Welcome to Spear Payments | Global Payments
The Smart Way for Online Payment Solution.
When it comes to choosing a brand, trust is of utmost importance. You want a brand that you can rely on and feel confident in. We understand the significance of trust and have made it our mission to build a brand that you can truly believe in. With years of experience and a commitment to quality, we have established ourselves as a brand you can trust.
Ecommerce
Seamlessly integrate with ecommerce platforms to provide customers with a smooth and hassle-free checkout experience.
Invoicing
Create, send, and manage invoices effortlessly while enabling customers to make secure payments with multiple options
Ticket & Event
SpearPayments provides secure and efficient payment solutions for ticketing and event businesses.
Real People. Real Relationships.
About Us
Integrate your shopping cart in a matter of minutes.
Featured
Smart Solution for Your Payment
Payment Methods
SpearPayments offers a variety of secure and seamless payment methods, including credit/debit cards, digital wallets, bank transfers, and alternative payment solutions.
Subscriptions
SpearPayments provides a flexible subscription management system, enabling businesses to automate recurring payments seamlessly.
Split Payments
SpearPayments' Split Payments feature allows businesses to divide transactions between multiple recipients effortlessly.
Request a Payment
SpearPayments enables businesses to easily request payments from customers through secure, customizable payment links.
Onsite Payments
SpearPayments offers secure and efficient onsite payment solutions, enabling businesses to accept payments in person via POS systems, mobile terminals, and contactless options.
Secure Transactions
SpearPayments prioritizes security with advanced encryption, fraud detection, and compliance measures to ensure safe and reliable transactions.
e-Wallet
SpearPayments' e-Wallet solution provides a secure and convenient way for users to store, manage, and transact digitally.
Ecommerce Integrations
SpearPayments seamlessly integrates with leading ecommerce platforms, enabling businesses to accept secure online payments effortlessly.
Mobile Support
SpearPayments ensures a seamless payment experience on mobile devices with responsive design, mobile-friendly checkouts, and dedicated app integrations.
Leading, Trusted. Enabling growth.
Expand your business with international payment acceptance.
Testimonial
What They Say About Us.
Frequently Ask Questions
A high-risk merchant account is a specialized payment processing account designed for businesses that operate in industries with elevated risk factors such as chargebacks, regulatory scrutiny, or reputational concerns.
Factors may include industry type (e.g., crypto, forex, gaming), high chargeback ratios, processing large volumes, subscription models, or operating in regulated jurisdictions.
Examples include forex trading, gaming, adult entertainment, nutraceuticals, CBD, dating, crypto, travel,Online pharmacy and multi-level marketing.
Yes, but approval depends on your business model, documentation, compliance standards, and risk level.
Approval typically takes 2 to 3 business days, depending on documentation and due diligence requirements.
Usually, a valid business license, proof of domain ownership, passport/ID, bank statements, processing history, and company incorporation documents.
Yes, but more detailed due diligence may be required, and terms might be more conservative initially.
No there is not requirement for minimum volume, however keeping the account idle for too long can lead to termination of merchant account
Yes, but you’ll need to disclose why you were declined and address any previous issues.
Yes, international businesses are accepted depending on jurisdiction and risk profile.
We support credit/debit cards (Visa, MasterCard), SEPA/SWIFT bank transfers, e-wallets, and cryptocurrencies like BTC, ETH, and USDT.
Yes, global processing is available in multiple currencies with dynamic currency conversion.
Yes, we support Apple Pay, Google Pay, and other mobile payment integrations decided on a case to case basis subject to approval
Yes, we offer on-ramp and off-ramp services for seamless crypto and fiat conversions.
Yes, we maintain full PCI DSS compliance to ensure cardholder data is protected.
We use AI-driven fraud detection, 3D Secure, transaction scoring, and chargeback alerts.
Yes, 3D Secure is available to reduce fraud and liability on card transactions.
All merchants and users go through comprehensive KYC and AML screening in accordance with EU and global regulations.
Yes, all sensitive data is encrypted and stored on secure, compliant servers.
A rolling reserve is a percentage of your funds held for a set period (e.g., 5-10% for 180 days) to cover chargebacks or disputes.
Payouts can be daily, weekly, or bi-weekly depending on your agreement and risk profile.
Limits are defined during onboarding and based on your business model and financials but can be increased over time.
Yes, merchants have access to a real-time dashboard with transaction reports, analytics, and chargeback status.
Yes, high-risk merchants receive priority support and a dedicated account manager.
Fees vary based on industry and volume but typically range from 3.5% to 7% per transaction.
Some accounts may include setup or monthly maintenance fees, disclosed transparently during onboarding.
No, all fees (transactional, settlement, chargeback) are clearly outlined in your merchant agreement.
Crypto rates are based on live market data (e.g., Binance average) with a small conversion margin applied.
Yes, we provide API documentation, plugin support, and integration assistance at no extra cost.
