Capabilities
A payment gateway with the full high-risk toolkit.
A high-risk gateway earns its place with infrastructure, not promises. This is the full technical picture: cards, local methods, security, disputes, payouts and integration.
Cards, worldwide
Card acceptance through acquirers that underwrite high-risk business models on their own terms.
Visa & Mastercard
Acceptance through acquirers that accept high-risk verticals across Europe, Asia and offshore jurisdictions.
3DS2 routing
Version 2.2 with exemption handling: frictionless authentication where it helps approval, challenge where it protects liability.
Multi-currency processing
Present in the customer's currency, settle in yours, with DCC where it makes sense for the model.
Recurring and one-click
Card-on-file, subscription and continuity billing with scheme-compliant mandate handling.
MOTO & virtual terminal
Mail-order and telephone-order payments with a virtual terminal for manual entries.
Card account updater
Card-on-file details refresh automatically when cards expire or are replaced, so subscriptions keep billing without customer friction.
Local payment methods
High-risk merchants sell across borders. Your customers pay with what they already trust.
Pix
Brazil's instant payment rail, essential for any LatAm-facing operation.
iDEAL
The default Dutch online payment method, via local acquiring.
SEPA & bank transfers
Direct debits and credit transfers across the Single Euro Payments Area.
Open banking
Account-to-account payments where bank rails beat cards on cost.
Wallets
Regional wallets where they dominate checkout share.
Crypto settlement
Accept fiat, settle stablecoins or crypto where the model and jurisdiction allow it.
Security & compliance
Cardholder data, fraud and screening handled to the standards acquirers expect from a high-risk gateway.
PCI DSS Level 1
Cardholder data handled on PCI DSS Level 1 compliant infrastructure, the highest level of the standard.
Fraud scoring
Transaction-level rules, velocity checks, device signals and per-vertical thresholds tuned during onboarding.
Chargeback alerts
Early-warning feeds from the schemes so disputes are resolved before they become chargebacks.
KYC & AML screening
Onboarding checks aligned with acquirer requirements in your jurisdiction.
Tokenization
Card data stored as tokens, never as raw numbers, in your gateway vault.
Compliance mapping
We map your PCI scope and list the exact documents and SAQ the acquirer expects before activation. Filing remains yours. The map is ours.
Chargeback management
Disputes decide whether a high-risk account lives or dies. The toolkit treats them as a process, not an emergency.
Representment
Evidence assembly and response filing within scheme deadlines, with templates per dispute reason code.
Dispute analytics
Monthly breakdown by reason code, product and market so you fix the cause, not the symptom.
Alert-based prevention
Refund-before-dispute workflows triggered by scheme alerts, cutting chargeback counts directly.
Ratio monitoring
Continuous tracking against Visa and Mastercard thresholds, with warnings before a program becomes a problem.
Payouts & settlement
Getting money out is half the product for platforms, brokers and marketplaces.
Scheduled settlement
Daily, weekly or custom settlement cycles defined in your offer.
API payouts
Automated payouts to suppliers, affiliates and sellers, in the currencies you need.
Multi-account routing
Split settlement across entities and currencies where the model requires it.
Rolling reserve reporting
Transparent reserve balances with release dates, visible in the dashboard and the reports.
Integration
If your platform has a checkout, OpenGate can sit behind it.
REST API
Full payment, refund, payout and webhook API with a test environment.
Hosted checkout
A payment page with your brand, 3DS2 and fraud scoring included, live in hours.
Plugins
Connectors for the major e-commerce platforms, CRM systems and subscription engines.
Pay-by-link
Invoice links for high-ticket, consultation and B2B payments, with expiry and limits.
FAQ
Capabilities FAQ
Which currencies can I settle in?
Is 3DS2 mandatory for high-risk merchants?
Can I keep my current gateway and add OpenGate for specific markets?
Do you support crypto payouts?
Capabilities
Put the toolkit to work.
Tell us your model and your markets. The offer lists the exact capabilities that apply to your file.
Free to apply. A human answer within 1 business day.