Route transactions through our processor network. Transparent fees. Rolling reserve management. Real-time dashboard. One simple API.
Built from the ground up for high-risk verticals. No surprises, no hidden fees, no sudden account closures.
Automatic round-robin routing across Stripe, Nexapay, Sanctus Pay, PayRio, CorePay and more. Maximize approval rates and minimize downtime.
Configurable rolling reserve held 180 days. Track every dollar held, scheduled for release, and applied to chargebacks in your dashboard.
One API call to charge a customer. Live and test mode keys. Webhook delivery on every event. Integrate in minutes.
Live volume, fees, reserves, and net settlement breakdowns. Drill into any transaction. Export your data anytime.
Automated dispute management with reserve application. Submit evidence directly from your dashboard. Win more chargebacks.
Drop a payment link in your email or use our hosted checkout page. Zero PCI scope for your servers. Works out of the box.
Apply for an account, get approved, generate your API keys, and start processing — no complex setup required.
Submit your application. Our team reviews it within 1–2 business days. You'll receive email confirmation once approved.
Log into your dashboard, create a live or test API key in seconds. Your secret is shown once — store it safely.
Make a single POST request to /v1/charge. NifyNow handles routing, fees, reserves, and webhooks automatically.
Your processing fee and reserve rate are set at account creation. You see every dollar in your dashboard before settlement.
A rolling reserve protects against chargebacks. We hold a percentage of each transaction for 180 days, then release it to your settlement balance. You see every dollar — when it was held and when it releases.
Customer charges $99. Fee (3.9%) and reserve (10%) are calculated and split instantly.
$9.90 reserve is logged with a scheduled release date 180 days out. Visible in your dashboard immediately.
$85.24 net is added to your settlement balance after fee and reserve deductions.
Your $9.90 reserve is released to your balance automatically — unless applied to a chargeback during the hold period.
Apply for your merchant account today. Approved accounts typically go live within 1–2 business days.