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A Veteran-Owned Business

Transform Your Business with Better Payments

Harness the power of modernized payment processing to streamline your most critical business processes, saving time and reducing costs.

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Trusted by 200+ businesses

Process

Our Proven Process

From concept to execution, see how we bring new life to your business with a better payment ecosystem.

From concept to execution, see how we bring new life to your business with a better payment ecosystem.

01

01

Discovery & Analysis

Discovery & Analysis

We delve deep into your business processes to identify areas ready for an upgrade. We engage with your team, analyze statements, and pinpoint where Ghost Pay can make a big impact.

We delve deep into your business processes to identify areas ready for an upgrade. We engage with your team, analyze statements, and pinpoint where Ghost Pay can make a big impact.

02

02

Approval and Configuration

Approval and Configuration

This is where you sit back and relax. Our expert payment professionals will do all of the heavy lifting from working with the most trustworthy acquiring banks to setting up your merchant account.

This is where you sit back and relax. Our expert payment professionals will do all of the heavy lifting from working with the most trustworthy acquiring banks to setting up your merchant account.

03

03

Deployment

Deployment

We smoothly roll out the solutions into your workflow, provide thorough training, and offer ongoing support to keep things running smoothly. We're here for you every step of the way 24/7.

We smoothly roll out the solutions into your workflow, provide thorough training, and offer ongoing support to keep things running smoothly. We're here for you every step of the way 24/7.

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Solutions

Next-Gen Payment Solutions

Innovative solutions tailored to meet your unique business needs

Innovative solutions tailored to meet your unique business needs

Payments accessible anywhere, high or low risk

Payments accessible anywhere, high or low risk

Ghostware's payment suite includes the best-in-class payment gateways, software API's, service invoicing, payment terminals, and E-Commerce functionality.

Ghostware's payment suite includes the best-in-class payment gateways, software API's, service invoicing, payment terminals, and E-Commerce functionality.

Best Solutions for Payment Processing

Hardware and terminals for your store

Hardware and terminals for your store

We partnered with the nations top hardware manufacturers to bring you the most dependable and customizable payment terminals on the market. All pricing models (flat rate and interchange), plus we offer compliant surcharging and dual pricing to reduce your fees and boost your bottom line even more.

We partnered with the nations top hardware manufacturers to bring you the most dependable and customizable payment terminals on the market. All pricing models (flat rate and interchange), plus we offer compliant surcharging and dual pricing to reduce your fees and boost your bottom line even more.

Benefits

Experience the Ghost Pay Advantage

Discover the advantages of partnering with us!

Discover the advantages of partnering with us!

Increased Efficiency

We streamline processes with our payment portal, reducing manual effort and saving time.

Cost Savings

Cost Savings

Cost Savings

By automating tasks, and finding you a better rate, we lower operational costs and reallocate resources effectively.

Personalization

Personalization

Personalization

We deliver personalized experiences in store or online, enhancing customer satisfaction.

Scalability

Scalability

Scalability

Our payment solutions allows you to scale operations easily to meet growing demands.

Faster Decision-Making

Faster Decision-Making

Faster Decision-Making

We provide all payment data swiftly, providing actionable reports for faster decision-making.

Adaptive Solutions

Adaptive Solutions

Adaptive Solutions

We adapt to changing circumstances, ensuring our solutions remain effective even as you grow.

About

High Risk Specialty

At Ghost Pay, we understand high-risk verticals — including research-use-only peptides, nutraceuticals, and emerging life-science businesses. We know these industries face heightened scrutiny around underwriting, compliance, labeling, fulfillment, and chargeback exposure.


Our approach is built around transparency with acquiring banks, proper merchant classification, and payment structures that align with card-brand rules and risk tolerances. The result is stable processing, fewer surprises, and long-term sustainability for merchants operating in complex, regulated environments.

At Ghost Pay, we understand high-risk verticals — including research-use-only peptides, nutraceuticals, and emerging life-science businesses. We know these industries face heightened scrutiny around underwriting, compliance, labeling, fulfillment, and chargeback exposure.


