Accept
Cards, ACH, wallets and local methods across 135+ currencies, with smart routing behind one API.
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About Us
Payments infrastructure for modern businesses
We build the acceptance, risk and settlement rails that let ambitious companies move money globally — including the businesses others turn away.
Our Story
Built by operators who lived the pain
Bear Merchant started from a simple frustration: payments infrastructure was either powerful but inaccessible, or easy but inflexible — and businesses in specialized industries were routinely declined or frozen without warning.
We set out to combine the developer experience of a modern platform with the underwriting depth of a specialist. Today we help businesses across dozens of industries accept cards, ACH and international payments, manage risk, and scale with confidence.
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Our Values
What we optimize for
Trust by default
Security and compliance are foundations, not features. We protect merchants and their customers at every layer.
Merchant-first
We say yes where others say no, and we design pricing and terms to be transparent and fair.
Engineering excellence
Clean APIs, reliable infrastructure and thoughtful defaults that make the hard parts disappear.
Long-term partnership
We win when our merchants grow. Stability and support matter more than short-term fees.
Our Journey
From a single integration to a global platform
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1
The problem
Founded by payments operators who watched good businesses get declined or frozen for sitting in the wrong category.
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2
First acquiring partners
Direct relationships with multiple acquiring banks meant we could underwrite on the merits of a business, not its MCC.
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3
The platform
Card, ACH, recurring billing and international acceptance brought behind one API and one dashboard.
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4
Risk built in
Machine-learning scoring, 3-D Secure 2.0 and automated dispute evidence moved from add-ons to defaults.
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5
Global reach
40+ countries and 135+ currencies, with local acquiring and automatic FX where it matters.
What We Do
One platform, end to end
Acceptance, risk and settlement in a single integration — so you aren’t stitching four vendors together.
Who We Serve
Specialists, not generalists
Most processors are built for one shape of business. We underwrite across very different risk profiles — from subscription software to travel to specialized research supply — because the banking relationships and the risk tooling behind the platform were designed for that spread.
- Underwriting that reads the business, not just the category
- Multiple acquiring banks for redundancy and approval odds
- Transparent pricing with no surprise reserves
How We Work
Support that stays after go-live
Onboarding is the start of the relationship, not the end of it.
A named specialist
You get a person who knows your account — not a queue and a ticket number.
Fast underwriting
Standard-risk approvals typically in 24–72 hours, with clear reasons if we need more.
Help when it matters
Dispute deadlines and settlement questions don’t wait, so neither do we.
Docs that answer
Guides, references and a full sandbox so your engineers aren’t blocked on us.
Security & Compliance
Enterprise-grade by design
Money movement demands the highest standards. We operate to enterprise security and compliance benchmarks so you can build and scale with confidence.
PCI DSS Level 1
The highest card-data security standard.
SOC 2 Type II
Audited controls for security & availability.
3-D Secure 2.0
Strong customer authentication support.
GDPR Ready
Privacy-first data handling.
PCI DSS L1
SOC 2
3DS 2.0
GDPR
Encryption at rest
24/7 monitoring
Let's build the future of payments together
Whether you're a merchant, developer or partner, we'd love to talk.