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  • Quick setup and global checkout that loads fast
  • Reduce churn with smart retries and card updater
  • Real fraud and chargeback tools that protect revenue

Digital Download Payment Processing Solutions

Implement digital download payment processing that’s instantaneous to buyers and simple for your team. With a digital goods payment processor designed to grow with you, you get secure checkout, smart retries, and automated delivery that fuels revenue while minimizing support tickets and chargebacks.
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Simplify Your Digital Goods Payment Processing

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Payment Nerds Solutions for Digital Download Businesses

Selling files should be seamless from click to delivery. We help you accept cards, wallets, and bank payments globally and then automate fulfillment and receipts so your customers gain access immediately and your team stays out of the inbox.
Seamless Digital Payment Gateway
Increase approval rates and speed up funding as tokenization keeps card data safe.
Provide memberships and scheduled downloads with proration, pauses, and smart dunning to minimize involuntary churn.
Price in multiple currencies, settle to base currency, and support localized payment methods for higher conversion.

Accept all major cards, ACH, and popular digital wallets so customers can pay how they want.

Use AVS, CVV, device checks, velocity limits, and dispute alerts to prevent abuse and protect chargeback ratios.

Monitor sales, renewals, refunds, and fees from one dashboard with exports compatible with your accounting system.
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Why Payment Nerds for Your Digital Download Processing Needs?

Digital products are fast-moving, meaning checkout, delivery, and disputes need to follow a predictable pattern. We underwrite your account for immediate funding, mixed carts, and cross-border buyers while tuning rules for fraud that protect high-risk moments like launches and promotions. The name of the game is consistent approvals, clean records, and a refund policy that mitigates disputes.

Your operations team gains access to the controls it actually needs. Tokenization and account updater reduce declines while dunning notifications and reminders effectively recover failed payments without requiring extra support tickets. Automated fulfillment of expiring links and license keys goes out the moment payment clears, while receipts track back to orders so customers can self-serve.

Your finance team remains aligned without additional effort, a key benefit of choosing a digital download payment processor. Deposits, fees, and taxes post clearly to your accounting platform while reporting details on unit sales, MRR, churn, and recovery by product or plan. You select between interchange plus, flat rate, or subscription pricing, and we model the statements so expenses align with your card mix and volume.

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Key Features

Instant Delivery & Automated Fulfillment

Send downloads, license keys, or access emails immediately post payment clearance to drive improved reviews and reduced tickets.

Secure, Fraud-Protected Transactions

Minimize access to card data via tokenization and encryption while minimizing abuse through AVS, CVV, device checks, and optional 3D Secure.

Multiple Payment Options & Global Support

Provide cards, ACH, and wallets with multi-currency pricing so international buyers convert frictionlessly.

Integrations for Digital Download Business

Connect your payments to the platforms where your team operates so checkout, delivery, and accounting stay aligned.

  • Carts and ecommerce: We integrate with Shopify, WooCommerce, BigCommerce, and Magento, so one-off purchases and subscriptions share a unified checkout experience.

  • Gateways and tokenization: We partner with Authorize.Net and NMI so cards are vaulted securely and routed to increase approvals.

  • Subscriptions and billing: We integrate with Chargebee and Recurly, so plans, trials, coupons and renewals operate seamlessly without custom code.

  • Delivery and DRM tools: We support leading digital delivery options like SendOwl and other providers, so links, license keys, and expirations happen automatically.

  • Wallets and express checkout: We enable Apple Pay and Google Pay so mobile buyers can convert quickly without typing in card details.

  • Accounting and ERP: We synchronize settlements, fees, refunds, and taxes with QuickBooks, Xero, and NetSuite, thereby expediting the month-end closing process.

  • Analytics and reporting: We can push events to Google Looker Studio as well as Google Sheets, ensuring that sales, MRR, and churn are updated in real-time.

  • Support & CRM: We pass payment status to Zendesk, Intercom, HubSpot, and Salesforce so your team has context when assisting customers.

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Seamless Integrations

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See All Our Integrations
Don’t see yours? We likely support it — ask us.

Hear From Our Clients

Discover how our seamless solutions have transformed businesses just like yours.

“Steven was great! He allowed me to share some of my prior website integration problems and had a solution that allowed me to accept payments the way my company wanted them to.”

Steven D.
Position, Company Name

“John was helpful. John Westbrook answered all my questions professionally and provided correct and acute feedback, which allowed me to obtain a merchant account. I started processing payments the day I applied!”

Carl H.
Position, Company Name

“Lisa H, was the most helpful employee. I have talked so far in the department. She got me all the necessary answers and said she would check up with me at the end of this week to ensure everything went through correctly. Lisa H did so, and I started processing today. Thank You! ”

Tim V.
Position, Company Name

“Austin did a great job and knew how to handle all their clients perfectly, making being a merchant one of the best experiences with a service provider.”

Lee P.
Position, Company Name
“Kira G, was beneficial and resolved my situation with no problem!”
Roxanne
Position, Company Name

“Arvid was friendly and patient and took the time to look into my problem, which was solved. Two thumbs up!”

EAF
Position, Company Name

Hear From Our Clients

Discover how our seamless solutions have transformed businesses just like yours.

“John was helpful. John Westbrook answered all my questions professionally and provided correct and acute feedback, which allowed me to obtain a merchant account. I started processing payments the day I applied!”

Carl H.

“Lisa H, was the most helpful employee. I have talked so far in the department. She got me all the necessary answers and said she would check up with me at the end of this week to ensure everything went through correctly. Lisa H did so, and I started processing today. Thank You! ”

Tim V.

“Austin did a great job and knew how to handle all their clients perfectly, making being a merchant one of the best experiences with a service provider.”

Lee P.

“Arvid was friendly and patient and took the time to look into my problem, which was solved. Two thumbs up!”

Arvid

“Steven was great! He allowed me to share some of my prior website integration problems and had a solution that allowed me to accept payments the way my company wanted them to.”

Steven D.

“Arvid was friendly and patient and took the time to look into my problem, which was solved. Two thumbs up!”

EAF

Empower Your Digital Business with Payment Nerds

Automate delivery, minimize churn, and accept global payments with a digital goods payment processor that’s built to grow with demand.
Get pricing

Digital Download Payment Processing FAQs

What types of businesses do you serve?

We serve eBook publishers, course creators, software/app developers, music/media distributors, digital artists/photographers, template/graphic sellers, video producers, and gaming creators with downloadable items for purchase, as well as SaaS platforms that feature a downloadable tool.

Because digital goods cannot be returned, they’re delivered instantly, which creates dispute/fraud risk; however, we combat this by providing clear receipts/fraud controls and abuse systems that help keep chargeback ratios in check.
Recurring payment accounts (memberships), online merchant accounts (24/7 sales), high-risk merchant accounts (where exposure is greater), and cross-border accounts that support local currency pricing.
Yes! You can define billing cycles, trials, proration, pauses, smart retries, plus the account updater automatically refreshes expired cards.
We secure card data using tokenization and encryption; AVS, CVV, device checks, velocity limits, and optional 3D Secure help prevent fraud and false declines.
Yes! You may price in multiple currencies, accept local payment methods where applicable, and settle to your home currency for simpler accounting.
You may accept all major cards, digital wallets (Apple Pay/Google Pay), ACH, where applicable, as well as secure links for invoice/portal pay.

Ready to Sell Your Digital Downloads Effortlessly?

Make checkout quick, make delivery automatic, and make revenue reliable with digital download payment processing that suits your needs.
Start my application
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