Payment Gateway

One gateway for every way your customers pay

Accept cards, wallets and alternative payment methods through a single API — with tokenization, smart routing and 3-D Secure built in.

Get Started Talk to Sales
checkout.js
const pay = await bm.charges.create({
  amount: 4280,
  currency: "usd",
  payment_method: "pm_card",
  three_d_secure: "automatic"
});
// pay.status → "succeeded"
Wait Time: 1 Minute Available: 8 Agents

Get Started Today

Set up your account in 60 seconds.

Features

Everything a modern checkout needs

Conversion-focused acceptance with enterprise controls.

Drop-in elements

Prebuilt, customizable UI components that are PCI-friendly and mobile-first.

Smart routing

Route transactions across acquirers to lift authorization rates and cut cost.

Tokenization

Vault cards as tokens for one-click checkout and recurring charges.

3-D Secure 2.0

Frictionless authentication with liability shift on eligible payments.

Automatic retries

Intelligent retry logic recovers soft declines without customer friction.

Payment links

Generate hosted, no-code links to get paid without building a page.

Overview

A single integration for global acceptance

Your gateway is the front door to every sale. Fragmented integrations, poor authorization rates and clumsy checkout flows quietly cost revenue on every transaction.

Bear Merchant unifies cards, wallets and alternative methods behind one resource-oriented API. Tokenization, network tokens, retries and authentication are handled for you, so your team ships checkout once and improves conversion continuously.

At a glance

  • Cards, wallets & local methods
  • Drop-in elements or hosted checkout
  • Network tokenization & account updater
  • Idempotent, well-documented API
  • 3-D Secure 2.0 & SCA ready
How It Works

Integrate once, improve forever

01

Get keys

Grab sandbox API keys and install an SDK for your stack.

02

Build checkout

Drop in elements or redirect to hosted checkout.

03

Test

Simulate cards, wallets, 3-D Secure and declines in the sandbox.

04

Go live

Swap to live keys and start optimizing authorization rates.

Integrations

Drop into the stack you already run

Prebuilt plugins for the major carts, plus server SDKs when you want full control of the checkout.

Shopify WooCommerce Magento BigCommerce Salesforce Commerce SAP Commerce PHP SDK Node SDK Python SDK Apple Pay Google Pay Click to Pay

Not on the list? The REST API and webhooks cover anything a plugin does.

Benefits

Lift conversion, cut integration cost

Higher authorization rates

Network tokens, retries and routing recover otherwise-lost sales.

Faster to build

One clean API replaces multiple brittle processor integrations.

Optimized for mobile

Wallets and responsive elements reduce checkout abandonment.

Ready for new markets

Add local payment methods without re-architecting checkout.

Results that compound

0%
Avg auth rate
0ms
Median API latency
0+
SDK languages
0
Checkout options
Who It's For

Built for teams that live and die by conversion

Ecommerce

Stores that need a fast, trustworthy, high-converting checkout.

SaaS platforms

Products embedding payments for their own customers.

Digital goods

Businesses selling downloads, credits or virtual items.

Marketplaces

Platforms that split payments across multiple sellers.

Global sellers

Merchants adding local methods to enter new markets.

Fast-scaling startups

Teams that want to ship checkout once and iterate.

FAQ

Frequently asked questions

A payment gateway securely captures and transmits transaction data between your customer, the card networks and your acquiring bank. Bear Merchant's gateway handles authorization, capture, tokenization and settlement through a single integration.

Major card networks (Visa, Mastercard, American Express, Discover), digital wallets (Apple Pay, Google Pay) and a growing set of alternative and local payment methods.

Yes. You can embed our drop-in elements, redirect to a hosted checkout, or share no-code payment links — all PCI-friendly.

When you have multiple acquirers, the gateway can route each transaction to maximize authorization rates and minimize cost, with automatic failover on soft declines.

Yes. We support 3-D Secure 2.0 for frictionless authentication and liability shift on eligible transactions.

Yes. Cards are tokenized on capture so you can support one-click checkout, recurring billing and account updater without touching raw card data.

Ship a better checkout

Get sandbox keys and integrate cards, wallets and 3-D Secure in a single afternoon.

Get API Keys Explore the API