How it works
From application to first payout in days, not months.
Four steps. Specialist underwriters. Real acquirers. Honest feedback if we need more from you.
Apply in 10 minutes
A short online form. Company details, director details, website, product or service description, expected monthly volume, and average ticket size. That is it to start.
- Company legal name, registration number, and country
- Director name and contact
- Website and product description
- Expected volume and average ticket
Underwriting review, 24 to 48 hours
Specialist underwriters review your file. If we need more, we ask once, in plain language. Prior terminations or high chargebacks do not mean automatic decline. They mean tailored terms.
Document checklist
- Company registration documents
- Director ID and proof of address
- Recent business bank statement
- 3 to 6 months processing history, if available
- Website compliance check (terms, refund policy, checkout)
Integrate
On approval you receive sandbox and production API keys, plus access to your merchant dashboard. Choose the integration that fits your team.
REST API
Full control. Typical build 2 to 5 days.
Hosted checkout
No PCI scope. Live under a day.
Cart plugins
WooCommerce and other major carts. Install and configure.
Go live
A dedicated account manager runs your launch. Real-time monitoring flags anomalies before they become issues. Payouts on a T+1 schedule for eligible flows.
- Dedicated account manager who knows your vertical
- Real-time transaction and chargeback monitoring
- T+1 settlement for eligible merchants
- Quarterly reviews for rate and reserve reductions
Eligibility check
Three questions. Straight answer.
Tell us your vertical, volume, and current status. We will confirm what we can approve and what to expect on terms.
What we look for
Three things that make underwriting easy.
These are not gotchas. They are the things that let our underwriters say yes quickly and set your rate low.
Transparent business model
A product or service that a customer would recognise and pay for. Clear pricing, clear delivery, clear support path. Nothing hidden in the checkout.
Compliant website
Terms of service, privacy policy, refund policy, and clear contact details. Card logos and 3D Secure messaging in the right places. Descriptor that matches your brand.
Realistic volumes
Forecasts that match your history, marketing spend, and staffing. Overstating volume slows underwriting. Understating it wastes reserve headroom.
FAQ
Straight answers about the process.
Approval in 24 to 48 hours, integration typically inside a day with hosted checkout or a plugin, then T+1 settlement on the first eligible batch. Most merchants see their first payout within the first week of processing.
A prior termination does not disqualify you. It changes the shape of your terms. Expect a higher initial reserve, closer monitoring in month one, and a review schedule to bring both back to standard as you build clean history with us.
There is no upfront security deposit. Instead a rolling reserve (typically 5% to 10%) is held back from settled volume to cover refunds and chargebacks. The reserve is your money. It is released on schedule.
Yes. Rizk Pay ships a WooCommerce plugin and integrates with other major carts. If you already have a checkout, hosted fields or our REST API drop straight in. Your dev team can be live in under a day for hosted checkout, 2 to 5 days for a custom REST build.
Ready to apply?
The full form takes about 10 minutes. Decision inside 24 to 48 hours.