VTORA Payments
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Live merchant dashboard · last 30 days
VTORA Merchant Dashboard, account #MRC-4471 LIVE
Revenue · last 30 days
0 €
▲ 18.7% vs. last month
0107142128today
Transactions
0
Payout speed
< 24 h
Rolling reserve
0 €
Chargeback rate
0.38%
Revenue by payment source 30 days
Card payments113,864 € · 52%
Apple Pay39,417 € · 18%
PayPal32,952 € · 15%
Klarna13,207 € · 6%
Crypto settlement19,633 € · 9%
Latest payments live

Take the payments your provider turns down, and keep the money.

Cards, Klarna, Apple Pay, PayPal, settled in euros or dollars, or paid out straight into the crypto of your choice. 5 to 8% depending on volume. No rolling reserves. Nothing of yours sits frozen.

Choose your solution → Check if we accept you
8×

More revenue on average

Merchants who move to our solutions process on average eight times the revenue they did before. Same traffic, same product. Fewer declines, no frozen payouts, no dead checkout.

0

Redirects

No jump to a third-party page and no wallet login. Your buyer never needs an existing account and never has to create one. They pay right inside your checkout.

✓

No KYC for your buyers

Your customers pay straight away. No identity check, no verification, no upload. The compliance work sits with us and with you as the merchant, never with the person buying.

Every method your customers already trust, in one checkout

01 / HOW IT WORKS

From first message to first payout, usually five working days.

No months of underwriting, no ping-pong with case handlers. One contact, one onboarding pack, one go-live date.

01

Review

Day 1

We open your shop, read your product pages and your labelling, and tell you within 24 hours whether we can take you, and how.

02

Structure

Optional

Company, nominee director and business bank account, set up end to end by us if you want one.

03

Onboarding

Day 2

Application, documents, compliance pack. We prepare everything, you sign once.

04

Integration

Day 3 to 4

Hosted checkout, plugin or API. Live in hours instead of weeks.

05

Payout

Day 5

Settlement in euros or dollars, or straight into BTC, ETH or USDT. No reserve, no hold-back.

02 / THE SOLUTIONS

Three ways to get paid, and a bundle that takes all three.

Every solution and both bundles carry the same terms: a processing fee between 5% and 8% depending on monthly volume, industry and chargeback history, no rolling reserve, and the setup fee split in half, 50% on order and 50% once it runs on your site. The company structures further down are priced separately.

Most popular Solution 01

Cards & Wallets

Visa, Mastercard, Apple Pay, Google Pay and Klarna in one checkout, 3-D Secure and smart routing included.

2,000 €one-off setup fee
50% once we accept you and start the setup, 50% when your checkout is live and taking payments. Invoiced, no card details held.
Processing fee 5 to 8% by volume · 0% rolling reserve
  • ✓ Your own merchant account, in your company name
  • ✓ Apple Pay, Google Pay and Klarna in the same checkout
  • ✓ 3-D Secure 2.2 and chargeback alerts included
  • ✓ Weekly or daily payouts in EUR or USD, within 24 hours
VisaMastercardAmerican ExpressApple PayGoogle PayKlarna
Apply for this →
Solution 02

PayPal

A stable PayPal checkout for stores that normally get limited or shut down within weeks. Buyers pay from their balance or with a card inside PayPal.

2,000 €one-off setup fee
50% once we accept you and start the setup, 50% when your checkout is live and taking payments. Invoiced, no card details held.
Processing fee 5 to 8% by volume · 0% rolling reserve
  • ✓ Business account on a clean structure underneath
  • ✓ Express checkout button right inside the cart
  • ✓ Card payments through PayPal, no PayPal account needed
  • ✓ Chargeback and dispute handling done for you
PayPalVisaMastercardAmerican Express
Apply for this →
Premium Solution 03

Crypto Settlement

Your customer pays by card with 3-D Secure, exactly as in any other shop. You receive the money in the cryptocurrency you picked, in the wallet you named.

