Shoppex Payments

Shoppex Payments lets you take Visa and Mastercard without opening a merchant account anywhere. You apply from your dashboard, and once you’re approved, cards show up at checkout alongside whatever else you already accept. It exists because the usual card options don’t work for everyone. Stripe and PayPal decide who they’ll serve, and digital-goods stores get turned away or shut down often enough that “just use Stripe” isn’t advice — it’s a gamble. Shoppex Payments is the card rail for stores that would otherwise have no card rail at all.

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What it costs

One fee, no monthly minimum, no setup cost: 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 ($25 − 10% − $0.50).

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Applying

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What you can’t sell

Shoppex Payments can’t 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 — the same way it would with any processor.

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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’re 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 and you get fewer “I don’t know this charge” disputes.

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Checkout

Card payments open a secure checkout page on pay.shoppex.io — your logo, your brand colour, your store name. The buyer enters card details there and comes straight back to your store. The card form has to live on the processor’s page rather than inside your storefront: that’s what keeps card numbers out of Shoppex’s systems and out of yours, and it’s why you don’t need PCI certification to accept cards this way.

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Payouts

Buyers pay by card as normal; the conversion happens on the processor’s side. Payouts run on a rolling schedule and reach you within three business days of a sale — the short cycle is part of the Shoppex partnership agreement, not a standard processing term. You’ll find every payout, with its status and settlement period, on the Shoppex Payments page. Your payout wallet is set up with the processor after approval; Shoppex never sees or stores it.

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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’s the processing cost of the sale that happened. Disputes (chargebacks) cost $20 each, applied when a customer disputes a charge through their bank or payment provider — so the fee lands when the dispute is opened, not when it’s decided. If the dispute is then resolved against you, the disputed amount goes back to the buyer on top of that fee, the way 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 defences work — recognizable descriptors, instant delivery, a working support address, and clear product descriptions. See Handling disputes.

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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 enquiries and act as the seller of record for card orders.