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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
Instant EFT in South Africa: 5.3% pay-in, 1.5% + R100 pay-outRequestPayment provider· May 13, 2026Mobile Money in Malawi: Airtel and TNM, 6.5% pay-inRequestPayment provider· May 13, 2026P2P acceptance in Ethiopia via Telebirr: birr deposits and withdrawalsRequestPayment provider· May 12, 2026NSPK payments for iGaming: 14% pay-in, T+0 settlementRequestPayment provider· May 12, 2026Named EUR IBAN and crypto on/off-ramp via a Swiss payment institutionRequestPayment provider· May 7, 2026Philippines acceptance via GCash QR, Maya, QRPH for iGaming and ForexRequestPayment provider· May 6, 2026AmPay: P2P payments in Argentina via LemonRequestPayment provider· May 4, 2026Transavex White Label: infrastructure for your own payment serviceRequestTransaveX· April 21, 2026AmPay: bank transfers in Turkey for high-risk projectsRequestPayment provider· April 17, 2026AmPay: Visa and Mastercard acceptance in Kazakhstan for high-riskRequestPayment provider· March 17, 2026AmPay: P2P for iGaming in Kyrgyzstan via Mbank, Optima and BakaiRequestPayment provider· March 12, 2026Lithuanian EMI: SEPA Instant, SWIFT, prepaid cards and BaaS APIRequestPayment provider· February 26, 2026Thailand: bank transfers and QR for pay-ins and payoutsRequestPayment provider· December 22, 2025AmPay: P2P acceptance in Uzbekistan for gambling and bettingRequestPayment provider· December 17, 2025AmPay: UPI pay-in and payouts in IndiaRequestPayment provider· December 14, 2025AmPay: P2P to Kapital Bank cards for betting in AzerbaijanRequestPayment provider· November 28, 2025Lithuanian EMI: corporate SEPA/SWIFT account for B2BRequestPayment provider· November 27, 2025AmPay: Open Banking in EuropeRequestPayment provider· November 16, 2025

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.