Outwork Pay | We Outwork Your Processor

01 / The problem

Your processor was built to make money off you, not help you make more.

The industry was built to be confusing on purpose. The incumbents win when you stop looking. We win when you look closer. Here is the playbook every operator already recognizes.

01Rates you cannot read, and effective costs that creep up the moment you stop watching.

02Mystery monthly, statement, and batch fees that were never really explained.

03Compliance fees and penalties used as a profit center instead of a service.

04Equipment lease traps and long contracts with painful exit penalties.

05Tiered pricing built to hide the true cost of every transaction.

06Reserves and holds that lock up your cash with little warning and less explanation.

07Surprise rate hikes buried in a statement footnote, betting you will never notice.

08Support that goes quiet the moment you actually need it, right after you sign.

A sorry-we're-closed sign hanging in a dark shop window

Little notice. Less explanation.

And then there is the drop.

If your business looks even slightly risky, supplements, subscriptions, anything that makes a compliance desk nervous, they do one of two things. They price you like a liability, or they drop you with little notice and leave you scrambling.

We know exactly how that feels, because it happened to us. That is not a weakness in our story. It is the entire reason this company exists.

02 / Why Outwork

Built by operators who overpaid for years.

We are not financiers who bought a book of accounts. We are the merchant. We have founded and scaled nine-figure consumer brands, moved hundreds of millions of dollars through online checkout, signed the agreements, and overpaid the middlemen for years.

One day we did the math on what we had handed over, and it changed how we saw the whole industry. There was no processor built the way an operator would build one: transparent, aligned, fluent in the hard categories, and actually willing to go to work after the sale. So we built it.

We ran the volume. We paid the bills. We read the statements nobody reads. Then we built the processor we wished we had.

A team of operators working together at their laptops — Operators first. We ran the volume before we ran the rails.

Operators first

Real brands, real volume, and years of overpaying the middlemen. We have lived the problem we are solving.

We speak high-risk fluently

Supplements, subscriptions, wellness, and DTC health are not foreign to us. They are where we come from.

Aligned with your P&L

We earn our keep by lowering your effective cost and lifting your approvals, not by hiding fees. We only win when you do.

03 / What you get

Everything you need to get paid.

The capabilities, in plain language. Online checkout and the counter, one brand, start to finish, with nothing buried.

Built for modern checkout

Accept every way your customers want to pay.

All major cards, plus the one-tap wallets today's buyers expect. Purpose-built technology for Apple Pay, Google Pay, and tap-to-pay at the counter, so you capture the sale the moment they are ready to buy.

Visa Mastercard American Express Discover

Apple Pay

Google Pay

Tap to Pay

Online card acceptance

Take payments from every major card network at checkout, built for ecommerce, with the reliability your revenue depends on.

In-person with Clover® hardware

Stations, handhelds, and pocket readers for the counter, the floor, and the field, set up and taking payments in minutes.

Next-day funding

Your sales land in your bank the next business day, so your cash flow keeps pace with your business instead of your processor's.

Bank payments (ACH and e-check)

Offer a lower-cost way to pay for the right customers and orders, and keep more of every sale.

Gateway and developer tools

A modern gateway, clean documentation, and a sandbox so your team can build, test, and launch without friction.

Fraud and chargeback protection

Stop more bad transactions before they cost you, and fight the disputes that do come through, so chargebacks hurt less.

Revenue-recovery tools

Quietly fix expired and updated cards and reduce false declines, so good customers are not turned away and you keep the sale.

High-risk underwriting

A real decision from people who understand your category, instead of a black box that declines anything interesting.

Clear reporting and dashboard

See what is actually happening with your payments in plain terms, branded as Outwork Payments, with nothing hidden.

Real human support

A team that picks up the phone and stays in the fight with you, not a ticket queue that goes quiet when it matters.

And run by people who actually have your back.

We will always tell you how you are priced, in plain language.
We will treat high-risk as a category to serve well, not a reason to punish you.
We will keep working to lower your effective cost and lift your approvals.
We will earn your business every month, not trap you into it.

04 / Who we serve

Built for how you actually sell.

Online checkout is where we come from, and the network now runs the counter too. Every solution is shaped around how your money actually moves, not around what is easiest to underwrite.

/01

Ecommerce & DTC

Checkout, virtual terminal, and invoicing built for online brands. Where we come from, and still where we live.

/02

Subscriptions & continuity

Recurring billing with the revenue-recovery tools to keep good customers from quietly slipping away.

/03

Restaurants & cafes

Countertop, tableside, and online ordering on Clover hardware that keeps the line moving on your busiest night.

/04

Retail & boutiques

Fast swiped and tap checkout at the counter, with inventory and reporting built into the same machine.

A black Rolls-Royce parked outside a boutique storefront

/05

Services & trades

Handhelds and pocket readers for payments in the field, wherever the work takes you.

/06

Turned away elsewhere?

We support lawful commerce across every risk category, including the ones other processors refuse to touch.

See the risk spectrum →

05 / At the counter

Tap. Pay. Done.

Accept every way your customers already pay, Apple Pay, Google Pay, and every tap-to-pay card in their wallet, on hardware that is set up, connected, and taking payments in minutes.

Powered by Clover®

Hardware that works as hard as you do.

Sleek Clover stations, handhelds, and readers, backed by Outwork underwriting, Outwork pricing, and next-day funding on everything they ring up. No equipment lease traps, ever.

Clover Station Duo

Clover Flex

Clover Go

Tap to Pay

Apple Pay

Google Pay

A modern payment terminal on a shop counter

Countertop / Clover Station Duo

The full counter

Dual screens, fast checkout, and inventory and reporting built in. The command center for a busy storefront.

