Keep your current provider.
Add another Visa / Mastercard
payment route.
- No setup fee
- No monthly fee
- Processing fee from 5.2%*
- Works alongside your current provider
* The processing fee for high-risk products is 10%–13%.
RazPay extends credit card payments to products and services that typical payment providers find difficult to support. If you pass review, you can hold a RazPay payment account with no setup fee and no monthly fee.
Card network* Merchant review is required. Approval is not guaranteed and service may be unavailable depending on the review result.
Designed for businesses that need another path.
- Adult
- Digital Content
- High-ticket
- Continuity
- World Business
Turn the card sales you’ve been missing
into new revenue.
“Card payments aren’t available for this one product.”
“We were turned down for card payments because of our business or products.”
“We can only offer payment methods other than cards.”
“We want a second payment route alongside our current provider.”
RazPay accepts merchant applications even in cases like these.
No need to change
your current payment provider.
RazPay doesn’t replace your current payment setup.
Keep using your existing provider and add RazPay as an additional card payment route.
Processing fees start from 5.2%.
You can also secure an account first
and use it when you need it.
It can also serve as an additional payment option in case card payments are restricted or suspended, or certain products are limited.
Adult and high-risk businesses
can apply for review.
RazPay accepts applications from businesses and products that typical payment providers find difficult to support — including adult, digital content and high-ticket goods and services. You can apply even if another provider has declined you for card payments.
Applications accepted from adult and high-risk businesses
Explore card payment options, even for business categories other providers found difficult to support.
- Adult / Digital content
- High-ticket, intangible and continuity services
- Other high-risk categories reviewed individually
Customers purchase seamlessly by credit card
Purchase an equivalent-value NFT and exchange it directly for goods or services.
- Pay with Visa / Mastercard
- Purchase an NFT equivalent in value to the offering
- Exchange the NFT for goods or services in real time
English and Japanese staff support
From pre-application questions and review documents to setup and live operations, our team supports you by email in English and Japanese.
- Pre-onboarding consultation
- Review and setup support
- Ongoing operational support
Choose an integration
that fits your business.
Choose the method that fits your current sales process and systems. After you apply, our staff support you in English and Japanese from review through setup and launch.
Your order from XXX STREAMING
Thank you for your order. Please complete your payment with the button below.
Illustration. Names and amounts are examples.
Purchase by credit card.
Exchange your NFT for goods or services in real time.
Simple steps for customers. A new credit card payment option for merchants.
Digital Content Premium
Annual premium plan with 4K videos and exclusive content.
- Payment completedYour payment is complete. The order completes when you confirm receipt.
- NFT voucher issuedUsable for the content you purchased.
- Content deliveredThe merchant delivers your content.
- Receipt confirmedConfirming receipt completes the order and makes the payment eligible for settlement to the merchant.
Digital Content Premium
Confirm that you received your content to complete the order. Your payment of MYR 20,700.00 has already been made.
Specific NFT issuance, transfer and exchange terms, eligible jurisdictions, and compliance with applicable laws and card-network rules are subject to merchant review and contractual terms.
Integrate with a RESTful API.
Create payments from your server and report fulfillment. The sale is finalized when the customer confirms receipt. Payments are processed in MYR and settled in BTC.
- JSON over HTTPS
- Idempotency-Key on every POST
- Signed webhooks for status changes
- API keys issued in your merchant console
View the endpoint list (for developers)
/v1/paymentsCreate a payment/v1/payments/{id}Retrieve a payment/v1/payments/{id}/fulfillReport fulfillment/v1/transactions/{id}Retrieve the transaction status (paid / awaiting settlement / settled)/v1/payment-linksCreate a payment link/v1/settlementsList your settlement statementsAPI v1 specification preview. The base URL, API keys and final specification are provided with your merchant account. Examples use the reserved domain api.razpay.example.
Run your sales from one console.
See sales in MYR, transactions waiting for receipt confirmation and your BTC settlement schedule in one place.
- Dashboard
- Transactions
- Payment Link
- Products
- Invoices
- Settlements
- API keys
Month-end closing → end of following month
Sales and fees are totalled in MYR, and the BTC amount is fixed at the settlement rate.Screens show sample data.
Start with an application for review.
First, please apply for review.
We explain eligibility, required documents and integration options.
Review the terms offered after screening before deciding whether to proceed.
Online application
Provide company, business, product and sales-site information.
Document verification
Identity/company verification, product materials and sales terms may be required.
Merchant review
Industry, sales model and risk-control operations are reviewed individually.
Terms offered
We provide the review result, processing fee and required conditions.
Account issued
Complete setup and testing, then begin accepting payments.
Fees & settlement
Processing fees start from 5.2% (10%–13% for high-risk products). Risk varies materially by category and sales model, so your rate is quoted individually after merchant review.
High-risk friendly does not mean
no review.
RazPay is not a “no-screening” or “guaranteed approval” service. Illegal, unlicensed or rights-infringing businesses are not eligible.
- Review of business, sales site and products/services
- Review of refund, cancellation and age-verification controls
- Additional documents or remediation may be requested
Frequently asked questions
Are there setup or monthly fees?
No. There is no setup fee and no monthly fee. Processing fees start from 5.2% (10%–13% for high-risk products) and are quoted individually after review.
Can I use RazPay alongside my current payment provider?
Yes. You don’t need to change your current provider — RazPay can be added as an additional card payment route.
Can adult and high-risk businesses apply?
Yes. Applications are accepted for review. Each application is assessed individually based on the category, offering and business operations.
How do customers purchase and exchange an NFT?
Customers choose goods or services and purchase an equivalent-value NFT by credit card. The NFT is then exchanged for the selected goods or services in real time.
What are the payment and settlement currencies?
Payments are processed in MYR (Malaysian ringgit). Merchant settlement is paid in BTC. Amounts in yen and US dollars on this site are shown for reference only.
What is the settlement cycle?
Month-end closing → end of following month. Timing may vary based on contract terms and banking days.
Is approval guaranteed when I apply?
No. Applications are subject to individual review; approval is not guaranteed. We assess legality, sales practices, website disclosures, refund and cancellation policies, and operating controls.
Can I apply without a website?
You may contact us if you have materials explaining your business. A compliant sales page and required disclosures may be requested before you go live.
What is the processing fee?
From 5.2% (10%–13% for high-risk products). Your rate depends on category, product, average ticket, processing volume, sales geography, chargeback risk and other factors, and is quoted after review.
No setup fee. No monthly fee.
Add one more payment route
you can actually use.
For businesses that already accept cards and those that can’t yet. Start by applying for RazPay merchant review.
Passing review does not create any setup or monthly fee. Processing fees start from 5.2% (10%–13% for high-risk products). We review your business and products, then tell you individually whether you can use RazPay and the applicable terms and fee.
Contact RazPay
Choose the route that matches your inquiry.