Payop for digital goods

Global payments for digital goods

Sell gaming items, software, gift cards, and other digital goods globally with secure, instant payments.
Benefits
Global reach
500+ local and global payment methods
Human support
Get real help, not just ticket numbers
Fast onboarding
Quick setup — no paperwork, no delays
Quick
Instant Transfers
Let customers pay straight from their bank — no cards, no delays.
Get instant confirmation and deliver without waiting.
Details
Real-time confirmation
Real-time confirmation
Payments are verified instantly, reducing checkout friction.
Direct-to-bank payments
Direct-to-bank payments
Funds move straight from customer’s bank to yours, no intermediaries.
Always-on processing
Always-on processing
Receive payments even during unbanked hours, weekends, and holidays.
Secure
Avoid chargebacks
Open banking payments are reliable — no chargebacks, no fraud loops, no forced refunds.
Details
Chargeback-resistant by design
Chargeback-resistant by design
Strict bank authentication cuts chargebacks and reduces fraud.
SCA & PSD2 compliance
SCA & PSD2 compliance
Fully aligned with European regulations for secure payments.
Cleaner fraud profile
Cleaner fraud profile
Fewer disputes and fraud attempts build stronger trust.
Smart
Reduce Fees
Cut out expensive card networks. Keep more of what you earn with low-fee direct bank payments.
Details
No card network fees
No card network fees
Avoid costly intermediaries and keep more revenue.
Lower failed payment rates
Lower failed payment rates
Fewer declines mean higher conversion and smoother checkout.
Built for high-risk businesses
Built for high-risk businesses
Reliable payments even in industries underserved by traditional providers.
Testimonials

Trusted by 10,000+ digital businesses

01 — 06

"Everything, starting from the integration process, was very clear and direct. Good conversion, fewer failed transactions, effective support, assistance with chargeback handling – all processes are running smoothly."

02 — 06

"Onboarding went extra quick, with no unnecessary paperwork or repetitive requests. It genuinely feels like the team knows what they are doing and understands the specifics of our business are. That’s not something you see very often."

03 — 06

"We saw an immediate boost in successful transactions, especially for international customers."

04 — 06

"For a global business like ours, having one provider that covers so many countries is a huge advantage. And Payop clearly understands the markets we operate in. The payment methods they suggested actually convert."

05 — 06

"Easy set-up, great coverage and payment method list, especially considering the unified integration. Interface is easy to navigate, good reporting tool, and we also love the team-member access settings. Delegating tasks without compromising control has made our workflow much smoother."

06 — 06

"Since switching to Payop, our payment-related support tickets have dropped by nearly 40%. It's been a huge relief for our team."

quick setup

Get started in just 4 steps

95% of our customers are set up in under 2 business days.
1
Fill out a short pre-check form
Tell us about your business. No docs needed at this stage — just 5–7 minutes of your time.
2
Get your custom offer
We’ll send you competitive pricing and a contract tailored to your industry.
3
Pass verification
Submit basic documents to get approved. Our team will guide you through every step.
4
Integrate and go live
Use our API, plugins, or get direct help from us — whatever works best for you.
Frequently asked questions

Still have some questions?

What account types do you have, and what documents are required?

You can create and verify a business account for a company or an individual entrepreneur.

Once the pre-check application is approved, your account manager or sales manager will provide you with the required details needed to complete the verification.

Below, you can check the documents required for company and individual entrepreneur registration. 

For company:

  1. Certificate of Incorporation;
  2. Beneficiary’s passport and proof of residence address;
  3. Register of Directors;
  4. Passport and proof of residence for each Director;
  5. Register of Shareholders;
  6. Passport and proof of residence for each Shareholder;
  7. Certificate of Good Standing/Certificate of Incumbency/Extract from register/issued within three months (in case legal entity was registered more than two years ago);
  8. Memorandum & Articles of Association/Constitution/Statute/other statutory documents;
  9. If the project is Betting, Gambling, Crypto, Forex:
    1. Activity License;
    2. Payment Agent Agreement (if applicable).

For individual entrepreneurs:

  1. An official document from the state registration that shows you as a sole proprietor;
  2. Tax registration confirmation of a private entrepreneur;
  3. Passport (driver’s license/international passport/ID card);
  4. Proof of residence address.

Please remember that all the mentioned documents must be in English or with a certified translation. 

The proof of residence has to be issued within three months.

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What are the website requirements to get a merchant account?

To receive a merchant account and the ability to accept online payments, each website must meet certain criteria.

This includes the availability of:

1.The logos of the payment systems whose payments you will accept.

2.Contact us page.

3.Information about the company. The website must indicate the official name of the company, its address, and the country in which the merchant’s main business entity is registered. This information helps companies gain consumer confidence and must be indicated on the checkout or payment data entry pages.

4.Terms of delivery. When selling goods online, you must provide detailed information about the delivery time of the goods.

5.A detailed description of goods and services. Make sure the offered product matches the description on the website.

6.Privacy Policy, Return & Cancellation Policy.

7.SSL certificate.

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How can I find available payment methods?

There are two ways you can check the availability of payment methods for your project.

1) Go to the “Payment Methods” section of your admin panel and choose the project for which you want to check the enabled methods with the applied fees.

2) Make an API request for more details like payment method ID, type, and supported countries.

Get Available Payment Methods · Payop/payop-api-doc

Please be advised that there is a wide range of API testing tools (e.x. Postman, REST-assured, JMeter, Curl, etc.) to make API requests and receive information, you need to choose the most convenient for you.

Step-by-step video instruction: How to find available payment methods for application/project | Payop.

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What are the possible ways of integration?

There are two main options for integrating our solutions into your website: using API or CMS plugins (Woocommerce WordPress, Opencart, Lineage2).

To check the relevant information for each connection type, please refer to our Documentation.

If you have any questions or need assistance with integration, please contact our technical support via Tickets or at support@payop.com. Our team will help with your issue or guide you where to check the information.

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How can I test payment method integration and payment notifications?

Unfortunately, we currently do not have any sandbox or test environment. We hope these features will be available soon. 

To test your integration, you can make a live payment, indicating a minimum amount possible to receive a successful transaction or cancel the transaction when entering the payment details. In this case, you will receive a notification about the payment cancellation.

If a transaction is successful or failed, you should receive an IPN callback to the IPN URL, which has been indicated in the IPN section of the Payop admin panel. 

You can test your IPN URL using  Postman (or any other API testing environment).

To do so, we recommend you send a POST request indicating your IPN URL as an endpoint.

An empty JSON object or example IPN callback can be indicated in the request body to troubleshoot your IPN URL service. 

If you made a live payment, you can contact our support team via Tickets. They will resend an IPN callback and assist with troubleshooting your IPN URL service.

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