High-risk merchant rejected elsewhere? FalconPay approves in 48 hours — apply now →

High Risk Payment Gateway · 150+ Countries

Every Other Gateway
Said No.
We Say Yes.

The payment gateway built for the industries mainstream processors refuse. iGaming, forex, crypto, nutraceuticals, travel, and more — all approved in 48 hours with 98.5% transaction success rates.

98.5% success rate
48-hour approval
2,000+ merchants served
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FalconPay high-risk merchant approval queue: pending underwriting, 48h approval rate, MCC coverage
Declined by
Stripe
PayPal
Adyen
Worldpay
Square
Razorpay
Switch to
FalconPay — Approved
The Problem

Why mainstream gateways reject high-risk merchants

It's not your fault. These processors use blanket industry bans, not individual risk assessments.

Blanket industry bans

Stripe, PayPal, and Adyen prohibit entire categories — iGaming, forex, crypto — regardless of compliance status or track record.

Sudden account freezes

Accounts frozen without warning, funds held for 90–180 days, and no path to reinstatement — leaving your business dead in the water.

Chargeback thresholds

High-risk industries have naturally higher chargeback rates. Mainstream processors terminate accounts the moment you exceed their 1% threshold.

The FalconPay Solution

Built for high-risk from day one

We underwrite every merchant individually. Your industry doesn't disqualify you — your business does the talking.

98.5%
Transaction success rate
48 hrs
Average approval time
<0.5%
Average chargeback rate
35+
Currencies supported
  • Individual risk assessment, not industry bans
  • Chargeback management & dispute handling
  • Rolling reserves released on schedule
  • Dedicated high-risk account manager
  • Fiat + stablecoin settlement options
Platform Features

Everything a high-risk merchant actually needs

Not watered-down features. Full-stack capabilities designed for the specific challenges of high-risk processing.

Advanced Fraud Detection

Real-time velocity checks, device fingerprinting, BIN analysis, and behavioural scoring — stops fraud before it hits your chargeback ratio.

AI-Powered

3DS2 Authentication

PSD2-compliant 3D Secure 2.0 with smart routing — apply friction only where needed, protect approval rates on legitimate transactions.

PSD2 Compliant

Chargeback Management

Dedicated team handles all dispute responses, representment, and evidence submission. We fight chargebacks so you don't have to.

Fully Managed

Multi-Currency Processing

Accept payments in 35+ currencies. Dynamic currency conversion at competitive rates. Settle in fiat or USDT/USDC stablecoins.

35+ Currencies

Smart Payment Routing

Intelligent routing across acquiring banks maximises approval rates. Automatic failover keeps transactions processing even if one route goes down.

99.9% Uptime

Real-Time Dashboard

Live transaction monitoring, chargeback alerts, settlement tracking, and risk scoring — everything in one portal with instant export.

Live Analytics
Accepted Industries

High-risk verticals we approve

From iGaming to forex to crypto — if mainstream processors declined you, we probably accept you.

iGaming

iGaming & Casinos

Online casinos, sports betting, poker rooms, lottery platforms, and skill-based gaming. India UPI processing included.

UPISEPAPIXCards
Forex

Forex & CFD Brokers

FX brokerages, CFD platforms, and prop trading firms. Multi-currency accounts and chargeback-resistant acquiring.

WireSEPACardsCrypto
Crypto

Crypto Exchanges

Centralised and decentralised exchanges, OTC desks, and crypto on/off ramp providers needing fiat processing.

USDTUSDCCardsWire
Nutraceuticals

Nutraceuticals

Supplements, vitamins, CBD, and health products merchants often declined due to subscription models and high refund rates.

CardsACHSEPA
Travel

Travel & Ticketing

OTAs, tour operators, airlines, and event ticketing with high chargebacks from cancellations and disputed bookings.

CardsWireBNPL
Other high-risk

Other High-Risk

Adult content, firearms dealers, tobacco/vaping, MLM, and other verticals that mainstream processors routinely refuse.

