RizkPay

Product

One gateway built for hard verticals.

Security, smart routing, an AI fraud engine, chargeback tooling, global payouts, and a developer-first API. Every part of the stack tuned for merchants generalist processors will not touch.

Security and tokenisation

Card data locked down at every step.

Cards are tokenised the moment they hit our vault, then re-used from token IDs alone. TLS on every hop, encryption at rest, and PCI DSS Level 1 certification across the platform. Your servers never store a PAN.

  • PCI DSS Level 1 certified end to end
  • Vaulted card tokens, PAN never returns to your systems
  • TLS 1.2+ everywhere, HSTS enforced
  • AES-256 encryption at rest, key rotation on schedule

Card in flight

CheckoutTLS 1.2+
↓
Rizk Pay vaultPAN → token
↓
AcquirerToken only
↓
Your serverNever sees PAN

Smart routing and 3DS2

Every transaction routed to its best home.

Not every checkout needs 3D Secure. Not every acquirer wants your BIN. We route intelligently between acquirers, cascade on soft declines, and step up to 3DS2 only when risk or regulation says we should.

  • 2D processing for low-risk baskets (frictionless checkout)
  • 3DS2 stepped up automatically when risk or SCA rules require it
  • Cascading between acquirers on soft declines to lift approval rate
  • BIN and country routing tuned per merchant

Live routing decisions

  • $45 T-shirt, AU BIN
    2D · Acquirer AFrictionless
  • $620 electronics, EU BIN
    3DS2 · Acquirer BStep-up
  • $210 supplement, US BIN
    2D → cascade → Acquirer CRecovered

AI fraud engine

Rules and models tuned to your book.

Fraud is not the same in iGaming as it is in nutraceuticals. Our engine starts from vertical baselines, then tunes per-merchant thresholds during onboarding and keeps learning from your outcomes.

  • Velocity rules per card, IP, device, and email
  • Device fingerprinting across sessions and merchants
  • IP intelligence and BIN reputation feeds
  • Per-merchant risk thresholds set at onboarding, reviewed quarterly

Risk signals combined

  • Velocity (card, IP, device)82
  • Device fingerprint match46
  • BIN reputation71
  • IP intelligence58
  • Merchant threshold65

Chargeback management

Stop disputes before they hit your ratio.

Alerts refund confused customers before a dispute is filed. Automatic representment builds an evidence pack from the transaction, device, and delivery data we already have. Ratio dashboards warn you before you approach a scheme threshold.

  • Ethoca and Verifi pre-dispute alerts wired in as standard
  • Automatic representment with an evidence pack per case
  • Ratio monitoring with warnings well before scheme thresholds
  • Vertical-specific dispute playbooks
Deep dive on chargeback tools

Dispute dashboard

Ratio
0.42%
Alerts refunded (30d)
23
Representment win rate
61%
Scheme threshold
0.90%

Global payouts and multi-currency

Settle where your customers live.

Local acquiring lifts approval rates and cuts cross-border fees. Settle in 30+ currencies on a T+1 schedule for eligible flows. Your treasury sees one clean ledger.

  • 30+ settlement currencies
  • T+1 payout schedule for eligible merchants
  • Local acquiring across 190+ countries reduces cross-border declines
  • Consolidated reporting across acquirers

Settlement ledger

  • AUAUD
    T+1
  • USUSD
    T+1
  • EUEUR
    T+1
  • UKGBP
    T+1

Plus 26 more currencies. Local acquiring where available.

Developer-first API

A REST API that reads like documentation.

Clear resources, predictable errors, webhooks that retry, and a sandbox live on day one of approval. Prefer no-code? Hosted checkout is a copy-paste. Prefer plugins? WooCommerce and other major carts are covered.

  • REST API with idempotency keys and typed webhooks
  • Hosted checkout with zero PCI scope
  • WooCommerce and major cart plugins
  • Sandbox on approval, production keys once you go live
Developer platform
POST /v1/payments
curl -X POST https://api.rizkpay.com/v1/payments \
  -H "Authorization: Bearer sk_live_..." \
  -H "Idempotency-Key: 9F2A-1284" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 128400,
    "currency": "AUD",
    "payment_method": "tok_1QwErTy...",
    "descriptor": "ACME-STORE",
    "capture": true,
    "three_ds": "auto"
  }'

Honest comparison

Rizk Pay vs mainstream PSPs.

No strawman. Mainstream PSPs win on instant signup and simple pricing. Rizk Pay wins on everything that matters when the merchant is high-risk.

Capability
Rizk Pay
Mainstream PSP
Accepts high-risk verticals
Yes

Forex, iGaming, CBD, and six more

No

Blocked at signup or terminated later

Dedicated underwriting
Yes

Human specialists per vertical

No

Automated risk models only

Instant signup
No

24 to 48 hours underwriting

Yes

Minutes, but you can be dropped later

Termination risk
Partial

Low, with rate and reserve reviews

No

High for hard verticals

Chargeback tooling included
Yes

Alerts, representment, ratio dashboards

Partial

Basic evidence uploads

IC++ price transparency
Yes

Every line disclosed

No

Blended flat rate hides interchange

Human account manager
Yes

Named contact per account

No

Support ticket queue

One gateway. Every hard vertical.

Approval inside 24 to 48 hours. Transparent IC++ pricing. No hidden fees.

Get approved in 48hTalk to an expert