Coastal Pay Launches Next-Generation Payment Gateway

Businesses Can Now Accept Payments at Zero Cost with Full-Featured Gateway Including Surcharging, Dual Pricing, Instant Payouts, and White-Label Options.

Coastal Pay announced the launch of its innovative payment gateway platform designed to eliminate processing costs for merchants while delivering enterprise-grade functionality at every tier. The Coastal Pay Gateway is engineered for businesses seeking a smarter, cost-efficient way to manage transactions  with zero monthly fees and zero transaction fees.

“We built Coastal Pay Gateway to solve a real pain point: merchants are tired of paying fees on every dollar they earn,” said a spokesperson for Coastal Pay. “Our platform gives businesses the tools to grow without the financial drag of traditional payment processors.”

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Zero-Cost Processing for Merchants

At the core of Coastal Pay Gateway is a commitment to eliminating the financial burden that payment processing places on businesses. Through compliant surcharging and dual pricing strategies, merchants can pass processing costs to cardholders   fully within card network rules   or leverage interchange optimization to minimize costs at the network level.

Key features of the Coastal Pay Gateway platform include:

• No-Cost Gateway: Zero monthly fees and zero transaction fees — merchants keep more of every sale.
• Interchange Optimization: Smart routing and data enrichment to qualify transactions at the lowest possible Visa and Mastercard interchange rates.
• Compliant Surcharging & Dual Pricing: Split-funding-compliant surcharging and dual pricing programs that meet all card network and regulatory requirements.
• Payouts & QR Code Payments: Flexible payout options paired with QR code payment acceptance for modern, contactless commerce.
• Text & Email Invoicing: Send professional invoices directly to customers via SMS or email for fast, frictionless payment collection.
• Customer Vault & Recurring Billing: Securely store customer card data for subscription management, repeat billing, and one-click checkout experiences.
• Hosted Payment Page: A fully customizable, PCI-compliant hosted payment page ready to accept payments immediately.
• White Label Ready: Full white-label support so partners and ISOs can deploy the gateway under their own brand.
• Instant Payouts (Coming Q1): Real-time payout capabilities launching in Q1, enabling merchants to access funds the moment a transaction clears.

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