8,000 €one-off setup fee
50% once we accept you and start the setup, 50% when your checkout is live and taking payments. Invoiced, no card details held.
Processing fee 5 to 8% by volume · 0% rolling reserve
  • ✓ Card at checkout, crypto in your wallet the same moment
  • ✓ Paid out in BTC, ETH, USDT, USDC, POL or another asset
  • ✓ No bank in your payout path, so no one can freeze it
  • ✓ Settles seven days a week, weekends included
VisaMastercardAmerican ExpressBitcoinEthereumTether USDTPolygon
Apply for this →
Saves 2,000 €
Bundle

All three together

Cards and wallets, PayPal and crypto settlement, set up together and reporting into one dashboard.

12,000 €10,000 €one-off setup fee
50% once we accept you and start the setup, 50% when your checkout is live and taking payments. Invoiced, no card details held.
Processing fee 5 to 8% by volume · 0% rolling reserve
  • ✓ Everything from Solutions 01, 02 and 03
  • ✓ One integration, one dashboard, one contact
  • ✓ Payouts split how you want them: EUR, USD or crypto
  • ✓ Priority onboarding, usually live in five working days
VisaMastercardAmerican ExpressApple PayGoogle PayKlarnaPayPalBitcoinEthereum
Apply for this →

03 / STRUCTURES

A better setup gets you better terms.

A nominee director keeps your name out of the public register, and acquirers read a clean US, UK or Hong Kong company as lower risk, so you are approved faster and get higher limits. We incorporate the company, provide the nominee and open the matching business bank account.

These structures are a payments and privacy tool, not a tax one. A foreign company is taxed where it is actually run, and you stay personally taxable where you live, so whether any of it changes your tax bill is a question for your own accountant.

United States

US LLC

Wyoming or New Mexico, registered agent, EIN and business bank account. The fastest route to a US acquirer.

2,000 €
one-off · bank account included · approx. 7 to 10 days without EIN
Apply for this →
Hong Kong

Hong Kong limited

Hong Kong limited with company secretary, registered office and bank account. The strongest base for international and higher-rated volume.

2,500 €
one-off · bank account included · approx. 1 to 2 weeks
Apply for this →
United Kingdom

UK LTD

British limited with registered office and business bank account. A solid structure for European card traffic.

2,500 €
one-off · bank account included · approx. 1 to 2 weeks
Apply for this →

Every structure is run and maintained by a local partner. We handle incorporation, nominee, bank account opening and the full document pack for payment onboarding. This is not tax advice, please review the structure with your own accountant.

04 / COMPARISON

Us versus the rest of high-risk.

Most high-risk processors solve one problem and create three new ones: your money is held back, your buyer is bounced to a login page, and nobody answers when it breaks. Here is the honest side-by-side.

  VTORA Payments Typical high-risk PSP Mainstream (Stripe, PayPal direct)
Rolling reserve ✓None, 0% held back 5–10% held for 180 days Often 0%, until you are terminated
Payout speed ✓Within 24 hours, daily on request Weekly to monthly, plus buffers 2–7 days
Redirect at checkout ✓None, payment stays on your page Redirect to a hosted wallet page Redirect or account login required
Buyer needs an account ✓Never, no sign-up, no login Usually yes for wallet methods Yes for PayPal and most wallets
KYC for your customer ✓None, they just pay Frequent on crypto rails None on card, yes on wallets
Accepted industries ✓Supplements, coaching, subscriptions, CBD, adult, gaming Narrow, case by case ✗Declined by category list
Crypto payout ✓Card in, your preferred crypto out Rarely offered ✗Not available
Multi-acquirer routing ✓Automatic retry on soft declines Single acquirer Single acquirer
Setup time ✓About five working days 4–10 weeks of underwriting Minutes, until the review hits
Monthly platform fee ✓0 € 99 € – 499 € plus gateway fees 0 € – 60 €
Company structure & banking ✓Set up for you, nominee included Your problem Your problem
Support when it burns ✓A named person, same hour Ticket system, days Chatbot, then a template email

Comparison based on the terms our merchants brought with them from their previous providers between 2024 and 2026. Terms elsewhere vary per merchant, ask your current provider for their reserve and payout schedule in writing.

05 / HIGH-RISK

We are a high-risk processor. That's exactly why you're here.

Most of our merchants are research use only peptide brands, the exact category mainstream providers decline on sight. We review the individual case: product, labelling, target market, refund rate, structure. If it is legal where you sell it and can be processed cleanly, it gets a checkout with us.

