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HighRiskPay

HighRiskPay

US High-Risk Merchants

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile) vs Interchange + 1%–2% + €0.3
Features

1 shared

8 unique to CatalystPay
Regions

1 shared

4 unique to CatalystPay
Pay methods

2 shared

1 unique to HighRiskPay · 10 unique to CatalystPay
On region

CatalystPay covers 5 regions; HighRiskPay covers 1. Verify directly with each provider before signing.

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Show full specs
9 features · 13 payment methods · 5 regions. We don't rank these — they're here for reference.
HighRiskPay HighRiskPay
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile)
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
—
5–7 business days
Founded
1997
2019
Headquarters
United States
Belfast, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
CatalystPay leads (9 vs 1)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted
✓
✓
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 3)
Amex Unique
✓
—
Apple Pay Unique
—
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Lightning Network Unique
—
✓
Mastercard
✓
✓
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
CatalystPay leads (5 vs 1)
Europe Unique
—
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Southeast Asia Unique
—
✓

HighRiskPay is best when you...

US High-Risk Merchants
View HighRiskPay

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with HighRiskPay
Need Enterprise
Not available with HighRiskPay
Want coverage in Europe, Global, Middle East, Southeast Asia
HighRiskPay doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between HighRiskPay and CatalystPay?
They share 2 payment methods and 1 region. HighRiskPay adds Amex that CatalystPay does not list; CatalystPay adds Apple Pay, Bitcoin, Cartes Bancaires and 7 more that HighRiskPay does not list; CatalystPay also covers Europe, Global and 2 more; only CatalystPay offers Crypto Support, Enterprise and 6 more.
Which is cheaper, HighRiskPay or CatalystPay?
HighRiskPay has published rates from 1.79% - 2.95% + $0.25 per transaction + $9.95 monthly (varies by industry and credit profile); CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use HighRiskPay and CatalystPay?
HighRiskPay lists 1 region and 3 payment methods; CatalystPay lists 5 and 12. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do HighRiskPay and CatalystPay compare on integration and settlement?
CatalystPay offers a sandbox, HighRiskPay does not list one; CatalystPay supports webhooks; CatalystPay publishes a settlement time of 5–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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