Payments infrastructure for businesses where compliance matters most.
Aspire pairs an AI-driven onboarding and monitoring engine with a patent-pending attestational transaction flow — purpose-built for modern merchants, from in-store to ecommerce and card-not-present. Delivered through one platform: a full Pay Center for merchants and a developer API for ISV partners.
- 01End-user attestation captured●
- 02Identity + license cross-check●
- 03Real-time compliance score●
- 04Authorize · settle · audit log●
One platform. Three things we do better than anyone.
Aspire isn't a payments company that happens to do compliance, or a compliance shop that happens to do payments. Both are first-class — and that's why software platforms and growing merchants choose us.
Compliance + AI engine
AI underwriting, continuous monitoring, and an audit-ready trail — built so merchants onboard in minutes and stay clean between reviews.
Inside the engineEnterprise & multi-location
A purpose-built operating model for growing merchants — identity-aware flows, multi-location reporting, plus our patent-pending attestational transaction flow.
See enterprise solutionsPay Center + ISV API
A complete merchant payments platform — invoices, links, recurring, virtual terminal, dual pricing — and a clean RESTful API for ISV partners.
See the platformCompliance and underwriting, engineered as software.
Aspire's compliance engine is why modern merchants — and the banks behind them — choose us. AI-driven underwriting and continuous monitoring run in the background, so merchants board faster, stay compliant between reviews, and produce a clean, defensible record without an army of analysts.
AI-driven underwriting
Document review, business verification, license validation, and risk scoring on every merchant application — minutes instead of days.
Continuous compliance monitoring
Business status, identity, and behavioral signal re-checked on a schedule. Anomalies flagged before they become incidents.
Vertical-aware decisioning
Tuned for the way modern merchants actually operate — identity, business, and policy-aware logic baked into the engine.
Operational automation
Onboarding, KYB, periodic reviews, and remediation flows — orchestrated end-to-end so compliance scales without scaling headcount.
Regulator-ready audit trail
Every decision, evidence document, and data point retained, timestamped, and exportable for internal audit or regulator request.
Built on certified processing partners
Card data is tokenized and vaulted by PCI DSS Level 1 certified processing partners.
The Attestational Transaction Flow.
A patent-pending payment flow that makes every charge verifiable and defensible. Details available under NDA.
- 01
Attestation captured
Required attestations are captured at the moment of transaction and bound to the payment record.
- 02
Context verified
Relevant credentials and policy context are validated in real time before the transaction proceeds.
- 03
Compliance-aware authorization
Authorization only completes when the required conditions align — with a full audit trail behind it.
- 04
Evidence on file
Settlement is paired with supporting evidence so audits and disputes can be answered with confidence.
- Defensible compliance posture on every transaction
- Reduced chargeback exposure on qualifying transactions
- Audit-ready records generated alongside settlement
- Compatible with existing acquirer and processor relationships
And a complete payments platform on top of it all.
On the same infrastructure that powers compliance and attestation, we ship a full merchant Pay Center — used directly by thousands of businesses and embedded by ISV partners through one clean API.
Smart Invoicing
Create invoices and schedule payments in one step. Auto-apply discounts, fees, and sales tax. Branded with your logo.
Payment Links & Requests
Send pay requests via text and email. Single-product or multi-product checkout — no website required.
Recurring & Automatic
Subscription billing, payment plans, and card-on-file automation. Schedule it once and we handle the rest.
Virtual Terminal
Process card-not-present payments from anywhere. No equipment required, instant receipts via email or SMS.
Hosted Payments
Embed branded payment forms on your site or send customers to a hosted page. Custom fields, full security.
Dual Pricing & Surcharging
Compliant cash discounting, credit surcharges, or flat convenience fees — save merchants up to 100% on processing.
The simplest API to put payments inside your software.
A simple RESTful JSON API, prebuilt code snippets, and a sandbox that mirrors production. Onboard merchants, send pay requests, generate links, and process transactions — all from one integration.
- Onboard merchant accounts via API
- Send invoices, requests, and links
- Hosted & embedded payment forms
- Webhooks for every event
- Embeddable checkout + plugins
- Sandbox identical to production
curl https://app.aspirepayments.io/api/invoices \
-u sk_live_xxxx: \
-d customer=cus_8f2lAq \
-d amount=148500 \
-d due_days=7 \
-d delivery[]=sms -d delivery[]=email \
-d surcharge[card]=0.03One platform. Every kind of business that moves money.
Built for multi-location and high-volume merchants.
Centralized reporting across locations, role-based access, B2B billing, and workflow-tuned authorization — with the support and pricing high-volume merchants expect.
Hosted checkout, tokenized vaults, recurring CNP.
Drop-in hosted pages, embedded fields, and card-on-file tokenized and vaulted by PCI DSS Level 1 certified processing partners. Recurring, subscription, and one-click CNP flows with fraud tooling built in.
Embed Aspire payments in your product.
A simple API and prebuilt UI components let your software accept payments, onboard merchants, and earn revenue share — without building a payments stack.
Rates and tools that reward growing businesses.
Interchange-plus pricing, fast funding, dual pricing programs that save up to 100% on processing fees, and U.S.-based support. The Aspire merchants have always known.
Smart invoicing that closes A/R cycles faster.
Recurring billing, payment plans, and automatic card-on-file for accounting firms, agencies, healthcare practices, and B2B service providers.
Rent collection + property software, bundled.
Aspire Reside is a full property operations stack — units, leases, tenants, maintenance, reporting — included free with Aspire Payments rent collection. No per-unit fees.
Frequently asked questions
Aspire Payments is a U.S. payments infrastructure company for merchants and software platforms. Aspire Payments pairs an AI-driven onboarding and monitoring engine with a patent-pending attestational transaction flow, delivered through a full Pay Center for merchants and a developer API for ISV partners.
Aspire Payments works with direct merchants, enterprise and multi-location businesses, ecommerce and card-not-present sellers, professional and B2B services, ISV and software partners, and agents and resellers. Aspire Payments also offers Aspire Reside for property management.
The Aspire Payments Pay Center includes Smart Invoicing, Payment Links and Requests, Recurring and Automatic Payments, a Virtual Terminal, Hosted Payment Pages, and Dual Pricing and Surcharging. Aspire Payments supports card, ACH and eCheck, and digital wallets.
Yes. Aspire Payments offers a simple REST API for ISV partners, with signed webhooks, embeddable checkout, and a sandbox that mirrors production. ISV partners can onboard merchants through their own product, and API documentation is available at dashboard.aspirepayments.io/docs.
Aspire Payments offers transparent interchange-plus pricing for merchants, with optional dual pricing. ISV partners receive a custom revenue share, and enterprise merchants receive volume-based pricing. Aspire Payments charges no setup fees.
Aspire Payments uses AI-driven underwriting with document review and KYB decisioning, followed by continuous business and identity monitoring. This lets merchants board faster and stay compliant between reviews with a clean, defensible record.
Aspire Payments is based in Boca Raton, Florida, at 6601 Park of Commerce Blvd, Ste 11-105, Boca Raton, FL 33487. Aspire Payments provides U.S.-based support.
Merchants can apply online at dashboard.aspirepayments.io/apply. Software platforms and enterprise merchants can contact Aspire Payments sales at sales@aspirepayments.io or +1 (888) 855-1466.
Get paid faster. Save on processing. Or embed it all in your software.
Whether you process directly with Aspire or integrate our API into your platform, we'll have you live quickly — with U.S.-based support every step of the way.