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Segpay

Can a payment facilitator specializing in high-risk digital and adult content verticals build a full-stack payments platform — spanning card processing, open-banking rails, and creator payouts — that removes the compliance and banking access barriers these merchants face globally?

HQDeerfield Beach, Florida, USA (US HQ); Dublin, Ireland (EU HQ); Hatfield, Hertfordshire, England (UK HQ)
IndustryInfrastructure / Payments
The story

Segpay was founded as a payment facilitator focused on online credit card processing for adult content and subscription-based digital merchants — a high-risk vertical historically underserved by mainstream processors. Over time, it built out direct merchant accounts, a secure gateway, and payment facilitation (PayFac) services across the US, UK, and EU, obtaining regulatory licenses in all three jurisdictions. More recently, Segpay has expanded beyond card processing into alternative payment methods (SEPA Direct Debit, Pay by Bank) and content creator payouts via a branded Visa virtual card (Segcard), reflecting a strategic pivot from pure payment processor to a broader digital payments platform targeting e-commerce and creator economy merchants.

Last 12 months
2024-05
2026-03
Product timeline
2024
Expanded content creator payout solution by launching virtual Segcard — a USD Visa virtual card enabling instant payouts to creators and affiliates globally.· card
2026
Added Pay by Bank (UK) powered by TrueLayer, enabling real-time bank-to-bank payments via UK Faster Payments System for UK consumers.· banking
Regulated entities
EMI / Payment Institution
UK (FCA)
Segregated Payments Limited
EMI / Payment Institution
EU (Ireland)
Segregated Payments Ireland, Ltd.
Money Services Business / Payment Facilitator
US
Toccata, Inc. dba Segpay
The stack
Payments / PSP
Segpay (self-operated)Rapyd
Card issuing
Visa (via Segcard virtual card program)
Open banking
TrueLayer
FX & payouts
Rapyd
Accounting gap: significant