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Payment processing,
the easy way.

HL Hunt Payment Processing lets you accept payments online, in person with Tap to Pay on any phone, and by invoice, including high-risk industries other processors turn away. Pay out to anyone, see every dollar in one place, and let built-in AI agents fight disputes while real people answer when you call.

  • 0.8-second authorizations
  • Same-day settlements
  • Underwriting done up front
  • We never shut you down
Start freeRead the docs
A customer making a contactless payment

Payments with HL Hunt

One place to run every payment

Accept payments, move money, manage payouts, and see every transaction in one place. Here is what you can do on day one.

Ready to take your first payment?

Create an account, get approved up front, and start processing today.

Create account

One platform.
Accept. Pay out. Reconcile.

See checkoutStart building

Accept

Take a payment from anyone, anywhere, right now. Cards, Apple Pay, Google Pay, bank debit, Pix, SEPA, UPI, plus 3-D Secure (3DS) and network tokens for step-up when risk is high.

Pay out

One-time and recurring payouts to every individual and every business. 180+ countries, 135+ currencies, 60+ local rails, instant, same-day and scheduled, with FX locked at quote time.

Reconcile

Real-time ledger, automatic settlement matching, and dispute management. An AI tunes your routing and retry rules as approval rates change. Post-checkout money ops that never sleep.

Everything included

The complete payments stack, with an AI team built in.

Accept, pay out, reconcile, and fight fraud from one account. Every capability below is live on every plan, no add-ons, no enterprise gate.

81%
dispute win rate
AI agents

Seven agents that run your payments ops 24/7.

Dispute, Fraud, Recovery, Reconciliation, Billing, Insights, and Support agents work your account around the clock. You approve, they execute.

Checkout

One checkout, 100+ payment methods.

Cards, wallets, bank debits, BNPL, and local rails, auto-ranked per shopper.

$0
Hardware
Tap to Pay

Any phone is a card reader.

Tap to Pay on iPhone and Android. Contactless cards and wallets, no hardware, same published rate.

Payouts

Instant payouts to 180+ countries.

Instant, same-day, and scheduled, with FX locked at quote time.

+4.2 pts
avg. authorization lift
Smart routing

Approval rates that climb on their own.

Multi-acquirer routing and retry logic retuned continuously by the Recovery Agent.

Fraud

Block fraud, not customers.

Network-wide signals, device intelligence, and adaptive 3-D Secure step-up.

Ledger

A real-time ledger your finance team trusts.

Every cent, every fee, every FX move, matched to settlement automatically.

Marketplaces

Split payments, escrow, and seller onboarding.

Route funds to any number of parties in a single charge, with KYC handled.

Billing

Subscriptions, usage, and invoicing.

Trials, proration, dunning, and revenue recognition out of the box.

Global

135+ currencies, local pricing.

Present local prices, settle in your currency, and hedge FX with one flag.

Compliance

PCI DSS Level 1, SOC 2 Type II.

Vaulting, network tokens, and audit trails are standard on every plan.

Developers

Ship in an afternoon.

A documented REST API, signed webhooks, and a test mode with test cards before you go live.

Create your accountExplore all features

For merchants · For developers · AI-native by design

A complete payments toolkit.

Everything you need to accept payments, move money, and grow revenue in one platform. AI agents that fight disputes and recover revenue, an assistant that runs your operation from a chat, and an open API with public docs and public pricing.

Read the docsGet an API key

  1. One API for payments and payouts.

    One Application Programming Interface (API) covers every money movement: card acquiring, bank debits, wallets, instant payouts, foreign exchange (FX), refunds, disputes, and a real-time ledger. Same key, same workflow engine, chainable in a single session, no extra integration work between products.

    Read the API docs
    HL Hunt API
    Card Acquiring
    Payouts
    FX
    Disputes
    Ledger
    Subscriptions
    Wallets
    Bank Debit

  2. A payments team that runs itself.

    HL Hunt ships with a team of AI agents working around the clock on your account. The moment a chargeback lands, the Dispute Agent pulls the transaction record, compiles AVS, CVV, device, and delivery evidence, writes a reason-code-specific rebuttal, and submits it before the deadline. Fraud, Recovery, Reconciliation, Billing, Insights, and Support agents handle the rest.

    Meet the agents

    Dispute Agent

    Agent 01 · Activity

    Live

    • New dispute detected on charge #8841 — evidence packet compiled (12 items)

      2 min ago

    • Rebuttal drafted and submitted for dispute #8792

      1 hr ago

    • Dispute #8740 resolved in your favor — $312.00 recovered

      Won

      3 hrs ago

    Agent 02

    Fraud

    Agent 03

    Recovery

    Agent 04

    Reconcile

  3. Just say it. It's done.

    The HL Hunt AI Assistant runs your entire payments operation from a chat. Send an invoice, refund an order, create a $99/month subscription link, or ask how much you processed last week, all in plain English. No dashboard digging, no code, no menus.

    Try the assistant

    HL Hunt Assistant

    Online

    Hey, send an invoice of $50 to info@hlhunt.org

    Done. Invoice #INV-2047 for $50.00 sent with a secure pay link. I'll follow up automatically if it's unpaid in 7 days.

