Payment methods

Payment methods for high-risk merchants

Your customers pay the way they already trust: cards, wallets, local bank payments, buy now pay later and stablecoins. OpenGate connects them through one gateway and one underwriting file.

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49 payment methods. Each method is switched on for your business model and your markets, and confirmed in your written offer.

Cards

The international schemes and the domestic networks your customers carry.

Visa
Used in: Worldwide
Mastercard
Used in: Worldwide
American Express
Used in: Worldwide
Discover
Used in: United States
Diners Club
Used in: Worldwide
JCB
Used in: Japan
UnionPay
Used in: China
Cartes Bancaires
Used in: France
Korean cards
Used in: South Korea

Wallets

Mobile and digital wallets, from Apple Pay and PayPal to the apps that lead checkout in Asia and Europe.

Apple Pay
Used in: Worldwide
Google Pay
Used in: Worldwide
PayPal
Used in: Worldwide
Alipay
Used in: China
WeChat Pay
Used in: China
Amazon Pay
Used in: United States, United Kingdom, Germany, Japan
Samsung Pay
Used in: South Korea, United States
Revolut Pay
Used in: Europe, United Kingdom
Kakao Pay
Used in: South Korea
Naver Pay
Used in: South Korea
PAYCO
Used in: South Korea
PayPay
Used in: Japan
MobilePay
Used in: Denmark, Finland
MB WAY
Used in: Portugal
Satispay
Used in: Italy
Skrill
Used in: Worldwide
NETELLER
Used in: Worldwide
paysafecard
Used in: Worldwide
MuchBetter
Used in: Worldwide

Bank payments

Real-time and redirect payments from the customer's bank account, the default way to pay online in many countries.

iDEAL | Wero
Used in: Netherlands
Bancontact
Used in: Belgium
BLIK
Used in: Poland
Przelewy24
Used in: Poland
EPS
Used in: Austria
TWINT
Used in: Switzerland
Multibanco
Used in: Portugal
Bizum
Used in: Spain
Pix
Used in: Brazil
UPI
Used in: India
Pay by Bank
Used in: United Kingdom, Europe

Buy now, pay later

Instalments and deferred payment, a strong option for larger baskets in Europe.

Klarna
Used in: Europe, United States
Alma
Used in: France, Belgium, Italy, Spain
Scalapay
Used in: Italy, France, Spain
Billie
Used in: Germany, Europe

Direct debits and bank transfers

Pull payments for subscriptions and invoices, and plain transfers for large tickets.

SEPA Direct Debit
Used in: SEPA area
ACH Direct Debit
Used in: United States
Bacs Direct Debit
Used in: United Kingdom
Bank transfers
Used in: Worldwide

Stablecoins

USDT and USDC accepted as payment, with settlement in fiat or stablecoins where your model and jurisdiction allow it.

USDT
Used in: Worldwide
USDC
Used in: Worldwide

FAQ

Payment methods: common questions

Which payment methods can a high-risk merchant accept?

Cards first: Visa, Mastercard, American Express, Discover, Diners Club, JCB, UnionPay and Cartes Bancaires. On top of them come wallets, local bank payments, buy now pay later, direct debits and stablecoins. The underwriter matches the list to your vertical and to the countries your customers buy from.

Can I offer PayPal or Klarna in a high-risk vertical?

Often, but not in every case: wallet and buy now pay later providers set their own rules on the businesses they accept. The underwriter tells you which ones your model qualifies for, and the written offer lists them before you sign.

Do you accept USDT and USDC?

Yes. Customers can pay in USDT or USDC, and you choose settlement in fiat or in stablecoins where your model and jurisdiction allow it.

Can I add a payment method later?

Yes. Tell us which method you need: it is reviewed like the first ones and added to your offer in writing before it goes live on your checkout.

Payment methods

Find out which methods your business qualifies for

Send your file. A human underwriter answers within 1 business day, and your written offer lists the methods, rates and terms.

Apply to start processing Capabilities

Free to apply. A human answer within 1 business day.