CardsCryptoWire
Proven Track Record

Numbers that prove we deliver

98.5%
Transaction success rate
2,000+
Active high-risk merchants
48 hrs
Average approval time
35+
Currencies processed
<0.5%
Avg chargeback rate

"After Stripe terminated our account with 48 hours notice and held our funds for 90 days, FalconPay had us processing again within 2 days. Our approval rates are actually higher now."

MR
Marcus R.
CFO, FX Brokerage · London

"We'd been rejected by 6 processors before finding FalconPay. The onboarding was transparent, documentation requirements were clear, and we got approved in under 24 hours."

SA
Sunita A.
Founder, Nutraceuticals Brand · India

"The chargeback management team at FalconPay is exceptional. They handle all representment in-house and we went from a 2.3% chargeback rate down to 0.4% in three months."

JK
James K.
Head of Payments, Online Casino · Malta
How It Works

From application to live processing in 48 hours

Onboarding: Apply, Underwrite in 48h, Integrate, Go live
1

Submit Application

Complete our online form with business details, processing history, and documentation. No surprises.

15 minutes
2

Individual Underwriting

Our risk team reviews your business individually — not against a blanket industry policy.

24–48 hours
3

Integration & Testing

API integration, sandbox testing, and compliance checks. Our technical team guides you through.

1–3 days
4

Go Live

Start processing payments. Real-time dashboard goes live. Your dedicated account manager is on call.

Same day
Compliance & Security

Certified for high-risk processing

Every certification, every audit, every regulation — passed. So you don't have to worry about it.

PCI DSS Level 1

Card Data Security

Highest certification level for payment card security. All card data encrypted in transit and at rest using AES-256.

ISO 27001

Information Security

Internationally recognised information security management standard. Annual third-party audits.

SOC 2 Type II

Operational Security

Independent verification of our security, availability, and confidentiality controls.

AML / KYC

FATF Compliance

Full AML programme, transaction monitoring, and KYC/KYB procedures aligned with FATF recommendations.

GDPR Ready

Data Protection

Full GDPR compliance for EU merchants and customers. Data residency options available for EEA data.

FCA Registered

FCA Registration

Registered with the Financial Conduct Authority as a payment institution. Regulated operations in the UK and EU.

FAQ

Common questions about high-risk processing

What makes a business 'high risk' to payment processors?
Processors classify businesses as high risk based on chargeback potential, regulatory complexity, reputational factors, or industry-specific risks. Common high-risk industries include iGaming, forex, crypto, nutraceuticals, travel, adult content, firearms, tobacco, and MLM businesses.
How quickly can a high-risk merchant get approved?
Most high-risk merchants are approved within 48 hours of submitting complete documentation. We specialise in fast-tracking approvals for iGaming, forex, crypto, and other high-risk verticals. Merchants with prior processing history and low chargeback rates are typically approved fastest.
What chargeback protection does FalconPay provide?
FalconPay provides real-time fraud scoring, velocity checks, 3DS2 authentication, device fingerprinting, and a dedicated chargeback management team. We handle all dispute responses, representment, and evidence submission in-house. Our high-risk merchants maintain an average chargeback rate below 0.5%.
What payment methods are available for high-risk merchants?
FalconPay supports Visa, Mastercard, UPI (India), SEPA (Europe), PIX (Brazil), bank transfers, USDT, USDC, and 20+ local payment methods across India, Europe, Brazil, and LATAM. High-risk merchants get access to the full payment method suite.
Can FalconPay process in multiple currencies?
Yes. FalconPay supports 35+ currencies including INR, EUR, USD, BRL, GBP, AUD, CAD, and major emerging market currencies. Merchants can settle in fiat or in USDT/USDC stablecoins, enabling instant cross-border transfers without FX volatility.
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Join 2,000+ high-risk merchants who process with FalconPay. Individual underwriting, 48-hour approval, and a payment stack built for the real world.

No setup fees
PCI DSS Level 1
24/7 support