Shoppex Payments

Accept card payments without your own Stripe or PayPal account.

With Shoppex Payments, you can accept Visa and Mastercard without opening a merchant account anywhere. You apply from your dashboard, and once you are approved, cards show up at checkout alongside whatever else you already accept.

It exists because the usual card options do not work for everyone. Stripe and PayPal decide who they will serve. Digital-goods stores get turned away or shut down often enough that “just use Stripe” is not advice. It is a gamble. Shoppex Payments is the card rail for stores that have no other card rail at all.

Cards only. Shoppex Payments does not replace your other gateways. Crypto, PayPal, Cash App and manual methods keep working exactly as before. This adds a card option next to them.

What it costs

One fee, no monthly minimum, no setup cost:

Per sale	10% + $0.50
Paid out in	USDC on the Ethereum network, to your wallet
Payout timing	5 days after a sale settles, batched on the next payout day
Minimum payout	$10 — smaller balances roll into the next cycle
Buyer pays	Nothing extra — the listed price is the final price
Refunds	Free
Disputes	$20 per dispute, charged when one is opened
Monthly / setup fees	None

The fee comes out of your payouts, not out of the buyer’s total. A $25 order stays$25 at checkout. You receive $22.00, which is$25 minus 10% minus $0.50.

This is a higher rate than a mainstream processor charges a low-risk store. That is deliberate: it is priced for the risk profile that gets digital-goods stores declined elsewhere. If you can get and keep a Stripe account, Stripe will usually be cheaper. If you want, run both. Buyers see whatever you enable.

Applying

1. Open Shoppex Payments

   It is in the sidebar under Money, and as a card in Settings → Payments.

2. Check your details

   The form arrives pre-filled from your shop profile — store name, website, business country, company name. Correct anything that is out of date. This is what gets reviewed.

3. Confirm what you sell

   Describe your products in a sentence, then confirm your store sells none of the prohibited categories below.

4. Submit

   You will see the decision on the same page. Most applications are decided immediately.

What you cannot sell

Shoppex Payments cannot be used for:

• Carding tools, hacking tools, and exploit kits
• Stolen accounts, credentials, and account dumps
• IPTV and other unauthorized streaming services
• Gambling, betting, and casino services
• Adult content and services
• Weapons, ammunition, and explosives
• Drugs, controlled substances, and related paraphernalia

You confirm this when you apply. Selling any of it after approval gets the account suspended and can put your payouts at risk. That is the same way it works with any other processor.

If your application is declined, you will see the reason on the page. A decline is not permanent: fix what was flagged (usually incomplete business details) and apply again.

After approval

The page turns into your card-payments dashboard: gross volume, order count, fees and net payout, plus the transaction and payout history underneath.

Two things happen automatically once you are approved:

• Cards appear at checkout. You can switch them off any time with the toggle on the page. The approval stays, so you can switch back on later without reapplying.
• Your statement descriptor is set. Buyers see SHOPPEX* followed by your store name on their card statement, so the charge is recognizable. You get fewer disputes from buyers who do not recognize it.

Checkout

Card payments open a secure checkout page on pay.shoppex.io — your logo, your brand color, your store name. The buyer enters card details there and comes straight back to your store.

The card form must live on the processor’s page, not inside your storefront. That separation keeps card numbers out of Shoppex’s systems and out of yours. It is also why you do not need PCI certification to accept cards this way.

Payouts

Payouts are paid in crypto — USDC on the Ethereum network, not by bank transfer. You need a wallet that can receive them. If you cannot accept crypto payouts, use a gateway that settles to your bank instead.

Buyers pay by card as normal. The conversion happens on the processor’s side. A sale becomes payable 5 days after it settles. Everything that has matured goes out together on the next scheduled payout day. You get one transfer covering several sales, rather than one per order.

The minimum payout is $10. A balance below that rolls into the next cycle instead of being sent. A small transfer on the Ethereum network costs more in network fees than it is worth. The processor covers those fees. They are never deducted from your payout.

Setting your payout wallet

Once your application is approved, a Payout wallet section appears on the Shoppex Payments page. Enter the Ethereum address that receives your USDC, and confirm it.

Use an address in a wallet you control, and copy it from your wallet rather than typing it. Crypto transfers cannot be reversed. Avoid exchange deposit addresses. Many exchanges reject deposits sent by a third party, and funds can end up stuck.

A newly saved address is held by the processor before it is paid to. It shows as awaiting partner approval at first, and payouts wait during that window. The same applies if you change the address later: it goes back to awaiting approval and that cycle’s payout is held. That is deliberate. It is what stops anyone quietly redirecting your money.

How long the hold takes is the processor’s call, not ours. If an address stays on hold for more than a few days, contact us and we will chase it.

You will find every payout, with its status and settlement period, on the Shoppex Payments page. The address itself lives with the processor. Shoppex passes it on and never uses it to move money.

Payouts here are separate from your other gateways. Stripe pays out through Stripe, PayPal through PayPal, and Shoppex Payments on its own schedule. There is no shared Shoppex balance. See Payouts.

Refunds and disputes

Refunds are issued from the order like any other payment, and cost nothing. The 10% + $0.50 on the original sale is not returned to you. That is the processing cost of the sale that happened.

Disputes, also called chargebacks, cost $20 each. The fee applies when a customer disputes a charge through their bank or payment provider. It lands when the dispute opens, not when it is decided. If the dispute is then resolved against you, the disputed amount goes back to the buyer on top of that fee. This is how chargebacks work on every card network.

Keeping disputes low matters more here than the fee: card networks monitor dispute rates per merchant, and a rate that stays high can cost you the account. The usual defenses work: recognizable descriptors, instant delivery, a working support address, and clear product descriptions. See Handling disputes.

The fine print

Shoppex Payments works through a Merchant of Record partner. For card payments only, that partner is the legal seller of the order: they process the payment, and the checkout page names them as the reseller and Merchant of Record for the transaction.

What that means for you in practice:

• Shoppex never holds your money. Payouts go from the processor to you directly. Shoppex is paid by the processor, not out of your balance.
• You still run your store. Products, pricing, customers, delivery and support stay yours.
• The buyer’s contract for that order is with the Merchant of Record. They handle payment-related inquiries and act as the seller of record for card orders.

Shoppex Payments is optional. Every other gateway, including your own Stripe account if you have one, keeps working unchanged, and you can turn cards off without losing your approval.