Real-time authorization in under 200ms. Multi-channel support for card-present, ecommerce, and mobile payments — all from a single, PCI-compliant integration. Ship faster, scale confidently.
No setup fees · Free sandbox · Go live in minutes
1// Create a charge with usaepya API2const response = await usaepya.charges.create({3amount: 4999,4currency: "usd",5channel: "ecommerce",6source: "tok_visa_4242",7capture: true,8metadata: { orderId: "ORD-8821" },9});10// Response: authorized in 180ms11console.log(response.status);12// → "authorized"
usaepya gives developers the APIs they need and merchants the reliability they demand — all on one modern, scalable infrastructure.
Integrate payments into any application in minutes with our RESTful API and comprehensive SDKs. Accept cards, ACH, and digital wallets with a single unified endpoint.
Automate your revenue with flexible subscription plans, smart retry logic, and automated dunning management. Reduce churn and maximize lifetime customer value effortlessly.
Accept payments from any browser — no hardware required. Manually key in transactions, process card-on-file charges, and manage refunds from a single web interface.
Protect every transaction with real-time machine-learning fraud scoring, CVV verification, and customizable rule engines. Minimize chargebacks without blocking legitimate customers.
Transact in 135+ currencies with dynamic currency conversion and transparent exchange rates. Expand globally and let customers pay in their local currency from day one.
Monitor transaction volume, settlement status, and revenue trends in a live analytics dashboard. Export custom reports and integrate raw data directly into your BI tools via webhooks.
Ready to see it in action?
Explore our full API documentation or speak with a solutions engineer today.
const usaepya = require('usaepya');
const client = new usaepya.Client({
apiKey: 'sk_live_your_api_key_here',
environment: 'production'
});
async function createCharge() {
const charge = await client.charges.create({
amount: 4999,
currency: 'USD',
description: 'Pro Plan Subscription',
customer: {
email: '[email protected]',
name: 'Jane Smith'
},
metadata: {
order_id: 'ORD-20240115-001'
}
});
console.log('Charge created:', charge.id);
return charge;
}
createCharge();{
"id": "chg_01HX9M2KPQR7T3N",
"status": "succeeded",
"amount": 4999,
"currency": "USD",
"created_at": "2024-01-15T14:32:01Z",
"description": "Pro Plan Subscription",
"customer": {
"email": "[email protected]"
}
}usaepya was architected from the ground up for engineering teams. Clean abstractions, thorough documentation, and libraries that feel native to your stack — so you ship payment features faster.
RESTful JSON API
Predictable, resource-oriented endpoints with full OpenAPI 3.0 documentation.
Sandbox Environment
Isolated test mode with real-time responses and simulated failure scenarios.
Webhook Events
Instant, signed event delivery for charge updates, disputes, and payouts.
SDKs for Major Languages
Official libraries for JavaScript, PHP, Python, Ruby, Go, Java, and .NET.
usaepya plugs directly into the platforms and tools your business already runs on — no rebuilds, no friction, no compromises.
Shopify
E-CommerceWooCommerce
E-CommerceMagento
E-CommerceQuickBooks
AccountingSalesforce
CRMStripe
PaymentsXero
AccountingHubSpot
CRMBigCommerce
E-CommerceNetSuite
ERPSlack
NotificationsZapier
Automation50+ More
Growing library
Don't see your platform? Our REST API connects to anything.
See All Integrationsusaepya is built security-first, from the ground up. Every transaction flows through multiple layers of enterprise-grade protection so your business and your customers stay safe — always.
usaepya holds PCI DSS Level 1 certification — the most rigorous tier of the Payment Card Industry Data Security Standard. Independently audited every year by a Qualified Security Assessor, our infrastructure meets the strictest requirements for handling, storing, and transmitting cardholder data. Your merchants inherit this compliance posture automatically.
Sensitive payment data is encrypted at the moment of capture — before it ever touches the network — and remains protected all the way through authorization and settlement. usaepya uses AES-256 encryption with TLS 1.3 in transit, ensuring that no intermediate system or actor can read cardholder data in plaintext at any point in the payment lifecycle.
usaepya replaces real card numbers with unique, non-reversible tokens immediately upon capture. These tokens power recurring billing, one-click checkout, and subscriptions without exposing actual PANs to your servers or databases. Even in the event of a breach, tokens are mathematically worthless to attackers — protecting your customers and your reputation simultaneously.
Security documentation, compliance reports, and penetration test summaries are available to enterprise partners under NDA. Contact our security team to request access.
View Security DocsFrom independent retailers to high-growth SaaS platforms, businesses rely on usaepya to keep revenue flowing without friction.
“We run three retail locations and needed payments that work both in-store and online. usaepya unified everything — our reconciliation used to take hours, now it's automatic. Customer support is responsive and genuinely helpful.”
Sandra Okafor
Owner & Director
“Switching to usaepya cut our checkout drop-off by 23{c9d393b960216dbb9db132348d5880c342a083d2ef1fb7028e68a85ef7377326}. The API is incredibly well-documented, and the sandbox environment let our team ship in under a week. We process over $2M monthly without a single unresolved dispute.”
Megan Torres
CTO & Co-Founder
“usaepya's recurring billing tools are exactly what a SaaS company needs. Dunning management, smart retries, and real-time webhooks — all in one platform. Our failed payment recovery rate jumped from 54{c9d393b960216dbb9db132348d5880c342a083d2ef1fb7028e68a85ef7377326} to 81{c9d393b960216dbb9db132348d5880c342a083d2ef1fb7028e68a85ef7377326} in the first quarter.”
Daniel Kim
VP of Engineering
“Switching to usaepya cut our checkout drop-off by 23{c9d393b960216dbb9db132348d5880c342a083d2ef1fb7028e68a85ef7377326}. The API is incredibly well-documented, and the sandbox environment let our team ship in under a week. We process over $2M monthly without a single unresolved dispute.”
Megan Torres
CTO & Co-Founder
Join 4,200+ businesses already processing with usaepya
Talk to our teamPayments Built for Developers, Trusted by Merchants.
Get the latest API updates, developer news, and payment insights delivered to your inbox.
© 2026 usaepya. All rights reserved.