    Invoice INV-2047 · $50.00Sent

    How much did we process this week?

    You processed $18,240.50 across 214 transactions — up 12% from last week. Next payout of $6,410.22 lands tomorrow.

    Refund order #4821…

  4. Accept payments however they want to pay.

    Online, in-person, mobile, or over the phone, one platform covers every channel. Cards from every major network, Tap to Pay on any smartphone with no extra hardware, Apple Pay and Google Pay, branded invoices, payment links, a virtual terminal, ACH and bank transfers, email to pay, and recurring billing with dunning and smart retries built in.

    See every channel

    Payment channels

    12 channels · 1 platform

    • Credit & debit cards

      Most popular

    • Tap to Pay

      No hardware

    • Apple & Google Pay

    • Invoicing

      B2B ready

    • Virtual terminal

      MOTO

    • Pay by phone

    • Payment links

      No code

    • ACH & bank transfer

    • Email to pay

    • Recurring & subscriptions

      Smart retries

  5. We never shut down your processing account.

    Legacy processors freeze funds and terminate merchants with an automated email. HL Hunt believes in partnership and transparency: underwriting is done right up front, so you are approved before your first charge, not after. No surprise reserves, no frozen funds, no automated terminations, and a human team on call 24/7.

    Read our merchant promise

    Account standing

    Active · Underwritten

    Merchant · acct_hh_2047

    $1,248,310.44

    processed · last 30 days

    Reserve

    0%

    Holds

    None

    Next payout

    Today

    • Underwriting completed up front

      Approved before your first charge, not after.

    • No automated terminations

      A human reviews every risk signal with you.

    • Funds never frozen without notice

      Transparent timelines, written in your agreement.

  6. Any rail. Any country. Any use case.

    Compose any flow from 25+ modules, 135+ payment methods, 150+ currencies with instant FX, and local acquiring in every major market. The same orchestrator runs checkout for a SaaS, split payments for a marketplace, instant payouts for a gig platform, or usage-based billing for a platform, you pick the steps and the order.

    See every module
    Workflowmarketplace-payouts-v2
    180+ countries
    • Card Acquiring
    • Apple / Google Pay
    • 3DS Step-up
    • Network Tokens
    • Fraud Scoring
    • Bank Debit (ACH, SEPA)
    • Instant Payouts
    • Multi-currency FX
    • Split Payments
    • Seller Onboarding
    • Smart Retries
    • Dispute Auto-respond
    + 21 more modules · 60+ local rails2.99% + $0.30/txn

  7. Pay for what you use. That's it.

    Every price is published on /pricing: cards start at 2.99% + $0.30, instant payouts 1.0%, FX 1.0%. No minimums, no annual contracts, no hidden interchange. Test mode, docs, and API are open from minute one with no demo gate, so you can sign up, grab a key, and take your first live payment the same day.

    See every price
    Public price list/pricing
    • Card payment (domestic)2.99% + $0.30
    • Card payment (international)3.99% + $0.30
    • Bank debit (ACH)0.8%, $5 cap
    • Instant payout1.0%
    • FX conversion1.0%
    • Dispute handling$15.00
    Starting rate, all cards2.99% + $0.30

  8. Open API. Documented end to end.

    Every endpoint is open and documented: capture or void a payment, blocklist a card, download a receipt, edit a routing rule, or query the event log. Webhooks are signed with HMAC so you can prove every event came from us. Full documentation lives at payments.hlhunt.org/docs.

    Browse the API reference
    REST · OpenAPI 3docs.hlhunt.org
    • POST/v3/payments/28ms201
    • GET/v3/payments/{id}/status/24ms200
    • PATCH/v3/payments/{id}/capture/
    • GET/v3/payments/{id}/receipt-pdf/
    • POST/v3/payouts/{id}/batch-upload/
    • POST/v3/refunds/

    Every endpoint open · every webhook HMAC-signed.

  9. 0.8-second authorizations. Same-day settlements.

    Authorizations complete in 0.8 seconds end-to-end, measured in production, not claimed in a deck. AI-powered routing sends every transaction down the path with the highest approval rate, and our fraud models score 500+ signals per transaction before authorization. 99.99% uptime on redundant infrastructure, so checkout never goes down.

    See live status
    End-to-end latency · US99.99% SLA
    • p500.82s
    • p951.42s
    • p991.89s

    Fastest authorizations in market · iPhone, Android, desktop, POS, 5G or 2G.

01 / 09

How it works

Process payments with HL Hunt, start to finish.

From the moment a customer taps pay to the moment your books close, every step runs on one platform with an AI team handling the work in between.

Live payment lifecycle
pay_3Qx9Lk2eZ · 412 ms end to end
  1. 1
    Customer pays
    $100.00
    Card, wallet, ACH
  2. 2
    Fraud agent
    18 ms
    Score 0.03 · approved
  3. 3
    Smart routing
    Acquirer B
    Highest auth odds
  4. 4
    Network
    Approved
    Auth 7F2K1
  5. 5
    Ledger
    $97.10
    Fee $2.90 booked
  6. 6
    Payout
    Next day
    Or instant to debit
  1. 01Onboard

    Approved in a day, not weeks.

