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Midnight Payments

Midnight Payments

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
Custom vs Interchange + 1%–2% + €0.3
Features

4 shared

1 unique to Midnight Payments · 5 unique to CatalystPay
Regions

2 shared

3 unique to CatalystPay
Pay methods

6 shared

6 unique to Midnight Payments · 6 unique to CatalystPay
On payment methods

Both support 12 payment methods. Verify directly with each provider before signing.

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Show full specs
10 features · 18 payment methods · 5 regions. We don't rank these — they're here for reference.
Midnight Payments Midnight Payments
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
Custom
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
Next business day
5–7 business days
Founded
2026
2019
Headquarters
Miami, FL, United States
Belfast, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
CatalystPay leads (9 vs 5)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Low Fees
✓
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing
✓
✓
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Virtual Terminal Unique
—
✓
Payment Methods
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay
✓
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
✓
—
Direct Debit Unique
—
✓
Discover Unique
✓
—
Echeck Unique
✓
—
Google Pay
✓
✓
Lightning Network Unique
—
✓
Mastercard
✓
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
CatalystPay leads (5 vs 2)
Europe Unique
—
✓
Global
✓
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

Midnight Payments is best when you...

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions
Need Startup Friendly
Not available with CatalystPay
View Midnight Payments

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with Midnight Payments
Need Enterprise
Not available with Midnight Payments
Want coverage in Europe, Middle East, Southeast Asia
Midnight Payments doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between Midnight Payments and CatalystPay?
They share 6 payment methods and 2 regions. Midnight Payments adds ACH, Amex, Digital Wallet and 3 more that CatalystPay does not list; CatalystPay adds Bitcoin, Cartes Bancaires, Direct Debit and 3 more that Midnight Payments does not list; CatalystPay also covers Europe, Middle East and 1 more; only Midnight Payments offers Startup Friendly.
Which is cheaper, Midnight Payments or CatalystPay?
Midnight Payments has custom pricing quoted on engagement; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Midnight Payments and CatalystPay?
Midnight Payments lists 2 regions and 12 payment methods; CatalystPay lists 5 and 12. both cover Global, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Midnight Payments and CatalystPay compare on integration and settlement?
CatalystPay offers a sandbox, Midnight Payments does not list one; both support webhooks; Midnight Payments settles in Next business day, CatalystPay in 5–7 business days.

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