High-Risk Payment Gateway
The high-risk payment gateway that gets you paid
Declined by Stripe, PayPal or your bank? Paymegate lets high-risk merchants accept Visa, Mastercard, Apple Pay, Google Pay and crypto with no rolling reserves, no monthly fees and settlement straight to your own wallet.
A high-risk payment provider without the usual pain
Instant approval
No lengthy underwriting or document review. Open your account and start accepting payments the same day.
No rolling reserves
Traditional high-risk processors hold 5–10% of your revenue for months. Paymegate settles to your wallet after confirmation.
No frozen accounts
Your money never sits in a Paymegate balance, so there is nothing for us to freeze. Payouts go to a self-custodial wallet you control.
Chargeback protection with crypto
Direct on-chain payments are final after confirmation. Provider-funded card flows follow that provider's dispute rules.
Low, transparent pricing
1% platform fee plus the provider's fee. No setup fees, no monthly minimums, no hidden early-termination charges.
Cards, wallets and crypto
Visa, Mastercard, Amex, Apple Pay, Google Pay, PayPal, Revolut, SEPA, Bitcoin, Ethereum, USDC, USDT and more.
Start accepting high-risk payments in 5 steps
- 1Sign up free — no merchant documents requested.
- 2Configure your payout wallet and enabled payment methods.
- 3Connect WooCommerce, WHMCS, PrestaShop, OpenCart or the REST API.
- 4Customers check out with card, wallet, bank transfer or crypto.
- 5Confirmed payments settle automatically to your wallet.
High-risk industries we support
- Lawful IPTV and streaming services
- Digital downloads and software
- Subscription and membership sites
- Nutraceuticals and supplements (where lawful)
- Travel and ticketing
- Web hosting, VPN and SaaS
- Dropshipping and e-commerce
- Coaching, courses and info products
Integrations
Paymegate vs. traditional high-risk processors
| Feature | Typical alternative | Paymegate |
|---|---|---|
| Approval time | 1–4 weeks | Minutes |
| Rolling reserve | 5–10% for 90–180 days | None |
| Transaction fee | 4–8% + fixed fees | 1% + provider fee |
| Setup & monthly fees | Common | None |
| Account freeze risk | High | No custodial balance |
Traditional figures are typical industry ranges and vary by provider.
Frequently asked questions
What is a high-risk payment gateway?
+
A high-risk payment gateway accepts merchants that mainstream processors decline because of their industry, chargeback history, recurring billing or location. Paymegate routes these merchants' orders to independent providers and supported crypto rails.
Why was I declined by Stripe or PayPal?
+
Mainstream processors often restrict industries such as IPTV, digital goods, subscriptions, travel and nutraceuticals, or merchants in certain countries. Paymegate is designed for legitimate merchants that these processors underserve.
Do you hold a rolling reserve?
+
No. Paymegate does not custody merchant funds. Supported settlement is sent to your configured wallet after the provider or blockchain confirms payment.
Which businesses are not accepted?
+
Fake shops, adult content, gambling, intoxicating substances and any criminal activity are prohibited. Eligibility can also depend on the provider, country, payment method and amount.
Which payment methods can my customers use?
+
Visa, Mastercard, Maestro, American Express, Apple Pay, Google Pay, PayPal, Revolut, SEPA and local bank transfers, plus Bitcoin, Ethereum, USDC, USDT, Solana and other supported crypto assets. Availability depends on the provider, country, currency and amount.
How much does it cost?
+
There is no setup fee and no monthly subscription. The platform fee starts at 1% per transaction, plus the independent provider or blockchain-network fee for the selected method. The minimum order is between $1 and $30 depending on the provider.
Learn more
Best high-risk payment gateways in 2026
Compare underwriting, total cost, reserves, fraud controls, disputes and settlement across providers.
No-KYC Payment Gateway
No-KYC payment gateway for merchants: sign up without ID or business-document uploads, accept Visa, Mastercard, Apple Pay and crypto, get paid to your wallet.
IPTV Payment Gateway
IPTV payment gateway for resellers and providers. Accept Visa, Mastercard, Apple Pay, PayPal and crypto with no merchant KYC, WHMCS plugin and wallet payouts.
Start accepting payments today
Free signup, no merchant documents, 1% platform fee plus provider fees.
Get started free