    Create an account, pass KYB in minutes, and start in sandbox immediately. Live keys follow as soon as underwriting clears, usually the same business day.

    • Instant sandbox access
    • Same-day underwriting for most merchants
    • High-risk verticals welcome
    Create your account
  2. 02Accept

    Every payment method, one integration.

    Cards, wallets, ACH, BNPL, and 100+ local methods through one checkout, one API, or a tap on your phone. Our routing picks the acquirer most likely to approve each transaction.

    • Hosted and embedded checkout
    • Network tokens and 3-D Secure built in
    • +4.2 pt average approval lift
    See every payment method
  3. 03Protect

    Fraud blocked and disputes fought for you.

    A fraud agent scores every attempt in under 30 ms. When a chargeback lands, a dispute agent assembles the evidence and files within the hour. You only hear about it when it is won.

    • 81% dispute win rate
    • Fewer false declines than rules alone
    • Chargeback alerts before they post
    Meet the fraud and dispute agents
  4. 04Pay out

    Money lands where it should, when you say.

    Settle to your bank next day or instantly to a debit card. Split payments to sellers, contractors, or partners on any schedule, in 135 currencies.

    • Instant payouts, 24/7
    • Marketplace splits and escrow
    • Multi-currency settlement
    Explore payouts
  5. 05Reconcile

    Books that close themselves.

    Every charge, fee, refund, and payout lands in a double-entry ledger you can query. Reconciliation runs nightly, flags exceptions, and syncs to your accounting stack.

    • Real-time ledger and balances
    • Auto-match to bank deposits
    • QuickBooks, Xero, NetSuite sync
    See reconciliation
Start processing todayRead the integration guide

Built for your industry

Whatever you sell, however you sell it.

Pre-tuned routing, risk models, and payout schedules for the businesses we serve most, including the ones other processors turn away.

See all 15 industries

High-risk industries

Turned down or shut off elsewhere? We underwrite these in writing.

Dedicated merchant accounts for 22 high-risk verticals, with reserves and terms disclosed before go-live and no automated terminations.

See all high-risk industries

HL Hunt Capital

Need cash? Your sales history is your application.

After a few months of processing with HL Hunt, you get a funding offer in your dashboard sized to your volume. Process $10k a month for three months and a $10k offer is typical. Accept it, and we hold back a fixed share of each sale until it is repaid: on a $100 payment, $20 goes to the balance and $80 goes to you as usual.

  • No application, credit check, or personal guarantee
  • Offer sized to your real processing history
  • Pay back automatically from a fixed share of each sale
  • Nothing due on days you do not sell
  • One flat fee, shown up front. No compounding interest
  • Funds land in your HL Hunt balance the same day you accept
Start processing to qualifyHow Capital works

Offers grow as your volume grows. Repay early any time at no extra cost.

See your offer

Example

Typical offer

$10,000

Holdback per sale

20%

Est. payoff

~5 mo

On a $100 payment

$80 to your bank
$20

Offers are based on your last 3 months of HL Hunt processing. The example assumes an offer equal to one month of volume and steady sales. Your actual offer, holdback rate, and fee are shown in writing before you accept.

Trusted infrastructure

Uptime in the last 12 months, SLO measured.
100%

Uptime in the last 12 months, SLO measured.

Breaches since day one. Zero compromised credentials.
0

Breaches since day one. Zero compromised credentials.

Payments processed every month, in person and online.
Tens of Thousands

Payments processed every month, in person and online.

Currencies settled out of the box, with FX locked at quote.
135+

Currencies settled out of the box, with FX locked at quote.

One price list, published

Pay only when money moves.

No monthly fees, no contracts, no setup cost. One rate for every account, with volume discounts that apply automatically as you grow.

Pay as you go

Starting at
2.99%+ $0.30

per successful transaction

25+ modules, every price published. Approved up front, live the same day, and your rate only goes down as your volume goes up.

Create your accountSee all 25+ module prices

Everything included, every account:

  • No monthly, PCI, or setup fees
  • Cards, wallets, bank debit, local rails
  • 200+ fraud signals, blocklist, velocity rules
  • Smart retries across the HL Hunt network
  • Routing builder, dispute management, open API
  • Instant payouts from 0.5% per transfer
  • Local acquiring pricing by country and tier
  • Split payments and marketplace escrow at $0.02
  • FX conversion at 0.4% per settlement
  • White-label checkout under your own brand
  • AI support In-console AI agent, docs, and real humans on the phone.

Volume discounts apply automatically as usage grows. No negotiation, no sales call.

FAQ

Common questions

Why we exist

Money should move like information: instantly, openly, and for a price anyone can read.

Payments got complicated because the people who run them profit from the complexity. We publish our prices, open our API, and let your agent integrate us without a sales call. Infrastructure, not a toll booth.

Read our manifesto

Infrastructure for payments and payouts.

One API for Acquiring, Payouts, FX, and Reconciliation. Integrate in 5 minutes.

Start freeTalk to us