Handheld / Clover Flex

The floor

Tableside, curbside, or across the shop floor. Take the payment where the customer is standing, not where the register is.

Pocket / Clover Go

The field

A pocket-size reader that pairs with your phone. Swipe, chip, and tap anywhere the work takes you.

Set up, connected, and taking payments in minutes. Next-day funding standard.

06 / Integrations

Plugs into the stack you already run.

Connect your store in minutes and start taking payments, no developer required.

Shopify

One-click connect

Shopify Plus

Built for high volume

b

BigCommerce

Native integration

Woo

WooCommerce

Official plugin

07 / The Outwork difference

Six reasons we are nothing like your last processor.

/01

Operators, not order-takers

Built by people who ran the volume and paid the bills, not a sales floor reading a script. We think like the business, because we have been the business.

/02

Transparent and aligned

We make money by earning it, not by hiding it. You should always understand how you are priced. We win when you win.

/03

Built for the hard categories

High-risk is not a problem to us, it is home turf. Supplements, subscriptions, wellness, and DTC health are exactly the brands we are built to serve.

/04

A network, not an account

You are not opening an account, you are joining a network of operators. The more brands that join, the stronger everyone in it becomes.

/05

We go to work

We do not set you up and disappear. From day one we keep working to lower your effective cost, lift your approvals, and protect you from chargebacks.

/06

Fast and white-glove

Real underwriting decisions, a quick path to live, and a team that answers when you call. The speed of a modern platform with the service of a real partner.

08 / Across the full risk spectrum

Most processors pick a lane. We serve them all.

One of the few processors built to serve every tier, from the safest retail to the categories most providers avoid.

Low-risk

Everyday retail

Apparel and accessories, general DTC goods, storefronts and cafes, and digital products with low dispute rates.

Moderate-risk

Growing card-not-present

Brands with moderate delivery timelines, growing subscription products, and higher-ticket goods.

Home turf

High-risk

The categories others avoid

Supplements and nutraceuticals, sports nutrition, subscription and continuity, CBD and hemp, wellness and telehealth, and more.

We do not pretend high-risk is low-risk. We price and underwrite it honestly, and we treat it as a category to be served well, not punished.

Categories we welcome

Supplements & nutraceuticals Sports nutrition Subscription & continuity CBD & hemp Wellness & telehealth DTC health Restaurants & retail Everyday online retail

If you have been dropped, declined, rate-jacked, or made to feel like a liability, you are exactly who we built this for.

09 / Pricing

Pricing you can actually read.

Simple plans, real savings, no surprises. Exact pricing is tailored to your category and volume, and always explained in plain language before you sign anything.

From application to live and growing.

Four steps from application to fully live, run by people who keep working long after you launch.

01

Apply

Tell us about your business. One clean application, no runaround, no maze.

02

Get a real decision

Underwriting by people who understand your category, not an automated system that declines anything interesting.

03

Go live

Get set up fast, online or at the counter, with your gateway, your Clover hardware, and your Outwork-branded dashboard ready to go.

04

We go to work

We keep working to lower your effective cost, lift your approvals, and protect you from chargebacks. The part everyone else skips.

12 / Questions we hear

Straight answers, no noise.

Rates start as low as 2.6% + 10¢ in person and 3% + 25¢ online, and your exact pricing depends on your business, your category, and your volume. We will always show you exactly how you are priced in plain language. The fastest way to see the difference is to send us your current statement, and we will walk you through what you are paying now and where we can do better.

Yes. We set you up on Clover hardware, full countertop stations, handhelds for the floor, and pocket readers for the field, with Tap to Pay, Apple Pay, and Google Pay built in. It arrives set up and connected, and it is taking payments in minutes, with no equipment lease traps.

Next-day funding is standard. Your sales land in your bank account the next business day, so your cash flow keeps pace with your business.

Almost certainly. We connect to Shopify, Shopify Plus, BigCommerce, and WooCommerce in minutes with no developer required, and our gateway and developer tools cover custom builds.

Yes. High-risk is our home turf. Supplements, subscriptions, CBD and hemp, wellness, and DTC health are exactly the categories we are built to serve, because they are where we come from.

Easier than you think. One clean application, a real underwriting decision, and a fast path to live with your gateway, hardware, and branded dashboard ready to go. Our team handles the heavy lifting with you.

Outwork Payments is built and backed by Outwork Industries, an operator-led venture studio. The people behind it have built and scaled major consumer brands and run enormous volume through online payments. We are operators first.

Neither. We serve brands from early growth to real scale, online and at the counter. What matters is that you sell and want a processor that actually works for you.

We give you tools to stop more bad transactions up front and to fight the disputes that come through, so chargebacks hurt less. And we keep working on it with you, rather than leaving you on your own.

We would rather keep your business by being the best partner than by trapping you. No equipment lease traps, and we will always walk you through any terms up front, in plain language, before you sign anything.

Outwork Payments is built as a network of operators. As more brands join, the whole network gets stronger, and that strength flows back to every member. You are not just opening an account, you are joining a side.

Get started

See what you have been overpaying.

The application takes about two minutes, and you finish the rest, including eSign, on our secure portal. Want a statement review first? Email your latest statement to hello@outworkpay.com and an operator will walk you through it.

You talk to an operator, not a salesperson.

A real underwriting decision from people who know your category.

Every category welcome, including the ones others drop.

Merchant application

Let's get you processing.

Tell us the basics about your business, and pick up the rest on our secure portal whenever you are ready.

Time to complete~2 min

ThenFinish + eSign online

FundingNext business day

Questionshello@outworkpay.com

Start my application

Submitting creates your application. An operator confirms your exact pricing with you, in plain language, before anything is final.