Flexible payments for the regulated medical industry.

The only payment partner focused on pharmacy and medical cannabis compliance. Approved in 24 hours.

Let's get started Talk to an account manager

24hTypical approval time

SovereigntyData hosted in Frankfurt, EU

No platform feeOnly a transaction fee

CompliantWith pharmacy & cannabis law

Trusted by leading pharmacies, clinics, and cannabis brands across Germany.

Spital Apotheke zum Heiligen Geist Nürnberg

Purpose built with your industry in mind.

SecPaid specialises in your field, taking the complexity and regulatory headaches away so you can focus on growing your business. Accept payments online and in-store, with platform solutions, split payments, and no-code checkouts, all customized to your business.

Online pharmacy

Licensed prescription and over-the-counter sales, including cross-border fulfilment and compounding.

Online pharmacy merchant accounts Supplements and nutraceuticals

Vitamins, sports nutrition, nootropics, and functional foods, including affiliate-driven and auto-ship funnels.

Supplement merchant accounts Medical cannabis

Licensed medical cannabis across the EU, where regulation varies by market.

Cannabis payment processing Telemedicine and prescription refills

Recurring consultations and refill programs that need compliant subscription billing.

Telemedicine payment processing

app.secpaid.com/disputes

SecPaid disputes screen showing chargebacks under review and their status

A dedicated Account Manager, invested in your success.

Your Account Manager acts as an extension of your own team, handling the everyday payment friction, disputes, fraud rules, and provider relationships, so you can stay focused on growing the business.

Provider selection and setupThey select the right providers for your business and configure your account to match your needs, before you go live.

Dispute Ratio monitoringWe implement strategies to reduce chargebacks, track your dispute ratio against card network thresholds, and step in before it becomes a problem.

Chargeback and dispute management on your behalfWe compile evidence and file the representment, so a dispute does not automatically mean lost revenue.

A direct lineReach your Account Manager by phone or email. No ticket number, no rotating support agents. Response within 2 hours*.

Everything after the "Pay" button, in one place.

A comprehensive suite of tools designed to streamline your payment operations, from accepting payments to managing complex financial flows.

Payment as a Service

Enable the leading payment options your customers are demanding and increase your conversion in a fully secure and compliant infrastructure.

SecPaid is one of the only payment partners specializing in prescription and medical cannabis across DACH.

Advanced fraud & risk management, built in
Easy and secure integration
Optimised for any device

Choose between leading payment methods, wallets, or bank transfers from our connected partners to maximise your conversion.

Visa
Mastercard
Apple Pay
Google Pay
SEPA
American Express
Wero
Instant Bank Transfer

SecPaid checkout screen with Google Pay, a card entry form, Wero, and Instant Bank Transfer as payment options

1Configure

Split configuration

Telemedicine Partner€12.00

Pharmacy€108.00

Auto-settle after payment

2Payment received

Payment received €120.00 From the patient checkout

3Settled

Telemedicine Partner €12.00

Pharmacy €108.00

Settled automatically

Split payments

Automatically split payments between multiple parties. Built with telemedicine and marketplaces in mind.

Percentage or fixed-amount splits, set per partner
Payouts release automatically after settlement
Each partner sees only their own share and payout history

Hi, I'm looking for a simple vitamin C supplement. Sure! I'd recommend our Vitamin C Complex. Great, how do I pay? Sure, please follow the link below and you will find all the payment options available there. https://pay.secpaid.com/vitc-complex

Vitamin C Complex €11.99 Pay now

Paid €11.99

Accept payments on any channel with payment links

Request payments on-demand in a secure, compliant and user-friendly manner with a payment link that can be shared across any channel.

Create payment links directly from the Dashboard or through API.
Open up more revenue opportunities for your business by sending a payment link through email, social media, WhatsApp, and SMS, chat or even in store.

QR codes

Every payment link doubles as a scannable QR code, generated automatically, making it easier for your clients and suppliers to pay their invoices. Better cash flow, get paid faster.

Print on invoices, packaging, or in-store signage
Scans open straight to a secure, hosted checkout with your favorite payment methods
No app or extra hardware required for your customers

ApothekeMusterstraße 1, Musterstadt

Invoice

INV-2031

Item	Qty	Price
Atorvastatin 20mg	1	€24.90
Omega-3 Complex	1	€18.50

Total due€43.40

Scan to payOpens a secure SecPaid checkout

ApothekeMusterstraße 1, Musterstadt

Invoice

INV-2031

Item	Qty	Price
Atorvastatin 20mg	1	€24.90
Omega-3 Complex	1	€18.50

Total due€43.40

Scan to payOpens a secure SecPaid checkout

Scanning…

Pay with Apple Pay

Select payment method

Card

Cardholder name

Card number

Wero

Bank transfer

Pay €43.40

Payment successful €43.40 paid

Checkout provided by SecPaid

Dashboard

One login for your whole payment stack, built for daily use, not just monthly reporting.

