Apply
Tell us about your store: products, expected volume, shipping times, and your live site.
Stripe Connect platform for e-commerce
You sell.We carry the risk.
Rayem Pay onboards your store onto its Stripe Connect platform and takes on liability for disputes, chargebacks, and negative balances. You focus on selling. We handle the rest.
- Live in 48 hours
- No long-term contract
- Payments processed by Stripe
M
Live
mystore.comConnected account · Rayem Pay
Collected today$3,482.9041 payments
Next payout$2,917.40In 2 business days
Disputes and negative balances covered by Rayem Pay
TransactionsStatus
Why Rayem Pay
Same payments.
Same payments.
None of the risk on you.
With a standard merchant account, every dispute, every chargeback, and every negative balance lands on you. At Rayem Pay, that's our job.
Standard merchant account
With Rayem Pay
Dispute liability
StandardYou
Rayem PayRayem Pay
Negative balances
StandardYour responsibility
Rayem PayCovered by Rayem Pay
New store, no history
StandardFrequent reserves and holds
Rayem PayApproved after review
Chargeback responses
StandardYou build the case
Rayem PayRayem Pay prepares and submits the evidence
Point of contact
StandardTicket-based support
Rayem PayA dedicated contact
How it works
From application to first payout.
Four steps, one point of contact. You don't need to open a Stripe account yourself.
Review and verification
Rayem Pay reviews your business. You verify your identity through Stripe's secure form.
Go live
Your connected account goes live on the Rayem Pay platform. We set up checkout: hosted checkout, payment links, or API.
Get paid
Customers pay, and funds land in your bank account automatically every 2 business days.
Risk is our business
What Rayem Pay takes on.
As a Stripe Connect platform, Rayem Pay is accountable to Stripe for the accounts it onboards. Here's what comes off your plate.
Disputes and chargebacks
Rayem Pay tracks every dispute, gathers evidence with you, and responds within card network deadlines.
Negative balances
If your balance drops below zero after a dispute or refund, Rayem Pay covers it with Stripe.
Fraud prevention
Every payment runs through Stripe Radar, with 3D Secure when risk calls for it, to stop stolen cards up front.
Refunds
Full or partial refunds in one click. Your balance is adjusted automatically on upcoming payouts.
A fair partnershipWhat we ask in return
- Ship orders within the timeframes you promise customers.
- Respond to customers quickly and resolve their requests.
- Send us proof of delivery when a dispute comes in.
- Sell only products allowed under Stripe's terms.
- Depending on your business, a temporary reserve may apply to part of your payouts. It's released on a schedule set at onboarding.
Who it's for
Built for stores that move fast.
New stores
No sales history yet? Rayem Pay looks at your business, not just your track record.
- Fast approval after review
- Hands-on help with setup
Growing DTC brands
Your volume is climbing and every dispute matters. Scale with peace of mind.
- Disputes handled by Rayem Pay
- A dedicated contact who knows your store
Stores with seasonal peaks
Black Friday, Cyber Monday, the holidays, product drops: plan your volume spikes ahead of time with Rayem Pay.
- Volume spikes planned together
- Post-season disputes taken care of
Pricing
Simple pricing. Risk coverage included.
One rate per transaction, and that's it. Dispute handling and risk coverage are built in.
Per successful transaction
7%+$0.30
Your final rate depends on your industry and volume.
- No setup fees
- No long-term contract
- Dispute handling included
- Automatic payouts every 2 business days
Dispute and negative balance coverage included in the rate.
Talk pricing
Estimate your fees
Adjust your monthly volume and average order value.
$1,000$200,000
$10$300
Transactions / month440
Monthly fees$1,672.00
Effective rate7.60%
Net payout / month$20,328.00
Estimate only, excluding refunds and disputes. Your final rate is confirmed when we review your store.
Trust
Built on Stripe's infrastructure.
Rayem Pay runs on Stripe Connect for payments, identity verification, and payouts. Your customers' card data never touches your servers.
PCI DSS Level 1 Stripe infrastructure
3D Secure 2
Stripe Radar fraud protection
Cards · Apple Pay · Google Pay
135+ currencies
Stripe identity verification
FAQ
Questions we get asked.
Something else on your mind? Reach out through the form. We reply within 1 business day.
What does "Rayem Pay carries the risk" mean?
Your store is onboarded as a connected account on Rayem Pay's Stripe Connect platform. Rayem Pay is then liable to Stripe for that account's disputes, chargebacks, and negative balances.
If a customer disputes a payment and your balance can't cover it, Rayem Pay covers the difference with Stripe.
Do I need a Stripe account?
No. Rayem Pay creates your connected account on its platform. You simply verify your identity and bank details through Stripe's secure form.
How long does it take to go live?
Usually within 48 hours of receiving a complete application. That includes Rayem Pay's business review and Stripe's identity verification.
What kinds of businesses do you accept?
Only businesses that comply with Stripe's terms of service. Products and services that Stripe prohibits or restricts are declined.
Rayem Pay reviews every store before onboarding and may decline an application.
When do I get paid?
Funds are paid out automatically to your bank account every 2 business days once your account is fully active. Your first payout may take a few extra days, per Stripe's rules for new accounts.
What happens when a customer files a dispute?
You're notified as soon as the dispute opens. Rayem Pay asks you for what's needed, like proof of delivery or your messages with the customer, then prepares and submits the response.
If the dispute is lost and your balance can't cover it, Rayem Pay covers the negative balance with Stripe.
Is there a reserve on my payouts?
Depending on your business, a temporary reserve may apply to part of your payouts. It lets Rayem Pay carry the risk responsibly, and it's released on a schedule shared with you at onboarding.
Onboarding
Ready to sell worry-free?
Tell us about your store in two minutes. We'll get back to you with a decision and a rate that fits.
- No long-term contract
- Reply within 1 business day
- Live in 48 hours
Prefer to talk? Reach us at rayemamby99@gmail.com or +1 (628) 290-2998.