Few get a hard business approved and stand behind it. We do both.
Designed for deals that require expert navigation.
Why AltirasPay
Traditional and high-risk, one roof
As a specialized sales agency, we route each traditional and high-risk merchant to the right acquiring partner.
We maintain relationships with multiple acquiring banks and payment providers for traditional payment processing, allowing us to recommend solutions that best fit a merchant's business model.
Direct bank relationships
AI-native operations
Our AI-native operations accelerate every submission by organizing files that meet what processing partners require. We assist merchants with reminders and informational resource to help them complete their files.
The team has helped place merchant accounts since 1996, across traditional and high-risk categories.
30 years in payments
Bring us the account everyone else declined.
Consult with a compliance and underwriting-prep specialist and access informational resources to help them.
Forward your files for an initial compliance review and preparation before submission to underwriting
Contact Us
HEADQUARTERS
Altiras Pay
2560 King Arthur Blvd Ste. 124
Lewisville, TX 75056
​P: 469.410.6020