Digital goods

Digital goods payment processing.

Card acceptance for businesses selling digital products, credits and access.

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Digital goods

What Paystrax covers

Visa
Available
Mastercard
Available
One-time purchases
In scope
Credits & tokens
In scope
Access packages
In scope
Processing currencies
140+
Settlement
Weekly T+3faster case by case
Shop plugins
Shopify · WooCommerce

Requirements differ by product type. Tell us what you sell and we will tell you which conditions apply before you spend time on an application.

Scope

What this covers.

  • One-time digital purchases: vouchers, skins, game keys, top-ups
  • Credits and token packs
  • Access packages and educational material
  • Translation services, PDF tools, content templates, AI-generated content

Underwriting

What gets looked at.

Stated plainly, so you can judge your own position before you spend time on an application.

  • How the product is delivered, and how quickly after purchase.
  • Your chargeback, fraud and refund ratios.
  • Your processing history. Requirements differ by product type, and we will tell you which applies to you.
  • How clearly the purchase, its scope and its expiry appear at checkout.

Requirements differ by business model within this sector. We set out what we know applies to you before you apply, so you do not discover it in week three. Terms, including any reserve, are set by Paystrax in its commercial proposal.

Process

How it runs.

  1. 01

    Apply for pre-approval

    Ten minutes. You answer the questions Paystrax asks at pre-approval, and you get our own read on your profile straight away. It is our assessment, not a Paystrax decision.

  2. 02

    We review your profile

    Our team reviews your answers and tells you where the file looks weak and what would strengthen it. When you are ready, your application goes forward for pre-approval.

  3. 03

    Paystrax pre-assesses

    Paystrax's team performs an initial assessment of your application. Paystrax publishes no timing for this step, so we do not promise one.

  4. 04

    Commercial proposal

    If you are pre-approved, Paystrax sends its commercial proposal and any conditions. This is where pricing and the requirements for your business are set out.

  5. 05

    Onboarding with Paystrax

    A Paystrax account manager takes you through the merchant application. Paystrax issues inactive merchant IDs and a test gateway, you provide your documents, and you go live once the account is activated. A complete application is reviewed within three business days.

See where your digital goods business stands.

Ten minutes, and you get our read on your profile straight away. No credit check, no obligation.

Apply now

No account, no credit check, no obligation.