VELOPAYMENTS Apply now

High-risk merchant accounts & payment gateways

Payments for the businesses banks call high-risk

VeloPayments connects your business with acquiring banks and payment providers that understand your industry. We handle the application, the underwriting conversations and the setup, then stay on as your payments team.

  • Placement for hard-to-place and previously declined merchants
  • Multi-acquirer routing for higher approval rates and backup processing
  • A dedicated account manager you can reach directly on Telegram
Visa & Mastercard3-D SecureAPMsCryptoMulti-currencyRecurring billing

Apply for an account

Two minutes to fill in. An account manager replies on Telegram.

Enter your name.
Enter your business name.
Enter a valid email address.
Add a Telegram username or phone number.
Choose an industry.
Choose a range.

Your details go straight to our team. We never share them without your consent.

Services

Everything you need to take payments

One partner for the account, the gateway and the work that keeps both running.

Merchant Accounts

Accounts with acquiring banks that accept your business model, including merchants other providers turned down.

Payment Gateway

One integration with smart routing across several acquirers, so a declined transaction gets a second chance.

Crypto Payments

Accept crypto from customers and settle in crypto or fiat. No chargebacks on crypto transactions.

Alternative Payment Methods

Local payment methods, e-wallets and bank transfers for the markets your customers pay from.

Risk & Chargeback Management

Fraud screening, 3-D Secure and chargeback alerts that keep your ratios inside acquirer limits.

Multi-Currency Settlement

Charge customers in their own currency and receive payouts in the currencies you operate in.

Industries

We know your MCC before you tell us

Banks judge risk by merchant category code. We work with each category below every day and know which acquirers accept it.

MCC 7995iGaming & CasinoOnline casinos, poker, lotteries and sportsbooks.
MCC 6211Forex & Prop TradingBrokers, CFD platforms and funded-trader programs.
MCC 6051CryptoExchanges, on-ramps, wallets and OTC desks.
MCC 5499NutraceuticalsSupplements, vitamins and trial-offer funnels.
MCC 7273Online DatingDating sites, apps and membership platforms.
MCC 5967Adult EntertainmentContent platforms, live streaming and adult retail.
MCC 4722TravelAgencies, tour operators and booking platforms.
MCC 5968Subscriptions & SaaSContinuity billing, memberships and software.
MCC 5993Vape & E-cigarettesE-liquids, devices and smoke shops.
MCC 5912CBDOils, edibles, topicals and wellness products.
MCC 7379Tech SupportRemote support and software services.
MCC 5999E-commerceCross-border retail and high-ticket goods.

Not on the list? Apply anyway. If an acquirer accepts it, we can usually place it.

How it works

From application to first payment

1

Apply

Fill in the short form. An account manager contacts you on Telegram.

2

Match

We review your business and choose the acquirers most likely to approve it.

3

Onboard

We prepare your documents and handle the conversations with the bank's underwriting team.

4

Go live

Connect through our API, hosted checkout or plugins and start accepting payments.

Why VeloPayments

A payments team, not a ticket queue

High-risk processing is about relationships with acquirers and quick answers when something changes. That is the job we do.

Start your application
Direct access

One account manager who knows your business, reachable on Telegram instead of an email ticket system.

Several acquirers

We don't depend on a single bank. If one partner tightens its policy, we move your volume to another.

Transparent terms

You see the rates, reserves and settlement schedule before you sign.

Secure by default

Card data is handled by PCI DSS compliant partners, with 3-D Secure and fraud screening on every account.

FAQ

Common questions

What makes a business high-risk?

Banks look at the industry, chargeback and refund rates, average ticket size, recurring billing, the countries you sell to and your processing history. Any of these can put a business in the high-risk category, even when it is fully legal and well run.

I was declined by another provider. Can you still help?

Usually, yes. Many of our merchants come to us after a decline or a closed account. Tell us what happened in the form and we will look for acquirers that accept your profile.

How long does approval take?

It depends on the industry and the acquirer. Once we have your complete documents, many applications are approved within days. Your account manager gives you a realistic timeline after the first review.

What documents will I need?

Typically company registration documents, IDs of directors and owners, proof of address, a business bank account, a working website with terms and refund policy, and recent processing statements if you have them.

Do you work with new businesses?

Yes. New businesses without a processing history can apply. Expect a rolling reserve or volume limits at the start, which can be reviewed as your history builds.

How do I integrate?

You can connect through our API, a hosted payment page, or ready-made plugins for common e-commerce platforms. We help your developers through the setup.

Ready to start accepting payments?

Send your application and an account manager will reply on Telegram.

Apply now Message us on Telegram