Cards, Apple Pay, QR, and USDC — in person, online, or via API. Open free US & EU accounts in minutes. No app needed.
$0 to start · Verified in 5 minutes · No hardware needed
Jay's Cutz
2 min ago
Tasha's Kitchen
8 min ago
Daniel's Photo
15 min ago
Sarah's Merch
1 hr ago
Roots & Leaves
2 hr ago
BeautyByBri
3 hr ago
Jay's Cutz
2 min ago
Tasha's Kitchen
8 min ago
Daniel's Photo
15 min ago
Sarah's Merch
1 hr ago
Roots & Leaves
2 hr ago
BeautyByBri
3 hr ago
Frozen accounts. 120-day reserves. Slow payouts. Bot support. We fixed all four.
Account holds
Accounts get suspended without notice. Up to 120 days of reserves lock your money.
Within 3 days. No reserves.
If your account closes, your balance leaves with you — within 3 days . We never reserve your money.
Payout speed
Standard payouts take 7–14 days. Instant payouts cost extra.
Fixed 3-day payouts
3 days. Every merchant. Every transaction. No instant fees, no surprise delays.
Disputes & chargebacks
Cross 0.75% and you're flagged. Account closure follows fast.
Live alerts, real protection
Early dispute alerts. Intervene before chargebacks hit. We help you protect your ratio — not punish you for it.
Customer support
Bot-first triage. Days of waiting. Templated answers that miss the point.
Real humans, fast
Real people. Fast replies. Built for merchants who actually need help — not deflection.
Tired of holds? Three days to your first real payout.
Start free
Choose your setup
Pick one or combine them. Same merchant account, same dashboard, same fixed 3-day payouts.
Connect your Shopify store through CartDNA and accept Cenoa Payment at checkout. No code required.
Add one line of code. Customers click, pay via cards, Apple Pay, or Cenoa balance without leaving your site.
Full REST API for custom payment flows. Create charges, subscriptions, webhooks — build exactly what you need.
Install our free WooCommerce plugin and add Cenoa Payment as a checkout option in minutes. No code required.
Specific solutions for businesses that need more than a generic payment gateway.
Recurring billing, high global approval rates.
Handling high refund rates without account freezes, multi-currency support.
High-risk niches that are not accepted by traditional payment providers.
Cenoa use case scenarios
Whether you run a stall, a studio, or a storefront — here is how Cenoa Payment fits into your day.
Display your QR code at the counter. Customers scan, enter the amount, and pay with their card or Apple Pay directly in their browser. You see the money hit your dashboard instantly.
Print your Cenoa QR on a small stand next to your stall. Customers who don't have cash can pay in seconds. No Wi-Fi terminal needed — just a phone to check your dashboard.
Generate a checkout link for any product or service. Share it in your bio, DMs, or emails. Customers pay as guests — no account required. Funds land in 3 days.
Pay button
Embed the Pay with Cenoa button on Shopify, WordPress, Wix, Squarespace, or any custom site. Guest checkout — no app needed.
<!-- Add Cenoa to your site -->
<script src="https://pay.cenoapayments.com/v1/checkout.js"></script>
<button data-cenoa-key="pk_live_..." data-amount="2500">
Pay with Cenoa
</button>Kingston, JM
Amount
$25.00
USD · Haircut
Dispute management
Get early warning alerts before a chargeback is filed. Issue refunds in one click. Manage every dispute from your merchant dashboard — no third-party tools needed.
Total Revenue
$182.00
12 payments
Refunded
$158.00
5 refunds
Open Disputes
0
All clear
Dispute Alerts
0
Early warnings
No alerts — all clear
Get notified the moment a card network flags a transaction — before a formal chargeback is filed. Respond with a refund and avoid the fee entirely.
Issue full or partial refunds instantly from your dashboard. Funds are returned automatically — no back-and-forth with support.
Every dispute, refund, and alert is logged with timestamps, transaction IDs, and resolution status — giving you a clear audit trail.
Shopify Integration
CartDNA connects your Shopify store to Cenoa Payment. Same merchant account, same fixed 3-day payouts — just a few steps to go live.
Sign up at the CartDNA merchant portal and contact their support to enable the Cenoa Payment Shopify app for your account.
Install CartDNA's Cenoa Payment app from the Shopify App Store. Connect your store with one click.
Cenoa Payment appears as a payment option on your Shopify checkout. Customers pay with cards, Apple Pay, or Cenoa balance.
WooCommerce Integration
Our free WooCommerce plugin adds Cenoa Payment as a checkout option on your existing store. No developer needed — install, connect, done.
Search 'Cenoa Payment' in your WordPress plugin directory, or download directly from WordPress.org. One click to activate.
Paste your Cenoa merchant key in the plugin settings. Your store is linked instantly — no code required.
Cenoa Payment appears as a payment option on your WooCommerce checkout page. Customers pay with cards, Apple Pay, or Cenoa balance.
Built for every merchant
Cenoa Payment gives every business the same enterprise-grade payment infrastructure — at zero monthly cost.
50+
Currencies
$0
Monthly Fee
5 min
To Verify
Guest checkout
Scan a QR, click a pay button, or open a payment link — pay with any card, Apple Pay, or Cenoa balance. No sign-up required.
01
Scans QR, clicks button, or opens link. Secure page loads instantly in their browser.
02
Card, Apple Pay, or Cenoa balance. PCI-compliant, encrypted, frictionless.
03
Money in your merchant wallet instantly. Withdraw to your bank anytime.
Features
Built for street vendors to SaaS platforms.
Generate QR for any amount. Print, display, or share.
Send via WhatsApp, SMS, email, or social.
50+ currencies. Pay in theirs, receive in yours.
Builds trust on every checkout page.
Withdraw anytime. Instant or next-day.
Live payments, history, daily totals.
Recurring billing, auto-retry, manage plans.
REST API, real-time events, sandbox.
Auto-enabled. No setup needed.
Pricing
Start accepting for free. Pay only when you get paid.