Research peptides

Research use only peptide brands are what we handle most: BPC-157, TB-500, GLP-1 analogues, blends and vials, with the labelling and disclaimers acquirers expect.

Supplements & longevity

Nutraceuticals, longevity stacks, SARMs-adjacent brands and subscription refills.

Coaching & subscriptions

High-ticket coaching, memberships, recurring billing, trials and upsell funnels.

CBD, vape & lifestyle

Regulated consumer goods, adult-adjacent niches, gaming and ticketing.

Up to 5M €

Monthly volume per merchant account, higher limits on request.

24 hours

A firm answer on whether we can accept your business model.

0% reserve

No hold-back, no 180-day lock on your revenue.

PCI-DSS Level 1

Certified infrastructure, tokenised card data, 3-D Secure 2.2.

What we don't process: anything prohibited or licence-bound without that licence in the target market, in particular fraudulent or fake shops, weapons and unlicensed gambling. Every application goes through KYC and sanctions screening.

06 / INTEGRATION

Live in ten lines. Or with no code at all.

Take the hosted checkout and link it, drop in the Shopify or WooCommerce plugin, or build the flow yourself on the API.

checkout.js
// npm install @vtora/pay
import { Vtora } from "@vtora/pay";

const vtora = new Vtora(process.env.VTORA_KEY);

const session = await vtora.checkout.create({
  amount:    14900,          // 149.00 €
  currency:  "EUR",
  methods:   ["card", "paypal", "klarna", "applepay"],
  settlement:{ type: "crypto", asset: "USDT" },
  successUrl:"https://yourstore.com/thanks"
});

return Response.redirect(session.url);
architecture
vtora-pay/
├── checkout/
│   ├── card        // Visa · Mastercard · 3DS2
│   ├── wallets     // Apple Pay · Google Pay
│   ├── klarna      // pay later · instalments
│   └── paypal      // express checkout
├── routing/
│   ├── acquirer-eu
│   ├── acquirer-uk
│   └── retry       // soft decline → fallback
├── settlement/
│   ├── sepa        // EUR · 24 h
│   └── crypto      // BTC · ETH · USDT · USDC
└── risk/
    ├── kyc
    └── chargeback  // Ethoca · Verifi alerts

Hosted checkout

A ready-made payment page in your branding. Copy the link, paste it, sell.

Store plugins

Shopify, WooCommerce, Magento and funnel builders, installed in minutes.

REST API & webhooks

Full control over sessions, refunds, subscriptions and payout events.

MERCHANT VOICES

What our merchants say

We had the shop running for a few months and the first months were good, it kept climbing, and then sales just went down. We had no proper card option. People either had to send money to an IBAN, or we sent them off to some other company where they had to buy crypto first, make an account, upload an ID, do the whole KYC. Nobody knew those companies, so a lot of customers simply did not go through with it. Once we switched, we told our influencers they could say openly that we take Apple Pay and normal cards. Ten days in we were already well past what we used to do in a whole month, and after two weeks we were six figures. The month before that we were five figures. Having Klarna and names people recognise is worth more than I thought. The other offers we had held over 10% reserve for 180 days, a monthly fee on top and more than 10% per transaction. This is the best deal we have had. They also set up a Hong Kong company and a US LLC for us so you cannot see straight away who is behind the shop.

MBM. Böhm
Research peptides · DE

We came from another high-risk provider that held a lot of our money as reserve. One day the account was just closed and the balance was gone with it. We never got it back and we never heard from them again. Talking to other shops, apparently that is normal in this corner of the market. Here the money moves and nothing sits with anyone.

SKS. Kraus
Research peptides · AT

Our account at the previous provider was blocked within the first days. They could not unblock it and told us we would have to buy a new one, and that it could happen again at any time. We were pretty done with it. We moved everything over and since then it has just worked.

TNT. Novak
Longevity brand · CZ

Customers kept asking whether they could pay with PayPal. We were new, so we were not exactly trustworthy to them yet. Everyone knows what happens to a PayPal account in our category without a proper setup, it is gone in days or a few weeks. Through VTORA it has stayed open, and we get noticeably more orders, because people know they can open a case with PayPal if something goes wrong.

