개요
PayNet Systems is a company offering merchant services and an online gateway. Its main stated audience is high-risk merchants.
Who counts as high-risk
Banks usually classify as high-risk:
- industries with high refund and chargeback rates;
- subscription models with recurring charges;
- niches with regulatory restrictions or reputational risk;
- young companies with no sales history and large tickets.
Such merchants are often refused standard acquiring or see their account closed after the first disputes. Providers like this one specialise in finding banks and setting up acceptance for exactly these cases.
What the services include
The gateway technically captures and routes transaction data, while merchant services cover opening a merchant account and support after launch. The specific methods and partner banks are not described publicly.
Worth knowing
The high-risk focus is stated by the company itself, but approval of any specific business depends on review. Pricing, reserves and settlement timing are not published and are quoted after a look at your sales model and documents.
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