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Ditch your current payment processor and start accepting fraud-free payments in 10 seconds.

  • Accept payments without a US bank account or an LLC.

  • No payment processor will ever be able to freeze your funds.

  • Non-reversible transactions. No more chargeback fraud. 

  • No website or coding required. Just share your unique payment link on your Instagram, Twitter, etc.

  • You will receive a virtual card to spend your funds according to your preferences, whether it's on rent, Amazon, AWS, Google or Facebook ads, or just splurging on luxury purchases.

Create your page and start accepting payments

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Get paid in seconds by anyone in the US without the need for a bank account, a payment processor or an LLC.

Completely protect yourself from fraud and chargebacks for the standard 2.9% fee (same as Stripe and PayPal). 

You will receive a virtual card to spend your funds according to your preferences, whether it's on rent, Amazon, AWS, Google or Facebook ads, or just splurging on luxury purchases.

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This ensures that no money goes through any payment processor, guaranteeing the safety of your funds.

We are unable to report any transactions to the IRS, even if the total is more than $600. The law requiring payment processors to provide forms 1099K for information reporting does not apply to the Zelle Network®, which Luxury Fintech runs on.

 

If payments you receive are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional. Learn more

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CPT PH STAIRCASE spans floors 129-131 Photo Credit Evan Joseph

CPT PH STAIRCASE spans floors 129-131 Photo Credit Evan Joseph

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PayPal 

  • PayPal will ban your account and freeze your funds if they believe that you breached their terms and conditions. They might also withdraw up to $2,500 from your account for each infraction they claim you committed. Just hear it from Elon.​

  • Chargebacks and fraud can still impact your business.

Crypto

  • Crypto is still not user friendly enough 😢. Your users have to already own crypto or buy it before paying you, which adds friction to the process.

  • Your users might end up paying fees such as Coinbase/Exchange fees when changing fiat for crypto, which will make the transaction more expensive. 

  • You (the merchant) will also pay fees to transfer your crypto to fiat afterwards. 

Venmo

  • Venmo for Business doesn't work on Desktop as it does on mobile with the PayPal API.

  • Venmo will freeze the funds in your personal account if they have a suspicion that you are using it for business purposes. Just a single customer clicking the option to report a transaction to your account as a business purchase could lead Venmo to take a look at your activity.

  • Chargebacks and fraud can still impact your business.

Stripe / Square

  • Your business  or side hustle might have had issues being accepted by payment processors such as Stripe if you have been categorized as a high risk merchant. 

  • Chargebacks and fraud can still impact your business.

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