PaymentsWe outwork
your processor.
Outwork Payments is a payment processor built by operators who have sold hundreds of millions of dollars through online checkout. We serve online businesses across every risk category, including the ones most processors avoid, and we earn our keep through transparency and effort instead of hidden fees. The more operators who join, the stronger the whole network gets.
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.
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.
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.
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.
Everything you need to get paid online.
The capabilities, in plain language. One brand, start to finish, with nothing buried.
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 fast mobile checkout, so you capture the sale the moment they are ready to buy.
Take payments from every major card network at checkout, built for ecommerce, with the reliability your revenue depends on.
Offer a lower-cost way to pay for the right customers and orders, and keep more of every sale.
A modern gateway, clean documentation, and a sandbox so your team can build, test, and launch without friction.
Stop more bad transactions before they cost you, and fight the disputes that do come through, so chargebacks hurt less.
Quietly fix expired and updated cards and reduce false declines, so good customers are not turned away and you keep the sale.
A real decision from people who understand your category, instead of a black box that declines anything interesting.
See what is actually happening with your payments in plain terms, branded as Outwork Payments, with nothing hidden.
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.
Six reasons we are nothing like your last processor.
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.
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.
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.
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.
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.
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.
Most processors pick a lane. We serve them all.
One of the few processors built to serve every tier, from the safest online retail to the categories most providers avoid.
Everyday online retail
Apparel and accessories, general DTC goods, and digital products with low dispute rates.
Growing card-not-present
Brands with moderate delivery timelines, growing subscription products, and higher-ticket goods.
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.
If you have been dropped, declined, rate-jacked, or made to feel like a liability, you are exactly who we built this for.
Alone, every operator is easy to overcharge and easy to drop. As a network, we get stronger with every brand that joins.
Shared strength, instead of being picked off one at a time by people who count on you being alone.
Shared intelligence from operators who have already solved the problems you are facing.
A partner who grows with you, with every reason to keep the whole network winning.
A community that has your back, on your side of the table, not the other one.
From application to live and growing.
Four steps from application to fully live, run by people who keep working long after you launch.
Apply
Tell us about your business. One clean application, no runaround, no maze.
Get a real decision
Underwriting by people who understand your category, not an automated system that declines anything interesting.
Go live
Get set up fast, with your gateway, your tools, and your Outwork-branded dashboard ready to go.
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.
Straight answers, no noise.
Pricing depends on your business, your category, and your volume, and 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. We will walk you through what you are paying now and where we can do better.
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, tools, 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. What matters is that you sell online 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. 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.
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.
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.
Start my applicationSubmitting creates your application. No rates, fees, or numbers shared until we talk.