LPL. Peters
Peptide subscriptions · DE

We do well over six figures a month, and for us the crypto option is the right one. The money is on our wallet the moment the customer pays, so there is no bank in the middle that can flag anything and no account that can suddenly be frozen. We pay suppliers straight away and our affiliates the same day, without wondering whether someone is going to hold it. It costs a bit more, but at our volume it pays for itself.

JFJ. Fischer
Research peptides · DE

What sold it for us was that we did not pay everything up front. Half on order, the rest once it was actually running in our shop. Two weeks later our checkout was live with cards and Apple Pay, and the first payout landed the next day. After a year of providers who wanted money before anything worked, that was a change.

AVA. Vogel
Supplements · CH

07 / PRICING

One line of pricing. No fine print.

5 to 8% of revenue+ 0 € reserve

Your exact rate depends on monthly volume, industry and chargeback history. On top of that comes the one-off setup fee: 2,000 € for Cards & Wallets, 2,000 € for PayPal, 8,000 € for Crypto Settlement, 10,000 € for all three together or 12,000 € with your company and bank account included. Half is due on order, the other half once it runs on your site. No monthly platform fee.

✓ No rolling reserve, no hold-back
✓ No monthly platform fee
✓ Payouts within 24 hours
✓ Settlement in EUR, USD or crypto
✓ Smart routing across multiple acquirers
✓ Chargeback alerts included
✓ Dashboard, API and webhooks
✓ A named contact you can call
✓ 50% on order, 50% after go-live
Request your rate →

FAQ

Frequently asked

What decides whether I pay 5% or 8%?

Three things: your monthly volume, your industry and your chargeback history. Merchants running steadily above 100,000 € a month and staying below 1% chargebacks land at the bottom of the range. The rate is fixed in writing before you go live.

Do you accept research use only peptide brands?

They are the largest group of merchants we run. What we check is the shop itself: research use only stated clearly on product pages and at checkout, no dosing or human-use instructions, no medical claims, and a returns and contact page an acquirer can find. Send us the domain and you have an answer the same working day.

Do you really keep no rolling reserve?

No reserve. We work without rolling hold-backs, your revenue is paid out in full, less the agreed processing fee. Chargebacks are settled case by case against the current payout.

How fast do I get my money?

Weekly is the default, daily on request. With crypto settlement the payout is usually on your wallet within 24 hours, weekends included.

How does the crypto payout actually work?

Your customer pays by card in euros as normal. We process the card payment, convert at the rate at the moment of authorisation and pay you out in BTC, ETH, USDT or USDC to the wallet you register. Nothing changes for your customer at checkout.

Do I need a US or Hong Kong company?

No, an existing EU company works in many cases. But the right structure noticeably improves acceptance, limits and your fee, which is why we offer it as a separate package.

Is the setup fee one-off, and when is it due?

Once per solution, and split in two: 50% when you place the order, the remaining 50% once your checkout runs live on your site. It covers onboarding, the merchant account application, compliance preparation and integration. There is no monthly base fee.

Can anyone freeze the crypto payout?

No. There is no bank in that payout path. The money moves from the settlement into the wallet you named, and only you hold the keys to it. Nobody in the chain can hold it back, reverse it or ask you to explain it first.

What if my application is declined?

Then no setup fee is charged. We pre-screen your model within 24 hours and only start the paid onboarding once you have an approval.

08 / APPLY

Tell us what you sell. We answer in 24 hours.

Fill in the short application. No contract, no setup fee before you have a written approval.

  • 01We pre-screen your model and answer within one working day.
  • 02You get a written offer with your exact rate between 5% and 8%.
  • 03Onboarding, integration and go-live in about five working days.
  • 04First payout within 24 hours of your first settlement run.

Rather talk it through first?

Pick a slot and we meet on a cal.com video call, screen share included, so we can look at your shop together. Fifteen minutes is usually enough to say whether we can take you and what it costs.

Book a call →

Prefer to write? office@vtorapay.com

Merchant application● 24 h response
Multiple selections possible.
We could not send that just now. Please try again in a moment, or write to office@vtorapay.com and we will pick it up from there.

Answer within 24 hours · No fee before approval · Your data is never sold

✓

Application received

Thanks, we're reviewing your store and business model now. You'll hear back from us within 24 hours, on working days usually much sooner.