Application declined
Stripe, PayPal or your bank refused your vertical, and you don’t know which PSPs actually accept it.
Payment provider marketplace · iGaming · Forex · Crypto
One marketplace for high-risk merchants and payment providers. Apply once, get matched with verified PSPs that support your vertical, markets and volume, compare offers and get approved.
Gaming, trading and crypto operators lose PSPs, MIDs and payment methods every week. Approvd finds you providers built for your vertical, plus backups so deposits never stop.
Stripe, PayPal or your bank refused your vertical, and you don’t know which PSPs actually accept it.
Your processor shut the account overnight and settlements are frozen while players and clients wait.
You got approved, but high reserves, low caps or slow settlement make the account unworkable.
One marketplace
Every party in high-risk payments in one place: merchants looking for providers, providers looking for merchants and partners, and companies that are both.
Many companies operate a gaming or trading business and also run a payment product. Use one Approvd account to find providers for your business and merchants for your PSP.
The basics
A high-risk merchant account is a payment processing account for businesses that mainstream gateways decline, such as iGaming, casinos, sportsbooks, forex brokers and crypto platforms. Specialist PSPs and acquirers accept these verticals, usually with closer underwriting, higher fees or a rolling reserve.
Every PSP has a different appetite: some take Curaçao-licensed casinos but not sportsbooks, some support forex deposits but not withdrawals, some settle in USDT, others only in EUR. Finding the right high-risk payment gateway means matching your vertical, licence, target countries, payment methods and volume to the providers that actually want that business, then running more than one PSP so a single closure never stops your cashier.
We collect all of this once and send each PSP exactly what its underwriting team needs.
How it works
One structured application replaces a dozen cold submissions. We prepare it, match it, and stay with you until your account is live.
We review your business model, website, policies and documents, then send you a correction checklist before any provider sees your file.
We shortlist providers based on real eligibility: your industry, incorporation country, customer markets, monthly volume and payment methods. You approve every introduction.
Interested providers send private proposals. We compare processing fees, fixed fees, rolling reserve, settlement speed and setup costs so you can see the true cost of each relationship.
The provider you choose completes its own KYB and underwriting. We coordinate document requests, contracts and integration until your first successful transaction.
For payment providers
PSPs, acquirers, APM, payout and crypto providers: tell us exactly what you accept and receive merchants who fit, with complete files, so your underwriting team only reviews deals it can approve.
Corporate, licence, UBO, AML/KYC and processing history collected once and shared with consent.
Request information, approve or decline, and send private offers from one place, by portal or API.
Find acquiring banks, BIN sponsors, local payment method, payout and crypto partners.
Stand out to merchants with a verified profile, then build reputation from real outcomes.
From online casinos and sportsbooks to forex brokers and crypto platforms, we match each vertical with PSPs that actively want it.
Online casinos, slots, live dealer and game aggregators.
Card, local APM and crypto rails with multi-MID routing.
Sportsbooks, exchanges and esports betting platforms.
Fast deposits, instant payouts and high-volume event peaks.
FX, CFD, prop trading and multi-asset brokers.
Cards, wires and local methods for client deposits and withdrawals.
Exchanges, wallets, on/off-ramps and Web3 platforms.
Fiat on-ramp, stablecoin settlement and payout rails.
Fantasy sports, tournaments and skill-based gaming.
Pay-ins, prize payouts and wallet top-ups at scale.
Nutraceuticals, travel, dating and recurring billing.
Card processing with reserve and chargeback management.
Pay-ins and payouts on the local rails your players and clients actually use, with fiat or stablecoin settlement.
Most declines come from a mismatch between your profile and the PSP’s appetite, or from gaps in the file. We fix both before submission.
Missing items (2)
Review key terms side by side, including the rolling reserve that most comparisons ignore.
| Term | Provider A | Provider B | Provider C |
|---|---|---|---|
| MDR (processing fee) | 3.20% | 2.90% | 3.50% |
| Fixed fee per transaction | $0.30 | $0.20 | $0.25 |
| Rolling reserve | 10% | 5% | 8% |
| Reserve duration | 90 days | 60 days | 60 days |
| Settlement | T+2 | T+1 | T+2 |
| Settlement currency | EUR | USDT / EUR | USD |
| Setup fee | $500 | $250 | $0 |
A lower reserve releases more working capital for your business.
Scenarios are anonymised and illustrative. They are not client results or offers.
Multi-brand casino adding SEPA, cards and open banking after its main PSP cut volume caps.
3 PSPs liveUSDT settlement
CFD broker needing card deposits and fast withdrawals for clients in Europe and LATAM.
Cards + wiresT+1 settlement
Betting platform launching PIX deposits and instant payouts ahead of a major tournament.
PIX in 48hInstant payouts
Providers in our network pay us when a merchant we introduced is successfully onboarded and goes live. In some cases we may charge a disclosed placement fee for application review and file preparation. Payments never influence which providers we recommend.
Specialist high-risk PSPs, acquirers and alternative payment providers work with iGaming, casino and sportsbook operators. Each one supports different licences, target markets, payment methods and volumes, which is why we match you with two or three that fit your profile instead of sending you to a generic list.
Forex and CFD brokers usually need a PSP that supports their regulator, client countries and both deposits and withdrawals. We prepare your corporate, licence and compliance documents into one application and introduce you to providers that already process for brokers like you.
A high-risk merchant account is a payment processing account for businesses that banks and mainstream gateways decline, such as iGaming, forex, crypto or subscription businesses. Specialist providers accept them, usually with closer underwriting, higher processing fees or a rolling reserve.
Mainstream gateways exclude these verticals in their acceptable-use policies because of chargeback exposure, regulatory complexity and card-network rules. Rejection usually reflects their risk appetite, not your business. Specialist PSPs are built to serve these categories.
Operators in high-risk verticals typically run multiple MIDs and providers so a single closure, outage or decline spike never stops deposits. We help you add backup providers and compare their terms side by side.
Yes, several providers in our network offer settlement in USDT, USDC, EUR or USD. Tell us your preferred settlement currency in the application and we will only match you with providers that support it.
A rolling reserve is a percentage of each day’s sales that a provider holds back for a fixed period, often 90 to 180 days, to cover chargebacks and refunds. It is released on a rolling basis, so we compare reserve percentage and duration alongside fees.
PSPs, acquirers, APM, payout and crypto providers apply as a provider, complete verification and publish their appetite: verticals, licences, countries, payment methods, currencies and volume ranges. Verified providers then receive merchants that match that appetite, with complete application files.
Yes. Many companies in high-risk payments operate a business and also provide payment services. One Approvd account can hold both roles, so you can find providers for your own business and receive merchants or partners for your payment product.
Yes. Alongside merchants, providers can connect with acquiring banks, BIN sponsors, local payment method, payout and crypto partners, and white-label technology providers to add capacity and new markets.
No. Approvd is a placement and application-preparation service. Your merchant relationship and contract are directly with the PSP you choose, and we never hold your funds.
Merchants: tell us your vertical, markets and volume and we’ll reply with the providers that fit. Providers: tell us what you accept and where. We reply within one business day and never share details without consent.