Accept, settle, pay out
Cards and wallets clear into pending balance, settle into available, then leave as payouts — every step ledger-backed.
Charge
Pending
Available
Payout
Accept. Settle.
Pay out with
Payment infrastructure for online merchants — cards, wallets, ledgers, risk, and developer APIs in one account.
Start now — freeNo Pro plan. Full platform for every merchant.
Run payments from one place
Track revenue, customers, payouts, and payment activity in a single dashboard.
Built for real merchants
The important parts — without the clutter.
HavenPay focuses on money movement you can explain: charges, settlement, payouts, risk, and clean developer APIs.
Go live in minutes
Integer-safe money math
Secrets hashed at rest
Signed webhooks
Role-based team access
Unified settlement
All payments. One currency.
Apple Pay, Google Pay, cards, and wallets flow into HavenPay — then settle into the balance currency your business actually runs on.
- Accept local rails without juggling multiple processors
- Convert and settle into your ledger’s home currency
- See net after fees in the same place you pay out from
Balances that stay honest
No silent balance edits. Fees, refunds, and payouts post as balanced ledger entries in integer minor units.
Available
$12,480.00
Pending
$1,920.00
Developer APIs that respect money
Idempotent payment creation, signed webhooks, test & live keys, and request logs — designed so retries never double-charge.
Read the docscreate-payment.sh
1curl https://api.havenpay.io/v1/payments \2 -H "Authorization: Bearer hp_live_…" \3 -H "Idempotency-Key: ord_9182" \4 -d '{5 "amount": 2499,6 "currency": "usd",7 "customer": "cus_northwind"8 }'
Checkout & links
Hosted flows and shareable payment links.
Subscriptions
Trials, pauses, past-due — clear lifecycle states.
Fraud & risk
Scores and disputes in plain merchant language.
Team roles
Owner, finance, developer, support, viewer.
3D challenge
Bank verifies the buyer · then HavenPay captures
Fraud protection
3D Secure that blocks fraud before it hits you
HavenPay can require 3D Secure on risky or high-value checkouts. The customer confirms the payment with their bank — not just the card digits — so stolen cards and bot checkouts get stopped at the door.
Prove the cardholder is present
3D Secure challenges the buyer with a one-time code, biometric, or bank app approval before the charge completes.
Stop stolen-card checkouts
Fraudsters with only the card number usually fail the bank challenge — so fake orders never reach your ledger.
Shift liability on authenticated sales
When 3D Secure succeeds, liability for many fraudulent chargebacks moves to the issuer under scheme rules — protecting your balance.
Platform metrics
Numbers that matter when money moves
Volume, settlement reliability, and API performance — the same signals merchants track in the HavenPay dashboard.
Payment volume
Processed through HavenPay · last 12 months
$4.2M+18.2%
Year-over-year growth
Primary goal
Settlement reliability
Successful charges that settle into available balance on schedule.
99.97%Target: 99.99%
API-first merchants
Teams shipping with keys and webhooks grew 31% this quarter — the same stack powering checkout, refunds, and payouts.
Volume processed
$128M
+18.2%Active merchants
3,420
+11.4%Median API latency
142ms
−12.6%Dispute rate
0.38%
−0.09%FAQ
Answers, by topic
Pick a category to browse clear answers about HavenPay — product, ledger, payments, and your account.
Knowledge base
General questions
What HavenPay is, who it is for, and how to start.
HavenPay is a merchant payments platform — checkout, balances, payouts, risk controls, and developer APIs in one account.
