Core product · Developer-grade

A payment gateway built for high-risk.

Tokenisation, 3-D Secure 2 and PCI DSS Level 1 security, wrapped in clean REST APIs and hosted fields. Process across multiple acquirers from a single integration, without rebuilding when an account changes.

Live
api.epayclub.com
POST /v1/charges
{
"amount": 24900,
"currency": "EUR",
"source": "tok_3ds2",
"route": "smart"
}
// 200 OK · 0.9s
"status": "approved",
"acquirer": "eu_acq_a"
99.99%
Gateway uptime SLA
<200ms
Median auth latency
3-DS2
Built-in SCA
PCIL1
Highest security tier
Capabilities

Everything a high-risk gateway needs.

One integration covers every payment primitive, secured, tokenised and routable.

PCI DSS Level 1 & tokenisation

Hosted fields and a secure vault keep card data off your servers and shrink your PCI scope.

3-D Secure 2 & SCA

Frictionless authentication and exemption handling to lift acceptance while staying compliant.

Smart routing built in

Route and cascade across acquirers by BIN, geography, cost and risk, with no extra integration.

REST APIs & webhooks

Clean, documented APIs, idempotency keys and real-time webhooks your engineers will enjoy working with.

Recurring & tokenised billing

Network tokens, account updater and flexible subscription primitives for continuity merchants.

Unified reporting

Every transaction, across every acquirer, in one consistent data model and export.

Smart routing

One integration. Every acquirer. Higher acceptance.

The gateway and orchestration engine are one system. Add or switch acquirers without touching your checkout, and let declines cascade automatically to a backup.

  • Add acquirers without code changes
  • Automatic decline cascading
  • Tokens portable across acquirers
How orchestration works

Gateway questions.

A specialist can answer anything else within one business day.

Get a quote
A high-risk payment gateway is the technology that securely captures, tokenises and routes card payments for businesses in high-risk verticals. ePayClub's gateway is PCI DSS Level 1 certified and supports 3-D Secure 2, smart routing and developer APIs.
In many cases, yes. ePayClub's gateway can connect to acquirers you already hold, or to acquirers we place you with, giving you one integration across multiple processing relationships.
Yes. The gateway is PCI DSS Level 1, the highest level. Using hosted fields and tokenisation significantly reduces your own PCI scope.
Yes. Full API documentation lives on our developer docs, with a sandbox environment, test cards and webhooks so your team can integrate before going live.

Build on a gateway that says yes.

Get API access and a specialist to scope your integration, usually within one business day.

Get startedSpeak to our team