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Approval in 48 hours · No setup fees · No holds — ever
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PayLivo accepts every business, tolerates up to 5% chargebacks, and operates under a strict No-Hold policy. Your funds flow — always, on schedule, guaranteed.
Other gateways blacklist industries, freeze funds without notice, and terminate accounts overnight. We built PayLivo to be the opposite on every dimension.
No industry blacklists. Nutraceuticals, adult, crypto, travel, gaming, firearms — all welcome.
Industry standard is 1%. We give you 5× the breathing room with no termination threat.
Notified the moment a dispute opens — before it becomes a formal chargeback on your ratio.
Native subscription billing — retry logic, dunning, proration, and flexible cycles built in.
We never hold your funds. No rolling reserve. No freezes. Written into your contract.
Full visibility into every transaction, dispute, and payout from any device, any time.
Not for 24 hours. Not for 7 days. Not ever. No rolling reserve. No risk reserve. No exceptions. This is our founding principle — guaranteed in every merchant agreement we sign.
No long queues. No back-and-forth. High-risk is our specialty — we move fast so you can too.
Fill out our form in minutes. Any industry, any history. Tell us about your business — we mean any business.
Our risk team reviews within 24 hours. You get a real answer — not an automated rejection — fast.
Get your API keys and credentials. Clean docs, simple integration. Start processing the same day.
Funds settle on your agreed schedule. No holds, no surprises. Your money, your timeline — forever.
Plug PayLivo into the platform you're already running. No migration, no rebuild, no headaches.
Don't see your platform? Our REST API connects to anything. Talk to us →
A clean REST API, detailed docs, and SDKs for every major language. One endpoint to charge, one to refund, one to subscribe. That's it.
Real merchants. Real results. Real funds — never held.
After Stripe terminated us with zero warning and held $80k for 6 months, PayLivo approved us in 36 hours. They've never held a single dollar since. I can't overstate what that means for our cash flow.
Read their full story →Three processors dropped us in 18 months for chargebacks. PayLivo not only accepted us — their alert system helped us get our ratio from 4.1% down to 1.8% in 60 days. Complete game changer.
Read their full story →The recurring billing engine saved us from cobbling together 3 tools. Everything's in one place, payouts are daily, and we've processed $2M+ without a single hold. Exactly what we needed.
Read their full story →Simple, transparent pricing — the same rate for every business, every transaction, every day.
No setup fees. No monthly minimums. No hidden charges. No rolling reserve — ever. You only pay when you process.
Approval in 48 hours · No credit card required
Everything you need to know before applying.
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Join 2,400+ merchants who found a home at PayLivo after being rejected everywhere else.
No credit card required · No setup fees · Approval in 48 hours
Approval in 48 hours · No setup fees · No holds — ever
By applying you agree to our Terms of Service and Privacy Policy.