Frame Payments

What is Frame Payments?

Frame Payments is a developer-first payment processing platform designed to serve businesses across all risk categories, including those typically rejected by mainstream processors. The platform provides a fresh start for merchants regardless of how other processors have classified their business in the past. Frame offers payment solutions and tools for most legal industries, working closely with customers to provide tailored solutions rather than using a one-size-fits-all approach.

Risk-Based Pricing Tiers

Frame Payments uses a transparent, tiered pricing model based on business risk level. Low-risk merchants pay 2.9% plus 39¢ per charge, mid-risk merchants pay 4.0% plus 39¢ per charge, and high-risk merchants pay 5.0% plus 39¢ per charge. This straightforward structure ensures businesses know exactly what they will pay without hidden fees, setup charges, or monthly minimums. Disputed payments that result in chargebacks incur a $15 fee.

Payment Methods Accepted

The platform enables businesses to accept all primary payment forms including credit and debit cards, mobile payments, and digital wallets. For bank transfers, Frame offers ACH debit and ACH credit processing at 0.8% per transaction with a $5 cap, making it cost-effective for larger payments and recurring charges.

Fraud Prevention and Risk Management

Frame provides comprehensive tools to combat fraud and control risk. Businesses can create custom block lists to protect against known bad actors and scammers. The 3D Secure integration verifies customer identity before online purchases at just 5¢ per attempt, shifting chargeback liability to card issuers. Proactive chargeback prevention monitors and intercepts disputes before they escalate.

Developer-First Platform

Frame's API is built with developers in mind, offering a single integration that connects all Frame products. The platform provides extensive documentation, developer guides, and payment integration libraries. Engineering support is available through dedicated Slack channels, with work sessions to assist throughout the integration process. SDKs and libraries for major web and mobile frameworks are in development.

Instant Payouts

For businesses needing faster access to funds, Frame offers instant payouts to eligible debit cards or bank accounts. This service costs 1.5% of the payout amount with a minimum fee of 75 cents, allowing merchants to access their money within minutes rather than waiting for standard settlement times.

Quick Onboarding

Frame emphasizes rapid merchant onboarding, enabling businesses to begin accepting payments within days. The platform provides onboarding and migration support for businesses transitioning from other processors. PCI compliance is included, ensuring secure handling of cardholder data without additional compliance burdens.

Key Features and Benefits

Frame delivers dedicated Slack support for direct communication with the team, no contracts or setup fees, and pay-as-you-go pricing that scales with business needs. The platform focuses on helping merchants increase revenue by accepting customers that other processors might turn away while maintaining strong fraud controls.

Who Should Use Frame Payments?

Frame Payments is ideal for businesses in mid-risk and high-risk industries that struggle to find reliable payment processing. E-commerce merchants, subscription businesses, and companies with higher chargeback rates will benefit from Frame's tailored approach. Developers and technical teams will appreciate the API-first design and engineering support. Businesses seeking transparent pricing without long-term contracts or hidden fees will find Frame's model straightforward and predictable.

Industries Served

Frame offers payment solutions for most legal industries, providing specialized support for sectors that face regulatory challenges or are typically classified as higher risk by traditional processors. The platform's willingness to work with diverse business types sets it apart from risk-averse processors that use blanket rejection policies.