Our approach is built around transparency with acquiring banks, proper merchant classification, and payment structures that align with card-brand rules and risk tolerances. The result is stable processing, fewer surprises, and long-term sustainability for merchants operating in complex, regulated environments.

At Ghost Pay, we understand high-risk verticals — including research-use-only peptides, nutraceuticals, and emerging life-science businesses. We know these industries face heightened scrutiny around underwriting, compliance, labeling, fulfillment, and chargeback exposure.


Our approach is built around transparency with acquiring banks, proper merchant classification, and payment structures that align with card-brand rules and risk tolerances. The result is stable processing, fewer surprises, and long-term sustainability for merchants operating in complex, regulated environments.

Learn more

Pricing

Flexible Pricing, Maximum Impact

Choose the perfect payment model for your business with no hidden fees that pile up

Choose the perfect payment model for your business with no hidden fees that pile up

Interchange +

IC + 0.50 % + $ 0.15

Good for enterprises and large corporations

Transparent, detailed pricing

Varies by card type

Good for high volume

Clear fee breakdown

Cost control potential

Detailed monthly statements

Good for varied ticket sizes

Optimizes card mix

Get started

Flat Rate

s t a r t i n g a t 2.5% + $ 0 . 1 5

Perfect for easy accounting and clear reporting

Simple, consistent rate

Predictable transaction cost

Easy to understand

Includes all fees

Ideal for small businesses

Less fee transparency

Higher rates generally

No cost fluctuation

Get started

Pass-Through

0% Processing Fee*

Pass through a % fee to your customer

Fees passed to customers

Reduces merchant costs

Full customer transparency

Encourages cash payments

Compliance requirements vary

Uses surcharge, discount, dual pricing

Increases merchant margins

Get started

Interchange +

IC + 0.50 % + $ 0.15

Good for enterprises and large corporations

Transparent, detailed pricing

Varies by card type

Good for high volume

Clear fee breakdown

Cost control potential

Detailed monthly statements

Good for varied ticket sizes

Optimizes card mix

Get started

Flat Rate

s t a r t i n g a t 2.5% + $ 0 . 1 5

Perfect for easy accounting and clear reporting

Simple, consistent rate

Predictable transaction cost

Easy to understand

Includes all fees

Ideal for small businesses

Less fee transparency

Higher rates generally

No cost fluctuation

Get started

Pass-Through

0% Processing Fee*

Pass through a % fee to your customer

Fees passed to customers

Reduces merchant costs

Full customer transparency

Encourages cash payments

Compliance requirements vary

Uses surcharge, discount, dual pricing

Increases merchant margins

Get started

Interchange +

IC + 0.50 % + $ 0.15

Good for enterprises and large corporations

Transparent, detailed pricing

Varies by card type

Good for high volume

Clear fee breakdown

Cost control potential

Detailed monthly statements

Good for varied ticket sizes

Optimizes card mix

Get started

Flat Rate

s t a r t i n g a t 2.5% + $ 0 . 1 5

Perfect for easy accounting and clear reporting

Simple, consistent rate

Predictable transaction cost

Easy to understand

Includes all fees

Ideal for small businesses

Less fee transparency

Higher rates generally

No cost fluctuation

Get started

Pass-Through

0% Processing Fee*

Pass through a % fee to your customer

Fees passed to customers

Reduces merchant costs

Full customer transparency

Encourages cash payments

Compliance requirements vary

Uses surcharge, discount, dual pricing

Increases merchant margins

Get started

Learn More

FAQ

Your Questions, Answered

Answers to your most common questions about our merchant services

Answers to your most common questions about our merchant services

What types of payment methods does GhostPay support?

How long does it take to get approved for a GhostPay account?

Are there any hidden fees with GhostPay's services?

Can GhostPay integrate with my existing point-of-sale (POS) system?

What kind of customer support does GhostPay provide?

Ready to Transform Your Business?

Schedule a free consultation with our payment experts

Book a 15-min call

It's 100% free

Ready to Transform Your Business?

Schedule a free consultation with our payment experts

Book a 15-min call

It's 100% free

Ready to Transform Your Business?

Schedule a free consultation with our payment experts

Book a 15-min call

It's 100% free