Merchant Accounts
Fast underwriting with multiple acquiring banks for domestic and cross-border acceptance.
Learn more
PCI DSS Level 1 · SOC 2 Type II
Global payments infrastructure for modern businesses
Accept cards, ACH and international payments, automate risk, and settle globally — all through one intelligent platform.
No setup fees
Live in 48 hours
24/7 human support
0%Platform uptime
0+Currencies
0+Countries
Trusted by 10,000+ businesses moving money globally
Get Started Today
Set up your account in 60 seconds.
Works with the networks your customers already trust
One Platform
Everything you need to move money
A complete payments stack — acceptance, settlement, risk and reporting — unified behind a single integration.
Why Bear Merchant
Why teams choose us
Built for scale, engineered for trust
- Fast merchant approvals
- Multiple acquiring banks
- Global payment support
- Intelligent risk management
- Chargeback reduction tooling
- Developer-first APIs
- PCI DSS Level 1 compliant
- Enterprise-grade security
- Dedicated account managers
- Transparent settlement
$0B+
Annualized volume processed
0%
Average authorization rate
0+
Countries supported
0+
Settlement currencies
24/7 human supportDedicated managers for scaling accounts
The Dashboard
One console for your entire payment operation
Monitor transactions, investigate fraud, reconcile settlements and resolve disputes — without switching tools.
Success
98.6%
Avg ticket
$142
Refund rate
1.2%
Latency
180ms
4/100Risk score
| Signal | Result |
|---|---|
| 3-D Secure 2.0 | Authenticated |
| Device fingerprint | Known good |
| Velocity check | Review |
| AVS / CVV match | Full match |
| Payout ID | Currency | Amount | Status |
|---|---|---|---|
| po_9f21a4 | USD | $248,120.00 | Paid |
| po_9f2205 | EUR | €96,450.00 | Paid |
| po_9f22bb | GBP | £54,200.00 | In transit |
| po_9f2310 | CAD | $120,900.00 | Pending |
| Case | Reason | Deadline | Status |
|---|---|---|---|
| dp_4410 | Fraud (10.4) | 6 days | Evidence sent |
| dp_4411 | Product not received | 3 days | Action needed |
| dp_4412 | Duplicate | — | Won |
| Merchant | MCC | Risk tier | Status |
|---|---|---|---|
| Northwind SaaS | 5734 | Standard | Active |
| Atlas Travel Co. | 4722 | Elevated | Active |
| Vitalis Health | 5912 | Elevated | Onboarding |
Getting Started
From application to processing in days
Four simple steps from sign-up to accepting live payments.
1
Step 01 / 04
Apply
Submit your business details and processing history through a short online application.
2
Step 02 / 04
Verification
Our underwriting team reviews KYC/KYB documents and assesses your risk profile.
3
Step 03 / 04
Approval
Receive your merchant account credentials and connect to the sandbox or live API.
4
Step 04 / 04
Start Processing
Go live, accept payments and watch settlements land through your dashboard.
Industries
Payment programs tailored to your vertical
From standard ecommerce to specialized categories such as research supply, our underwriting supports the way your business actually operates.
Also processing for supplements, wholesale, education, construction, digital products and more — see specialized underwriting.
Developers
Read the docs
A payments API developers actually enjoy
Clean REST endpoints, predictable objects, idempotent requests and webhooks for every event. Test everything in a full-featured sandbox before you ship.
REST APIs
Resource-oriented, JSON everywhere.
Webhooks
Signed, retried event delivery.
SDKs
Node, Python, PHP, Ruby & Go.
Sandbox
Simulate cards, ACH & disputes.
Authentication
Scoped keys & OAuth for platforms.
Documentation
Guides, references & recipes.
create-charge.sh
# Create a payment with a single request
curl https://api.bearmerchant.com/v1/charges \
-u "sk_live_•••••:" \
-d "amount"=4280 \
-d "currency"="usd" \
-d "source"="tok_visa" \
-d "capture"=true \
-d "description"="Order #10842"
# Response
{
"id": "ch_1Qf9aK2eZ",
"status": "succeeded",
"amount": 4280,
"risk_score": 4,
"network": "visa"
}
Global Reach
Local acceptance, worldwide settlement
Process where your customers are with local acquiring, then settle in the currency that suits your treasury.
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Currencies
0+
Countries
0+
Local acquirers
0%
Uptime SLA
Customer Stories
Trusted by finance and engineering teams
Illustrative examples using placeholder names and companies.
“Migrating to Bear Merchant cut our failed-payment rate by a third. The retry logic and network tokenization paid for themselves in a quarter.”
“We operate in a specialized category and had been declined elsewhere. Their underwriting team understood our model and got us live in under a week.”
“The API is genuinely clean. Our engineers integrated cards, ACH and webhooks in days, and the sandbox mirrored production perfectly.”
Ready when you are
Ready to Scale Your Payments?
Talk to our team about acceptance, risk and settlement — and see a live walkthrough of the platform.