Merchant accounts that feel modern.
A bank-underwritten merchant account and gateway foundation with a simple, supported setup. Clearer costs, fewer surprises, and a payments stack you can keep as you grow, or run alongside what you already use.
Approval and pricing depend on your business model and processing profile.
Payments shouldn't be a single point of failure.
When everything runs through one provider, you inherit their risk model, their pricing model, and their limits. That's fine until it isn't.
The frustrating part is it's rarely explained clearly, and switching usually feels like a rebuild. Meanwhile the risk sits in the place you can't afford it: payouts, margin, and continuity.
It usually shows up as:
- • Unexpected holds and reserves that disrupt cash flow
- • Pricing you can't sanity-check because true costs are bundled
- • Lock-in that makes switching a rebuild, not a change
Spiffy Payments reduces payments risk without adding payments complexity:
You get an underwritten merchant account, a gateway foundation, and a human who owns the setup end-to-end.
- • Predictable operations with clear expectations on underwriting, payouts, and review triggers
- • Pricing you can sanity-check with transparent breakdowns, not blended mystery numbers
- • Portability when you need it — a gateway foundation designed for compatibility, not lock-in
Make payments boring again, for the right reasons.
A properly underwritten merchant account, a gateway foundation designed for long-term use, and a human who owns setup and support. Boring day-to-day, even when you're scaling or switching.
Predictable operations
Clear expectations on underwriting, payouts, and what triggers review.
Know what underwriting needs upfront — fewer surprises halfway through
Clear expectations on payouts, disputes, and review triggers
Pricing you can reason about
A transparent breakdown of costs and fees, not a blended mystery number.
Transparent breakdown of costs + our fees
A comparison that shows what's driving your costs
A setup you can take with you
A gateway foundation designed for compatibility, not lock-in.
Built on a widely compatible gateway foundation
Evolve processors/devices/integrations without rebuilding everything
We'll do a quick fit check first. If it's worth pursuing, we'll walk you through the cost drivers. Final approval and pricing come from underwriting.
Find your fit
A great fit if you:
- Process $5,000+ monthly
- Want transparent, cost-based pricing instead of flat-rate padding
- Want a dedicated payment specialist
- Are fine with a bank underwriting process
- Need something more flexible than plug-and-play processors
Probably not a fit if you:
- You need to be live within 24 hours
- You process under $5,000/month
- You want a one-click approval with no underwriting
- You prefer a one-click, self-serve setup over a supported one
- You're not comfortable with a bank underwriting process
How it works
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1
You send us the basics
Share your business info through our simple form.
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2
We confirm fit and book a quick call
We'll confirm it's a fit, then book a short call to collect the extra details underwriting needs.
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3
Underwriting for approval + final pricing
We'll connect you with underwriting for approval and final rates, and guide you through what's needed and why.
We'll aim to make the transition as painless as possible, including running alongside your current setup during a changeover where it makes sense.
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4
You go live with support through launch
We're with you through launch, and can run in parallel during a transition where it makes sense.
Start a fit check
Tell us your volume, industry, and website. We'll confirm fit, then book a quick call to gather the details needed for approval and final pricing.
Got it. We've received your details.
We'll review your information and confirm if we're a good fit. If we are, we'll book a quick call to gather what underwriting needs for approval and final pricing.
What happens next:
- • We'll review your details within 24 hours
- • If it's a fit, we'll email you to book a call
- • We'll walk through underwriting requirements together
What happens next
We review your details and confirm fit
We book a quick call to gather underwriting info
Underwriting provides final approval + pricing
If we can't improve your effective rate, we'll tell you. If we can, we'll show you exactly what's driving the difference.
FAQ
Where do you operate?
US and Canada today. More regions are coming.
Do I need to switch everything at once?
No. We can plan a clean transition, or run alongside what you have while you move over.
How technical is the integration?
Designed to be straightforward. If you have subscriptions, in-person, or something more complex, we'll scope it clearly upfront.
What happens after I submit the form?
We review fit, then book a quick call to gather the details needed for approval and final pricing.
Do I get a rate immediately?
No. We start with a quick fit check, then collect what underwriting needs for approval and final pricing. We'll be upfront about timelines from the first reply.