No Chargebacks

No High Fees

No Reserves

Permission-based payments for online merchants

No Chargebacks

No High Fees

No Reserves

Permission-based payments for online merchants

The Problem

Online Merchants have it rough. A framework that was designed to protect consumers has become a framework to commit fraud. Merchants end up paying the price with high fees, reserves, and losses.


By the numbers:

  • ⅓ of consumers committed friendly fraud claiming products were bad or did not arrive
  • Despite knowing no fraud, 4 in 10 consumers asked for a refund.
  • 81% of customers freely admit to filing a chargeback simply out of convenience
  • 40% of consumers who commit friendly fraud will do it again in 60 days.

This leaves hard-working business owners at the mercy of bad customers and an industry standard that is unfair in many cases.


Skyway wants to offset this hardship with consumer-permissioned payments.

The Problem

Online merchants have it rough. A framework that was designed to protect consumers has become a framework to commit fraud. Merchants end up paying the price with high fees, reserves, and losses.


Some depressing stats:

  • ⅓ of consumers committed friendly fraud claiming products were bad or did not arrive
  • Despite knowing no fraud, 4 in 10 consumers asked for a refund.
  • 81% of customers freely admit to filing a chargeback simply out of convenience
  • 40% of consumers who commit friendly fraud will do it again in 60 days.

This leaves hard-working business owners at the mercy of bad customers and an industry standard that is unfair in many cases.


Skyway wants to offset this hardship with permissioned-based payments.

The Solution

Skyway’s permission-based payments model enables real-time transfers between consumers and merchants.


With just two APIs, merchants can embed a chargeback-free push payment into the checkout flow.


Check out the demo video to see how it works!


The Solution

Skyway’s permission-based payments model enables real-time transfers between consumers and merchants.


With just two APIs, merchants can embed a chargeback-free push payment into the checkout flow.


Check out the demo video to see how it works!

Use Cases

Bill Payments

  • Embed real-time payments into bill pay website or email
  • Zero chargebacks
  • Lower processing fees

Crypto On-Ramp

  • Reduce friction
  • Alternative to card payments or wire
  • Zero chargebacks
  • Lower processing fees

E-Commerce

  • Embed real-time payments into checkout flow
  • Zero chargebacks
  • Lower processing fees

Gaming

  • Alternative to card payments
  • Embed real-time payments
  • Zero chargebacks
  • Lower processing fees

Collections

  • Increase collections with secure alternative
  • Embed real-time payments
  • Zero chargebacks
  • Lower processing fees

Payment Gateway

  • High-margin service offering
  • Deepen relationships
  • Zero chargebacks
  • Simple API

Use Cases

Bill Payments*

  • Embed real-time payments into bill pay website or email
  • Zero chargebacks
  • Lower processing fees

Digital On-Ramp*

  • Reduce friction
  • Alternative to card payments or wire
  • Zero chargebacks
  • Lower processing fees

E-Commerce*

  • Embed real-time payments into checkout flow
  • Zero chargebacks
  • Lower processing fees

Gaming*

  • Alternative to card payments
  • Embed real-time payments
  • Zero chargebacks
  • Lower processing fees

Collections*

  • Increase collections with secure alternative
  • Embed real-time payments
  • Zero chargebacks
  • Lower processing fees

Payment Gateway*

  • High-margin service offering
  • Deepen relationships
  • Zero chargebacks
  • Simple API

*The Company endeavors to fully comply with all applicable international, federal, and state laws, rules, and regulations, as well as similar local / regional laws, rules, and regulations. The Company is not a bank, a bank holding company, or a subsidiary of a bank or a bank holding company. However, the Company partners with banks (each, a “Bank Partner”) to provide services to its customers / consumers / entities that are within the scope of Bank Partners ’obligations. Accordingly, the Company takes its role in ensuring its best business practices comply with all laws, rules, and regulations very seriously and to give the best reasonable assurance of safety & soundness of the company and the relationships that it holds.

Security & Privacy

As with all payment processing models, security and privacy are paramount.


Skyway maintains the following standards when handling sensitive information during the payment process:

01

Encryption of consumer data at every point in the transaction process.

02

Online banking credentials are encrypted using AWS Key Management Service (KMS)

03

Skyway NEVER stores consumer data. This means data is never exposed..

04

Skyway performs an internal audit after each transaction and generates a SafeToken.

05

The Skyway SafeToken is a digital attestation of consumer permission, the transaction receipt, and security audit.

06

The Skyway SafeToken empowers consumers, regulators, law makers to see exactly how data is being handled by Skyway.

Security & Privacy

As with all payment processing models, security and privacy are paramount. Skyway maintains

the following standards when handling sensitive information during the payment process:

01

Encryption of consumer data at every point in the transaction process.

02

Online banking credentials are encrypted using AWS Key Management Service (KMS)

03

Skyway NEVER stores consumer data. This means data is never exposed.

Our Commitment

  • Single Purpose
  • Zero Data Exposure
  • Zero Data Leakage
  • Full Transparency
  • Full Transaction Level Audit

Our Commitment

  • Single Purpose
  • Zero Data Exposure
  • Zero Data Leakage
  • Full Transparency
  • Full Transaction Level Audit

© 2024 Skyway Payments. All right reserved.