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Better Merchant Processing

Accept credit cards.

Fast and easy approval for digital and e-commerce marketers.

GroovePay® is the leading merchant account solution for online and eCommerce businesses, offering world class value and service the US market.

Apply Now
graphic referring to GroovePay™

Why Choose Us?

Billions of dollars of e-commerce processing history means important relationships is our business. We are the Jerry Maguire’s of the merchant processing world.

  • Fast Same Day Approvals

  • Start processing soon. Apply now and get your welcome email in as little as 20 minutes in most cases. Need to talk us about your business model first? Contact us with the links above.

  • Easy Integrations

  • Works with every platform and gateway like Authorize.net, NMI and more.

  • Real Relationships

  • Sleep better knowing you’re in good hands. Emergency or urgent situation? We are just a phone call away nearly anytime of day or night. We go to bat for you.

  • Competitive Pricing

  • Our relations and volume allow us to put more money in your pocket at the end of the day.

    See How We Compare

    Unlike the others, we have no list of fees.

    See why smart business owners choose GroovePay™.

    Other Merchant Providers


    +$0.30 per transaction

  • Application Fee: $99

  • Monthly PCI Fee: $20

  • Annual Fee: $99

  • Minimum Processing Fee: $25/mo

  • Cancellation Fee: $495

  • International Sales Rates: 4.9% to 5.9%

  • Debit Card Transactions: Plus 1% to 2%

  • Gateway Fee: $40/mo

  • Long Term Contracts

  • Hidden Statement Fees

  • Slow Deposit Times

  • Slow Approval Process

  • No Relationship With The Owners

  • Additional Monthly Fees:
    $125.00 + per month

    with all factors. Plus higher rates, other international
    plus costly contracts and cancellation fees.


    as low as*


    +$0.25 per transaction⁺

  • No Application Fees

  • No Monthly PCI Fees

  • No Monthly Statement Fees

  • No Annual Fees

  • No Minimum Monthly Processing Fees

  • No Cancellation Fees

  • Flat Rate Pricing

  • Lowest Flat Rate for for Debit Card Transactions

  • Lowest Flat Rate per Transaction Fee.

  • No Gateway Fees

  • No Long Term Contracts. Month to Month.

  • Super Fast Deposits

  • Instant Approvals⁺

  • Emergencies? Call us anytime, day or night. We

    have your back.

  • Additional Monthly Fees:


    * ⁺For qualified countries, products, and services

    Apply Now

    No Fine Print

    Flat Rate Pricing

    You don’t need to be an accountant to figure out your PayPal, or other Merchant Account billing.

  • Same Rates Always Apply. Are you aware that  PayPal, and many other merchant processors all charge different rates for USA and Non-USA? Making a sale in Mexico? PayPal for instance is 4.40% plus $4.00 USD where we are the same flat rate. 2.85 plus $0.25. Don’t be fooled by the low BANNER price and pay more in the fine print.

  • Same Per Transaction Fees. You will also pay us only $0.25 per transaction. With PayPal and others it can be as high as $10 per transaction plus the processing fee.

  • The Volume Pricing Myth. Don’t get fooled by old articles online. PayPal no longer offers volume pricing. With GroovePay®, we have lower rates and no gateway fees. Contact us to see if you qualify.

  • graphic referring to GroovePay™

    Fast Approval

    No Reserves

    No Holdback

    Domestic Bank

    Next-Day Deposits

    You Are

    4 Steps Away

    Of Getting The Best Processing

  • Step #1

  • Talk to Us – 1-844-GROOVE-1

    Let’s talk and we can show you why we are the best option for you. With experience in over half a billion dollars in annual processing, no one has more experience in processing for digital and physical products than our team.

  • Step #2

  • Apply

    Easy online application.

  • Step #3

  • Get Approved

    Fast approvals to get you processing sooner.

  • Step #4

  • Start Selling

    Sales can be run as soon as you activate your account.

    Who We Can Help

    Historically, we’ve partnered with and processed the payments for the Who’s Who of the internet marketing and e-commerce communities.

  • Digital Marketers

  • Influencers, Educators, Passion Project Experts, Launch Gurus

  • eCommerce

  • Physical Products, Print-On-Demand, Drop Shippers

  • Health and Wellness

  • Fitness, Diet, Health Marketing Educators

  • Consultants

  • Authors, Speakers, Coaches, and Consultants

  • Live Events

  • Large Multi-Speaker Sales Events, Workshops

  • Software Services

  • SAAS, Online Software, Apps, Desktop Software

  • Small Business

  • Brick And Mortar, Salons, Storefronts, Food Services

  • Professional Services

  • B2B, Agencies, Accounting, Advertising, Legal

    Finally, a payment solution to replace your other merchant providers and PayPal

    For new and experienced online merchants! We can even help you apply for American Express in the same application.

    graphic referring to GroovePay™ as a payment solution

    Meet Our Founders

    Leveraging our knowledge of process, platforms and relationships for you.

    photograph of Groove Digital's COO Matt Serralta

    Matt Serralta

    Matt is co-founder of GroovePay® and has more than 10 years of senior and executive-level management experience in executive operations, sales, P&L, and the field of e-commerce. Former COO of Prestashop as well as former consultant for Office Depot. Matt brings years of e-commerce marketing and development experience to GroovePay®.

