
Dominate Regulated Markets With Our High-Risk Payment Gateway
Your high-risk business faces unique payment challenges. Traditional processors say no. Banks freeze your funds. Fees eat your profits. At FastoPayments, we’ve engineered a different kind of payment gateway—one built specifically for regulated industries.
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Why Most High-Risk Payment Gateways Fail Merchants
Traditional payment processors weren’t built for businesses like yours. Whether you run a cryptocurrency exchange, sell CBD products, or operate an adult platform, you need more than basic processing. You need a gateway that understands regulated industries.

Why your business needs a high-risk payment gateway
You sign up with Stripe or PayPal, start processing payments, and suddenly find your funds frozen for 180 days. Why? Because these platforms weren’t built for high-risk industries.
At FastoPayments, we’re built from the ground up with high-risk merchants in mind. Our platform handles regulated industries like yours with multiple banking relationships, so your funds stay secure and accessible at all times.

Which Industries Can Benefit From a High-Risk Payment Gateway
Adult entertainment businesses operate in a high-risk category due to strict age restrictions, legal complexities, and frequent chargebacks. This includes adult streaming platforms, online adult stores, and strip clubs.
Travel industry face cancellations and spikes in demand driven by weather, events, etc. Travel agencies, flight operators, and tour operators are especially affected.
CBD businesses face complex regulatory challenges and banking restrictions, making it difficult to secure reliable payment processing. Online and retail CBD sellers, hemp product distributors, and wellness brands often encounter high chargeback rates and compliance hurdles.
Vaping and tobacco businesses are under constant regulatory pressure and face health-related restrictions. This makes it difficult for online cigar, cigarette, and vape product retailers to obtain secure payment processing.
Cryptocurrency businesses, including exchanges and wallet providers, are high risk due to market volatility, fraud concerns, and evolving regulations worldwide.
Gambling businesses, including lottery services, sports betting platforms and online casinos are clasified as high-risk due to high chargeback rates and fraud patterns.
Understanding High-Risk Merchant Accounts
Traditional merchant accounts work perfectly for things like your everyday retail shops. But your business may face more complex challenges. High chargeback rates and strict regulations might be making your bank nervous. That’s where a high-risk merchant account enters the game.
Here’s the uncomfortable truth: your high-risk merchant account might come with higher fees and stricter terms. At FastoPayments, we’re striving to drive processing fees down to as low as 3% for merchants with a solid transaction history.
Two paths lead merchants to high-risk payment gateway solutions. One, you might be working in an industry banks typically label as high-risk, such as adult, crypto or gaming. Two, you might experience high fraud or chargeback rates. Either way, a high-risk payment gateway keeps you processing when others don’t.
Inside Our High-Risk Payment Gateway
At FastoPayments, we’ve engineered every component specifically for high-risk processing:
Advanced fraud prevention system that spots problems before they become terminal
Real-time analytics that reveal transaction patterns
Multi-currency processing across 150+ currencies
Global payment methods for international expansion
Industry-specific compliance tools
We Understand Your Payment Gateway Needs
While others reject you, we specialize in adult content, CBD, gaming, crypto, and subscription services. Our approval process is built for high-risk businesses. Types of businesses we support include:
Adult content and services: Our secure payment processing for adult businesses combines advanced age verification, fraud prevention, and multiple banking relationships. We combine Ethoca and Verifi chargeback prevention with AI-driven fraud screening through Kount, 3DS 2.0 smart authentication, and Rapid Dispute Resolution automation.
Travel and booking: Delayed fulfillment, high ticket values, and seasonal swings are all part and parcel of the travel business. Our high-risk travel merchant account include real-time, multi-currency processing to keep you business running smoothly no matter what.
Gaming and gambling: Our gambling merchant account combines high-speed processing with KYC and AML checks to simplify your gaming payment infrastructure.
Crypto and digital currency: The crypto industry moves fast and traditional payment gateway processors just can’t keep up. Our crypto payment gateway handles the complex stuff, from smart contracts to cross-border processing, while you focus on building your platform
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We Support Your Favorite Integrations
Unique businesses call for custom solutions, so FastoPayments’s API lets you tailor your high-risk payment gateway to fit your specific business needs. Whether on a host page or server-to-server, our payment API ensures your payment processing is optimized and future-proof.

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FAQs
Do I need a high-risk payment gateway?
Your business might need a high-risk merchant account if it operates in an industry with higher-than-average chargeback rates, regulatory scrutiny or banking restrictions. This includes industries such as adult, CBD, crypto and gambling. If a traditional processor declines your application or imposes strict restrictions, you likely need a high-risk payment gateway.
What happens if I exceed the chargeback limit?
We monitor your chargeback rates and alert you if you hit a certain threshold. Our prevention tools also reduce the number of chargeback requests your receive.
Can I process payments internationally?
Yes, our platform supports over 100 currencies and integrates with local payment methods worldwide.
Do you offer API integration?
Yes, our REST API offers testing environments, detailed documentation and direct support from our development team.
How do you handle security?
We maintain PCI DSS Level 1 compliance and use multi-layer encryption. Your customer data stays protected through tokenization and advanced security protocols.
Can I keep my existing bank account?
Yes. We work with most business bank accounts and can also help set up specialized accounts if needed for your industry.
What happens during processing outages?
Our multi-acquirer setup automatically routes transactions through alternate processors during outages. Your business keeps running even if one acquirer goes down.
Do you support recurring billing?
Yes. Our system handles subscription billing, trial periods, and recurring payments with automated retry logic and decline recovery tools.
In which countries do you offer high-risk payment gateway services?
At FastoPayments, we offer high-risk merchant accounts to US and UK sellers as well as most European countries, including but not limited to:
Italy
Spain
France
Germany
Portugal
Denmark
Sweden
Greece
Austria
Malta
Monaco
Netherlands
More! Get a free consultation from us
How do I know if my high-risk payment gateway is safe?
The first thing to check is your SSL/TLS connection, if you see “https://” in the URL you know that the data is encrypted between the data and the user.
Next, confirm that the gateway adheres to PCI DSS standards which protect cardholder data. You don’t want fraud to plague your account so it’s best to implement things like 2FA and tokenization. Most high-risk payment gateway providers will have these tools built-in but it’s best to check with them directly.
How to get a high-risk Merchant Identification Number (MID)?
For businesses that are labeled high-risk, obtaining a MID is crucial for processing payments. One of the best practices we recommend is to obtain several MIDs so that in case one of them gets suspended, your transactions keep flowing.
But switching providers shouldn’t mean losing your customer payment data. FastoPayments’ payment gateway stores tokens separately from your merchant account, so if a processor freezes your funds, your customer data remains secure and portable.
Next. managing your MID means actively stopping chargebacks before they occur. FastoPayments uses advanced AI-driven fraud prevention as well as dispute resolution tools like Ethoca and Verifi to keep your account safe from chargebacks.
Which high-risk payment gateway is best for eCommerce businesses?
If you’re operating as a high-risk eCommerce merchant, you need a payment gateway that’s secure, reliable and integrates well with popular platforms such as Shopify and WooCommerce.
With a 90% approval rate, FastoPayments streamlines onboarding, with high-risk merchants typically up and running within two to three weeks.