Melvin Pay provides a cloud‑based payment platform that unifies card, digital wallet, and recurring billing processing through a single RESTful API. It includes real‑time machine‑learning fraud detection and a dashboard for instant transaction reporting, helping e‑commerce, SaaS, and marketplace operators reduce chargebacks and simplify reconciliation.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often struggle to accept online payments across diverse channels while managing fraud risk and reconciling transaction data, leading to lost sales and operational inefficiencies.
Solution
Melvin Pay offers a cloud‑based payment processing platform that consolidates card payments, digital wallets, and recurring billing into a single integration point. The service provides built‑in fraud detection algorithms that evaluate transactions in real time, reducing chargebacks. Developers can connect to the system via RESTful APIs, enabling seamless checkout experiences on websites, mobile apps, and marketplaces. Real‑time reporting dashboards give finance teams immediate visibility into sales, settlement status, and dispute metrics, simplifying reconciliation and cash flow management.
Target Audience
Primary customers are e‑commerce merchants, SaaS providers, and marketplace operators that require a scalable, secure solution for multi‑channel online payments.
Features
- Unified API supporting Visa, Mastercard, American Express, and major digital wallets (Apple Pay, Google Pay, etc.)
- Recurring billing engine with customizable subscription schedules and automatic retry logic
- Machine‑learning fraud detection layer that scores transactions and blocks high‑risk activity
- Real‑time analytics dashboard with transaction volume, revenue, and chargeback insights
- PCI‑DSS compliant cloud infrastructure with tokenization to protect sensitive payment data
- Webhooks and SDKs for instant notification of payment events and easy integration with ERP or accounting systems