    photograph of Groove Digital's CEO Mike Filsaime

    Mike Filsaime

    Mike is co-founder of GroovePay® and was the co-founder of companies such as Kartra, WebinarJam, EverWebinar, and Marketers Cruise. Mike has launched and sold many multi-million dollar brands and the companies he has founded have done more than or sold for a combined $100 million in revenue and sales. Mike's relationships with leaders in the industry allows GroovePay® to have the most intimate understanding of what a digital and e-commerce marketer needs.

    photograph of Groove Digital's President John Cornetta

    John Cornetta

    John is co-founder of GroovePay® and is a serial entrepreneur who has a deep understanding of e-commerce as an online merchant. His e-commerce stores do 6-figures per month in volume. John knows what e-commerce marketers need when it comes to processing and that allows GroovePay® to be a leader in merchant processing for e-commerce sellers.

    Easy integration with GrooveKart™ and other e-commerce platforms!

    We will work on your behalf to make sure your online payment processing is smooth and reliable.

    GrooveSell™ Digital Marketing Solution and GrooveKart™ eCommerce Solution

    Groove provides an online digital marketing and e-commerce platform to easily sell products online.

    Get Approved Fast

    Fast and easy approvals to start taking online payments quickly.

    Gateway Access

    Bring your own gateway or get a merchant account and gateway with our partners.


    Why do I need a Merchant Account?

    A merchant account allows you to have the full payment processing abilities of large businesses, offering you flexibility and protection that isn't always found with "light" versions payment processing options.

    What if I am already taking PayPal?

    Besides pricing advantages, having a bank sponsored merchant account gives you credibility with your customers and offers payment options to your customers who do not want to use PayPal.

    Stripe is an option many small merchants use to process payments, but it does not offer the flexibility of a bank sponsored merchant account. Simply put, having a bank sponsored merchant account allows your company to process more e-commerce credit card sales than typical online payment solutions. Your customer never knows the difference between Stripe and a bank sponsored merchant account. A bank sponsored merchant account provider works hard to understand your business model, which may generate large fluctuations in your credit card processing volume. With bank sponsored merchant accounts you can have back-ups or get others in the case of a shut down or suspension. You can also get better rates that with Stripe. If you lose your stripe account you can't get a new one and won't have a backup solution. Stripe is quick to approve and will only do due diligence after your do any volume. Which means you can get shut down after all your hard work is in place. A bank sponsored merchant account through GroovePay™ will do these things upfront so you don't get surprises later.

    What if I am already using Shopify Payments?

    If you're using Shopify Payments, then you already know the high cost involved. Add a real merchant account option to your backend in order to save money on your processing fees.

    What if I already have a merchant account?

    That's fantastic! We are always seeking out merchants who have current processing that need better rates and better service. In addition, most marketers have several merchant accounts as backups.

    Why do so many experts recommend having backup merchant accounts?

    Online ecommerce merchants and digital marketers often times experience large swings in processing volume, leading to merchant account providers placing holds or restrictions on your accounts. GroovePay™ partners with processing entities who understand our merchants, their business and online sales that fluctuate.

    Should I have a different merchant account for each product (brand/website) that I sell?

    Yes. Avoid chargebacks and disputes that arise from using generic business names when you sell online. It is advisable to keep your merchant accounts, and branding/websites in alignment so that a customer recognizes the name of your brand/website/product immediately.

    What is a relationship Payment Provider?

    We are the Jerry Maguire of the Merchant Processing Business. GroovePay™ functions as a relationship payment provider, using our base of merchants and knowledge of the industry to develop strong relationships with our preferred payments partners. We understand the peaks and valleys in online sales, often acting as a mediator on behalf of GroovePay™ merchants with our preferred payments partners. Our background in ecommerce and risk management gives us unique leverage and the ability to speak in payment processing language to our preferred payments partners.

    Do you work with GrooveKart™, GroovePages™, GrooveSell™, Kartra, Shopify, ClickFunnels, Infusionsoft, 1ShoppingCart, WooCommerce etc?

    Yes. We work with all of these online platforms, and many others.

    Do you offer HIGH-RISK merchant accounts?

    Yes. If you need a merchant account for live events, call centers, high-end coaching. We can help. If you have had processing problems in the past we may still be able to help. Prior Reserves? We can help. Lost your PayPal or Stripe? We can help. Bad credit? We can help. We have made connections for any need.

    Can I apply for GroovePay in my country?

    Following is a complete list of the countries currently supported by GroovePay

    • United States

    • Australia

    • Austria

    • Belgium

    • Brazil

    • Bulgaria

    • Canada

    • Cyprus

    • Czech Republic

    • Denmark

    • Estonia

    • Finland

    • France

    • Germany

    • Greece

    • Hong Kong

    • Hungary

    • Ireland

    • Italy

    • Japan

    • Latvia

    • Lithuania

    • Luxembourg

    • Malaysia

    • Malta

    • Netherlands

    • New Zealand

    • Norway

    • Poland

    • Portugal

    • Romania

    • Singapore

    • Slovakia

    • Slovenia

    • Spain

    • Sweden

    • Switzerland

    • United Kingdom