RizkPay

High-risk payments infrastructure

Payments infrastructure for businesses banks say no to.

Rizk Pay approves high-risk merchants in 24 to 48 hours, with transparent IC++ pricing and a global acquiring network built for hard verticals.

Get approved in 48h Talk to an expert
PCI DSS Level 1 IC++ pricing
Live processing
Merchant · Acme High-Risk Co.
Online
Today
$142,908
+12.4%
Approval
94.6%
+1.2%
Chargebacks
0.21%
-0.08%
TransactionAmountStatus
  • tx_9F2A
    USD
    $1,284.00
    Approved
  • tx_9F2B
    EUR
    $ 612.40
    Approved
  • tx_9F2C
    GBP
    $ 248.10
    3DS
  • tx_9F2D
    AUD
    $ 4,910.00
    Approved
  • tx_9F2E
    CAD
    $ 79.00
    Review
Settlement · T+1 · AUDView ledger
  • PCI DSS Level 1 Certified
  • 190+ countries
  • 30+ currencies
  • T+1 settlement
  • 99.99% uptime

The high-risk reality

You have been declined. We have been rebuilt for this.

Three pain points every high-risk merchant hits, and how Rizk Pay is engineered to answer them.

PROBLEM

Sudden account terminations

Generalist processors close accounts on the first sign of risk, freezing revenue overnight.

RIZK PAY

Multiple redundant acquirers per vertical. If one route pauses, traffic shifts automatically.

PROBLEM

Hidden fees and reserves

Blended pricing hides the true cost of processing and locks up cash in opaque reserves.

RIZK PAY

Transparent IC++ pricing with reserve terms written into your MSA before you go live.

PROBLEM

Endless rejections

High-risk merchants waste weeks pitching banks that were never going to approve them.

RIZK PAY

Specialist underwriting matches your model to the right acquirer on the first pass.

Why Rizk Pay

Four pillars built for hard verticals.

Specialised underwriting

Underwriters who already know your vertical, from CBD to iGaming.

AI fraud prevention

Adaptive rules and device intelligence tuned per merchant, not per industry average.

Global acquiring network

Direct relationships with acquirers across 190+ countries and 30+ currencies.

Built-in compliance

PCI DSS Level 1, 3D Secure 2, and AML tooling integrated from day one.

Platform

Everything a high-risk merchant needs, in one stack.

Six capabilities that would normally take four vendors to assemble.

Security and tokenisation

PCI-scope reduction with vaulted card storage and network tokens across acquirers.

Multi-currency processing

Accept in 30+ currencies. Settle in the currency your business runs on.

AI fraud detection

Real-time scoring that learns your customer patterns.

Chargeback management

Alerts, representment, and evidence workflows in one place.

Fast payouts

T+1 settlement on eligible flows.

Developer-first API

REST, webhooks, and plugins for the platforms you already use.

How it works

From application to live processing in days, not months.

See full process
  1. STEP 01

    Apply in 10 minutes

    Submit basic company details, processing history, and product info.

  2. STEP 02

    Underwriting review

    Specialist review in 24 to 48 hours, with clear feedback if we need more.

  3. STEP 03

    Integrate

    Drop in the API, hosted fields, or one of our platform plugins.

  4. STEP 04

    Go live

    Launch with a dedicated account manager who knows your vertical.

Industries

Verticals we underwrite every day.

Forex

Compliant processing for regulated and offshore brokers.

Learn more

iGaming

Sportsbook, casino, and skill-gaming acquiring.

Learn more

CBD

Hemp and CBD acquiring across compliant regions.

Learn more

Nutraceuticals

Supplements, subscriptions, and free-trial models.

Learn more

Travel

Airlines, OTAs, and long-lead delivery merchants.

Learn more

Subscriptions

Recurring billing with high-retry logic.

Learn more

Crypto

Exchanges, on-ramps, and virtual asset services.

Learn more

E-Cigarettes

Vape and e-liquid merchants in permitted markets.

Learn more
0%
up to fewer chargebacks
0h
24 to 48h approval
0+
countries supported
T+0
settlement

FAQ

Answers to the questions we get most.

See all FAQs

A merchant account issued by an acquirer that specialises in industries with higher chargeback or regulatory exposure. Pricing, reserves, and monitoring differ from standard retail accounts.

Forex, iGaming, CBD, nutraceuticals, travel, subscriptions, crypto, and e-cigarettes, plus adjacent verticals reviewed case by case.

Most complete applications receive an underwriting decision in 24 to 48 hours. Complex or regulated cases can take longer if additional documents are required.

Yes. 3D Secure 2 is available across supported acquirers, and 2D routing is enabled where the acquirer, scheme, and regulator permit it.

A percentage of processed volume is held for a defined period to cover chargebacks and refunds. Reserve percentage and rolling period are set at underwriting and written into your MSA.

Stop getting declined. Start getting paid.

Underwriting decisions in 24 to 48 hours. Real acquirers, transparent pricing.

Get approved in 48hTalk to an expert