Pay-ins

Accept payments from traders, without the PSP gatekeeping.

TradoPay is your Merchant of Record. You go live faster, get aggregated rates from day one, and skip the standalone PSP relationship entirely.

Request rates How it works
app.tradopay.com/pay-ins
Workspace
Overview
Pay-ins
Pay-outs
Reserves
Reports
Settled this month
£128,645.75
+12.4% vs. April
Live
Cards
£82,420.50
2.6% blended
Crypto
£32,805.20
0.9% blended
Bank transfer
£13,420.05
£0.40 flat
Recent pay-ins
J. Okafor
Card · Visa •••• 4521
Today, 14:22
+£500.00
Settled
M. Hartmann
USDC · Polygon
Today, 13:08
+£12,500.00
Settled
A. Petrova
SEPA Instant
Today, 11:45
+£250.00
Pending
The problem

PSPs weren't built for prop firms.

Standalone PSP deals lock you out until you have volume. By the time you have volume, you're already burning margin on bad rates.

What firms run into

  • High fees until you hit volume — and the volume thresholds keep moving.
  • Monthly minimums on PSP contracts that newer firms can't credibly hit.
  • Slow PSP onboarding — weeks of underwriting before you accept your first card.
  • Fragmented processors — cards here, crypto there, bank transfer somewhere else, four reconciliations.

How TradoPay fixes it

  • Aggregated rates from day one. You inherit our blended pricing across processors — no thresholds.
  • No monthly minimums. Pay only on what processes.
  • Live in days. We're the Merchant of Record — the regulated entity dealing with networks is us.
  • One dashboard. Cards, crypto, and bank transfer settled into a single ledger.
Methods supported

Cards, crypto, bank transfer.

Routed through licensed partners. Reconciled into one ledger. No customer ever knows what happened underneath.

Cards

Visa, Mastercard, Amex, Discover, JCB, UnionPay. 3DS2 enforced. Chargeback handling included.

Crypto

USDC, USDT, BTC, ETH, SOL, BNB on major chains. Settled to fiat the same day or held in stablecoin.

Bank transfer

SEPA Instant, FPS, ACH, Swift, Pix. Flat-fee pricing. Best for high-ticket pay-ins.

Wallets & local

Apple Pay, Google Pay, iDEAL, Sofort, QR rails. 40+ local methods on request.

Included by default

Operational plumbing, handled.

Settlement dashboard

One view across cards, crypto, and bank transfer. Daily settlement reports exportable to CSV or pushed via API.

Chargeback handling

We respond to disputes on your behalf, attach the on-chain receipt where applicable, and absorb the network fees on overturn.

Rolling reserves managed

Required reserves are calculated, held, and released against your firm’s risk profile. No surprises at month end.

Who it's for

Two firms, same product.

Established firms

Better rates than you have today.

You've already negotiated direct PSP deals. Our blended rates are typically 30–60 bps better than what mid-market prop firms see in standalone contracts — without re-onboarding every six months.

New firms

Process payments before you'd otherwise qualify.

Standalone PSP underwriting will turn you down for 18 months. We won't. Get accepting cards and crypto now — without the volume gating.

Ready to see your rates?

Tell us about your monthly volume and we'll come back with numbers within one business day.

Request rates See Pay-outs