Markets
High-risk merchant accounts, country by country
The country changes the answer: who regulates you, what you may sell, how your customers pay and which documents the acquirer reads. Each guide is sourced and dated.
AustraliaHigh risk merchant account in Australia: 23 of 27 sectors open, no card surcharges since October 2026, local rules checked, first answer in 1 business day.Read the guide
BelgiumHigh risk merchant account Belgium: 20 sectors, Bancontact, SEPA, cards and Alma, Belgian rules checked, and a first answer within 1 business day.Read the guide
CanadaHigh risk merchant account Canada: 25 sectors, cards, Interac, Affirm and Sezzle, provincial rules checked, and a first answer within 1 business day.Read the guide
CyprusPayment gateway Cyprus for CySEC-licensed brokers, crypto firms and high-risk merchants: 22 of 27 sectors open, SEPA, Trustly and gaming wallets.Read the guide
EuropeHigh risk merchant account in Europe: 26 of 27 sectors open across the EU and EEA, SEPA, iDEAL, Bancontact and BLIK, first answer in 1 business day.Read the guide
FranceHigh risk merchant account France: 24 sectors, Cartes Bancaires, SEPA, Alma and Scalapay, French rules checked, and a first answer within 1 business day.Read the guide
Hong KongPayment gateway Hong Kong for high-risk merchants: 18 sectors, Visa, UnionPay, JCB, Alipay and WeChat Pay, local rules checked, first answer in 1 business day.Read the guide
IrelandPayment gateway Ireland for high-risk merchants: 25 of 27 sectors open, SEPA, Trustly, Klarna and gaming wallets, first answer within 1 business day.Read the guide
LuxembourgPayment gateway Luxembourg for high-risk merchants: 21 of 27 sectors open, SEPA, Trustly, Klarna and gaming wallets, with a first answer in 1 business day.Read the guide
MaltaPayment gateway Malta for MGA licensees and high-risk merchants: 23 sectors, SEPA, Trustly and gaming wallets, first answer in 1 business day.Read the guide
New ZealandHigh-risk merchant account NZ: 23 of 27 sectors open, from online casinos applying under the 2026 Act to vapes and supplements, with cards and gaming wallets.Read the guide
PortugalPayment gateway Portugal for high-risk merchants: 22 of 27 sectors open, MB WAY, Multibanco, SEPA and Trustly, with a first answer in 1 business day.Read the guide
SingaporePayment gateway Singapore for high-risk merchants: 18 sectors, Visa, UnionPay, JCB, Alipay and WeChat Pay, local rules checked, first answer in 1 business day.Read the guide
SwitzerlandHigh risk merchant account Switzerland: 25 sectors, TWINT, cards, SEPA and Klarna, Swiss rules checked, and a first answer within 1 business day.Read the guide
United Arab EmiratesPayment gateway UAE for high-risk merchants: 23 sectors, Visa, Mastercard, Apple Pay and bank transfer, UAE rules checked, first answer in 1 business day.Read the guide
United KingdomHigh risk merchant account for UK companies: 25 sectors open, cards, Pay by Bank and Bacs, prices in GBP and a first answer within 1 business day.Read the guide
United StatesHigh risk merchant account USA: 26 sectors, cards, ACH, Cash App Pay and Affirm, state rules checked, and a first answer within 1 business day.Read the guide
And many more
Your country isn't listed? Apply anyway.
We underwrite merchants incorporated in most jurisdictions where card acquiring is available. A country page is the local rules written up in advance. Without one, the underwriter checks them against your file.
Other countries we cover
Austria
Brazil
Colombia
Curaçao
Germany
Italy
Mexico
Netherlands
Spain
Türkiye- and many more
Free to apply. A human answer within 1 business day.