Track performance, get a clear view of all payment activity, transaction volume, and overall activity.
Support finance teams: refine financial workflows by enabling finance teams to reconcile monthly invoices and settlements.

Three ways to use SecPaid

Each one fits into your existing systems without changing them. Implementation is simple, and our team is with you every step of the way.

01API – Hosted checkout

SecPaid Checkout on your landing page

From your shop checkout to the SecPaid checkout page, and seamlessly back to your shop after successful payment.

02Invoice & email

Payment link and QR code on every document

Payment options are automatically added to invoices and emails via API, and the customer pays with one click or a QR code scan.

03Automation

Custom workflows with the SecPaid Zapier app

Payment links plug straight into your existing automations, with no development effort on your side.

# Create a payment link
curl -X POST "https://app.secpaid.com/api/v2/createLink" \
  -H "token: YOUR_API_TOKEN" \
  -d "recipient_note=Invoice #1234" \
  -d "amount=250.00" \
  -d "callback_url=1"

// Create a payment link
const res = await fetch("https://app.secpaid.com/api/v2/createLink", {
  method: "POST",
  headers: { token: process.env.SECPAID_TOKEN },
  body: new URLSearchParams({
    recipient_note: "Invoice #1234",
    amount: "250.00",
    callback_url: "1"
  })
});
const { data } = await res.json();
console.log(data.pay_link);

// 200 OK
{
  "ResponseCode": 1,
  "ResponseMsg": "Link has been created successfully",
  "data": {
    "pay_link": "https://app.secpaid.com/payment?link_id=MTI0",
    "amount": "250.00",
    "status": "Unused"
  }
}

Zapier

n8n RESTCustom API

Full API docs

Security and compliance are the starting point, not an afterthought.

SecPaid is compliant payment infrastructure engineered for regulated commerce, designed and hosted in Germany under EU data protection and payments law, so compliance is never bolted on later.

GDPR and German hosting

All data is hosted on certified German cloud infrastructure and processed under EU data protection law.

PSD2, SCA, and 3-D Secure

Strong Customer Authentication is applied only when required, so compliant payments stay frictionless.

End-to-end encryption

Encrypted in transit and at rest with tokenised storage of every sensitive field.

Fraud detection

Machine-learning risk scoring tuned for regulated categories like pharma and cannabis, not generic e-commerce fraud patterns.

Provider neutrality

SecPaid never steers routing for its own benefit. You decide which providers and methods are active.

Developed in Germany

Designed and maintained by a German team, under German company law.

No software fees.
No minimum commitments.

Only a small fee per transaction.

Volume-based

Your rate is set by your monthly volume and improves as you grow.

Agreed at underwriting

We review your category, ticket size, and provider mix, and your Account Manager confirms your rate before you go live.

Everything included

Multi-provider routing, chargeback management, your Account Manager, express support, and payments from 180+ countries, for every merchant.

Let's get started Request a quote

Apply today. Process tomorrow.

Most merchants are approved and processing within 24 hours, reviewed by underwriters who know your industry inside out.

Apply online

Tell us about your business and monthly volume. No paperwork mailed in, no waiting on hold.

Underwriting that knows your category

Our experienced underwriting team has deep knowledge of the industry and will approve your account within 24 hours.

Start processing

Your account manager works with you to configure your account and API keys, and holds your hand through go-live.

Common questions

Do you work with regulated industries like pharmacy, supplements, and cannabis?

Yes. SecPaid is purpose built around regulated categories, including online pharmacies, supplement and nutraceutical brands, and licensed cannabis pharmacies.

How fast can I start processing?

Most merchants are approved and live within 24 hours of applying. Underwriters review applications in your category every day, so your file does not sit in a generalist queue.

Who handles my chargebacks?

Your dedicated account manager does. They compile evidence, file the representment, and track your dispute ratio against card network thresholds on your behalf.

Does SecPaid hold my money?

Payment processing involves the payment service providers and other providers connected to the merchant's configuration. Under the applicable contractual arrangements, the relevant receivable is assigned to SecPaid. Amounts received by SecPaid under this arrangement are subsequently settled to the merchant's designated account, and SecPaid's contractual service fee is accounted for separately. Technical integrations support the relevant payment-related workflows and transfer instructions. Each provider performs the functions applicable to its role.

Can I keep my current payment provider?

Yes. Connect your existing provider first, then add others when you want better rates, higher acceptance, or coverage in a new market. Routing rules decide which one handles each payment.

How much does SecPaid cost?

Your rate depends on your monthly volume, category, ticket size, and provider mix. After a short review, your Account Manager agrees the rate with you before you go live.

How do fees work?

You pay your providers their normal processing fees directly. SecPaid charges a transparent, volume-based fee on top, agreed with your Account Manager during underwriting, and never marks up processor fees.

Ready to get approved?

Apply in minutes and get matched with underwriters who already know pharma, supplement, and cannabis regulation. Most merchants are live within 24 hours.

Let's get started Talk to an account manager

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