Interactive demo

Watch a payment come to life

Pick a payment method, then scroll. We’ll build the entire transaction — from checkout all the way to settled funds — one step at a time.

Scroll to begin
Card payment
0%
CheckoutCustomer enters details
TokenizeEncrypt & vault
Risk scoreReal-time fraud check
Network authBank approval
SettledFunds deposited
checkout.bearmerchant.com
4242 4242 4242 4242
08 / 27
•••
Secured by Bear Merchant
Raw input4242 4242 4242 4242
Encrypted tokentok_1P9d7Kx8Xq2Za

Sensitive data never touches your servers — it’s tokenized and stored in a PCI DSS Level 1 vault.

08/100
Low risk — cleared to proceed
  • Device & IP reputation trusted
  • Address & CVV match
  • No velocity anomalies
VISA•••• 4242
Authorized
Auth code00 · Approved
Issuing bankChase ••••
3-D Secure Passed
Response time182 ms

Authorized in real time by the issuing bank over a secure network.

$0.00

Settled to your Bear Merchant account · funds available on schedule

That’s a payment, start to finish.

Every card, ACH and international transaction on Bear Merchant runs through this same secure, monitored pipeline — in milliseconds, not scroll seconds.

Get Started Explore the gateway