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Merchants

High-risk e-commerce

High-risk e-commerce: merchants in this vertical, their requests and offers for them.

172 requests

GridList
Canadian platform for international business paymentsRequestPayment provider· July 9, 2026Nigeria: bank transfers via Opay and Palmpay, 3.5% pay-inRequestPayment provider· July 8, 2026UK platform: EUR/GBP business accounts, FX and payments APIRequestPayment provider· July 8, 2026EUR payouts to Visa and Mastercard cards: 2.7% + €0.7RequestPayment provider· July 7, 2026Open Banking for the UK: all GBP banks, 5.5% pay-inRequestPayment provider· July 6, 2026Niger: Airtel Money and Moov Africa for casinos and bettingRequestPayment provider· July 5, 2026M-Pesa and Airtel Money in Kenya: 5% deposit, 1.5% withdrawalRequestPayment provider· July 3, 2026Eswatini: MTN MoMo and Standard Bank transfers for iGamingRequestPayment provider· July 3, 2026Tanzania mobile wallets: Vodacom, Tigopesa, Airtel at 6%RequestPayment provider· July 2, 2026Egypt: Vodafone, Orange and Etisalat Cash for iGaming and forexRequestPayment provider· July 2, 2026P2P for Sri Lanka: iPay and eZ Cash, 8.5% pay-inRequestPayment provider· July 1, 2026Chad: Airtel Money and Tigo Cash collections for bettingRequestPayment provider· July 1, 2026UK EMI: EUR/GBP IBANs, Faster Payments and merchant acquiringRequestPayment provider· June 30, 2026P2C in Pakistan: JazzCash 6.1%, EasyPaisa 6.7%RequestPayment provider· June 29, 2026European EMI: EUR accounts, SWIFT and EEA payment collectionRequestPayment provider· June 29, 2026UnionPay for STD traffic: 6.2% + €0.1 pay-inRequestPayment provider· June 25, 2026Open Banking for FTD and STD: 3.8% + €0.1 pay-inRequestPayment provider· June 24, 2026Lesotho: M-Pesa, EcoCash and bank transfer for iGamingRequestPayment provider· June 24, 2026

Related subsections

Crypto4Software and SaaS4E-commerce3Gambling3Gaming3Finance3High-risk e-commerce — RussiaHigh-risk e-commerce — AzerbaijanHigh-risk e-commerce — BrazilHigh-risk e-commerce — KyrgyzstanHigh-risk e-commerce — IndiaHigh-risk e-commerce — Uzbekistan

What makes a merchant high risk

Acquirers label a business high risk when it combines elevated chargebacks, regulatory exposure or reputational risk. Typical examples: forex and CFD brokers, binary options, prop trading firms, crypto, dating, nutra, CBD and vape shops, MLM, skins and loot-box trading, fantasy sports, ticket resale, essay services and aggressive subscriptions. Mainstream processors such as Stripe or PayPal often close these accounts, so merchants look for a high risk payment processor that underwrites the model up front.

Where a high risk merchant account comes from

  • Specialised acquirers with high-risk programmes, often processing under MCC 5967 (direct marketing), 7995 (gambling) or 6211 (securities).
  • Offshore merchant accounts in jurisdictions with wider risk appetite — mind settlement delays and currency.
  • Aggregators with cascading that route between several acquirers (aggregators).
  • Local and alternative rails: local methods, crypto processing and P2P processing where cards are weak.

High-risk PSP checklist

  • Written acceptance of your exact model and GEO list — "instant approval" offers for high-risk traffic deserve extra scrutiny.
  • Rolling reserve (commonly 5–15%) and hold period; settlement frequency and currency.
  • Chargeback ratio thresholds, alerts, 3DS and chargeback management.
  • KYB documents and licences you will need — see legal and licensing.
  • Payout support for refunds and client withdrawals.

How to use this hub

Companies shows high-risk merchants, Requests shows who is looking for a PSP right now, Offers shows published terms from providers. Providers can treat it as a high risk PSP list in reverse: a list of merchants to approach. Merchants should post a request with volumes, GEOs and chargeback history — complete requests get more relevant replies. Nominal hub lists companies and requests; it does not approve or process payments.