Payment Platform for Small Businesses

Accept payments. Pay out merchants. Scale without the friction.

Card processing, hosted checkout, recurring billing, and merchant payouts on rails trusted by thousands of businesses. Boarding in under an hour, no contract, transparent per-transaction pricing.

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Free to register · No setup fees · Live in under an hour

dashboard.cobalt.com

Today's volume

$48,392

+12.4% vs. yesterday

Approval rate

94.6%

Settlements

$32,104

Next: tomorrow 9:00 AM

$2.4B+

Processed annually

7,500+

Active merchants

99.99%

Uptime SLA

<1 hr

Average boarding time

Everything you need to get paid

One platform for card processing, invoicing, subscriptions, and developer integrations — without stitching three vendors together.

Card processing

Take Visa, Mastercard, Amex, and Discover with PCI-DSS-compliant card fields and 3DS support out of the box.

Invoicing & pay-links

Send branded invoices and reusable payment links by email, SMS, or QR — no developer needed.

Recurring billing

Subscriptions and installment plans with retries, dunning, and proration handled automatically.

Risk & disputes

Real-time fraud scoring, chargeback alerts, and a dispute workflow with evidence templates.

Developer API

Clean REST endpoints, publishable + secret keys, signed webhooks, and an OpenAPI 3 spec for code generation.

Human support

24/7 phone, email, and ticketed support from people who know your account — not an offshore call tree.

Built for the merchants other processors turn down

High-risk verticals, B2B, e-commerce, retail — one platform, no upfront fees, and an underwriter who actually returns your calls.

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No setup or monthly fees — pay only per transaction.
Approve or decline applications within one business day.
Underwriting that understands high-risk and B2B verticals.
Hosted checkout, payment links, and recurring billing included.
Real-time fraud screening and chargeback alerts.
Developer-friendly REST API with publishable + secret keys.

Loved by businesses across the country

From boutique retail to high-growth SaaS — merchants who've made the switch.

"We were boarded inside 24 hours after two other processors dragged us along for weeks. Cobalt actually understood our model."

James Carter

Sunrise Coffee, Retail

"The hosted invoice + payment-link flow replaced three tools. Our DSO is down 22% in a quarter."

Diana Mehta

Greenleaf CBD, E-commerce

"Clean API, real webhooks, and a dashboard our finance team can actually read. Switching from Stripe was the easy decision."

Taylor Brooks

Apex Digital, B2B SaaS

Ready to start accepting payments?

Open an account in minutes. Free to register, no contract, no monthly minimums. Talk to our team if you want a hand walking through onboarding.

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