개요
iSmart Payments provides merchants with a payment gateway and related services and states that it works with high-risk businesses. Merchants usually come to such a provider after being declined by a bank or mainstream PSP, or after losing a previous account.
What to compare between high-risk providers
When choosing among several intermediaries for a risky business, it helps to ask each of them the same questions:
- reserve — what share of revenue is held back and for how long;
- chargeback threshold — at what refund level restrictions kick in;
- payout schedule — how often revenue reaches your account;
- acquiring banks — in which jurisdictions they sit and how many there are;
- descriptor — what the customer sees on the statement, since an unclear name triggers needless disputes.
The answers say more about the future relationship than the headline rate.
Onboarding
The company reviews each project separately, and approval is not guaranteed in advance. Fees, countries served and payment methods are not disclosed on the card, so send a business description, website, expected volume and processing history with your application to speed up the reply and get a concrete offer.
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