High Risk

76 payment providers in this category.

Most of the first 24 concentrate in North America, Europe, Africa.

76 providers

Xoala

Cross-border businesses, including those in higher-risk sectors such as iGaming, prop trading and brokerages, that need multi-currency business accounts, cards and payment acceptance from one provider.

Fibonatix

Card-not-present merchants in the UK and EEA, including higher-risk sectors such as CBD, forex, prop trading, online dating, adult physical goods and prize competitions.

Payscout

Card-not-present and ecommerce merchants in verticals such as collections (ARM), healthcare, education, enterprise and nonprofit, including managed-risk businesses that need US, EU or international merchant accounts.

NORDBYT

Merchants in sectors such as crypto, iGaming, forex and subscriptions that want several acquirers behind one integration so that no single provider can take them offline.

infrastructure +1

Fees

Launch: €0/month, from 0.9% + €0.15 per transaction; Enterprise: custom, volume-based interchange++ pricing. No setup fees, no lock-in. Final rates depend on underwriting, industry and volume.

Settlement

Varies

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Mint

Claimed View provider

xpate

Fintechs, platforms, and online merchants, including iGaming, forex, and crypto businesses, that want card acquiring, multi-currency IBAN accounts, and payouts from one provider.

CanPay

Cannabis Debit Payments

Mistertango

Non-resident founders, foreign-registered companies and businesses in higher-risk industries that need an EU business account with a European IBAN.

Cetler Payments

Card-accepting merchants, PSPs and payment facilitators, including those in sectors such as forex, online dating, travel, online gaming and CBD, that need cross-border card processing through European acquiring banks.

ONE.io

Businesses in crypto/Web3, iGaming and other sectors that struggle to get traditional bank accounts, and that want to accept crypto payments settled into fiat business accounts.

Flowhub

Cannabis POS & Payments

HighRiskPay

US High-Risk Merchants

high risk

Fees

1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile)

PayDiverse

Offshore High-Risk Processing

Paybotic

Cannabis dispensaries and retailers

high risk

Fees

Setup fees and monthly retainers; 2-3% per transaction

Instabill

Cannabis and high-risk merchant categories

high risk

Fees

2.5-3.5% for high-risk categories

Vellis

High-risk and hard-to-place merchants (gaming, nutraceuticals, aesthetics, crypto) that need card processing and can accept reserve-based settlement.

Depends on chargeback history and rolling reserve; larger merchants within days, smaller merchants typically within weeks (per site FAQ).

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Zen Payments

High-Risk Merchant Processing

Claimed View provider

Verotel

Adult Content Payments

high risk

Fees

3.9% - 15% depending on risk level

Hypur

Cannabis Compliant Banking

Genome

Small and medium-sized EU-oriented businesses that want online multi-currency IBAN accounts together with SEPA Instant-based merchant payment acceptance.

Schedule payouts to reoccur choosing from D+1, D+3, D+7 timing options.

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