Experts in High-Risk Merchant Solutions
Driven by blockchain technology, crypto offers borderless transactions, 24/7 trading, and unprecedented financial transparency — redefining how value is created and exchanged. Its decentralized nature eliminates traditional barriers, allowing individuals and enterprises to participate in a truly global economy. With rising institutional adoption, growing real-world use cases, and continuous technological advancement, the crypto market stands as a symbol of the future of finance — open, inclusive, and full of opportunity.
Why Cryptocurrency is High-Risk
We understand that innovation comes with complexity. Traditional banks and processors hesitate to work with crypto businesses not because of what they do, but because of the unique challenges that come with digital assets. Here’s why:
Regulatory Uncertainty
Cryptocurrency regulations differ widely across countries and continue to evolve. The lack of unified global standards creates uncertainty for acquiring banks, making them cautious when onboarding crypto-related merchants.
AML & KYC Compliance Challenges
Because many crypto transactions are pseudonymous, verifying the source of funds and customer identities is more complex. This raises concerns around Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance — key requirements for financial institutions.
High Fraud & Chargeback Exposure
Crypto transactions are irreversible, meaning once funds are sent, they cannot be reclaimed. This increases exposure to fraud, scams, and customer disputes involving fiat on-ramps or withdrawals.
Market Volatility
The value of digital currencies can change dramatically within minutes. This volatility can impact liquidity, settlement timelines, and refund processes — all of which raise perceived financial risk for processors.
Reputational & Legal Risk
Despite growing legitimacy, crypto exchanges are still linked with illicit transactions in the public eye. Banks and processors must carefully vet clients to avoid reputational damage or compliance violations.
Cross-Border Complexity
Most crypto exchanges serve global users, handling transactions across multiple jurisdictions with differing tax, data, and licensing laws — adding another layer of compliance complexity.
With the right payment partner, crypto doesn’t have to be complicated.
We specialise in high-risk payment processing for cryptocurrency exchanges, trading platforms, and blockchain businesses. We provide compliant, secure, and scalable payment solutions — helping you connect seamlessly between fiat and digital assets, while meeting global regulatory standards.
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Everyday banking made simple
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Global Coverage
Partnerships with trusted acquiring banks worldwide.
Cross-Border Capabilities
Accept payments in over 150 currencies seamlessly, with transparent conversion rates.
Detailed Reports
Transparent pricing and clear reporting dashboards.
Secure Payments
Stay protected and aligned with PCI-DSS, AML, and KYC regulations. We help you navigate the complexity of operating in regulated markets.
Service Guarantee
99.9% uptime and robust gateway performance. We won't let you down with our 24/7 support all the year around.*
Settlement Terms
Fast, Reliable Payouts Enjoy faster settlement times and reliable cash flow management — even across multiplec.sscccc
Frequently asked questions
Got a question about how High Risk Payment process works for Cryptocurrency Merchants? View more Q&A here
What Is High-Risk Payment Processing?
High-risk payment processing refers to financial services designed for businesses that operate in industries with higher levels of chargebacks, regulatory complexity, or perceived financial risk. These businesses are classified as “high-risk” by banks and payment processors due to factors like transaction volume, business model, or market type.
Why It’s Called “High-Risk”?
A business may be labeled high-risk for reasons such as:
High chargeback ratios or refund rates.
Recurring billing or subscription models.
Operating in regulated or restricted industries (e.g., gaming, betting, or adult).
Serving international customers or processing cross-border transactions.
Large transaction volumes or high average ticket values.
Because of these factors, acquiring banks and payment gateways require specialized risk management tools, compliance frameworks, and underwriting processes to protect both the merchant and the financial institutions involved.
Why Cryptocurrency Businesses are High Risk?
Crypto exchanges are considered high-risk by banks and payment processors because they operate in a complex, fast-changing regulatory environment with elevated risks of fraud, money laundering, and volatility. The pseudonymous nature of cryptocurrency transactions makes it difficult to verify customer identities and trace funds, raising AML (Anti-Money Laundering) and KYC (Know Your Customer) compliance concerns. Additionally, the market’s extreme price fluctuations, potential for chargebacks, and cross-border operations create operational and reputational challenges for financial institutions, leading many to approach the sector with caution.
What are the Regulatory and Licensing Requirements
Online gaming and casinos are heavily regulated and vary by country or state. The need to comply with strict KYC (Know Your Customer), AML (Anti-Money Laundering), and age verification laws makes compliance management complex and costly. Banks often prefer to avoid exposure to potential noncompliance or regulatory penalties.
Because of high transaction volumes, anonymity in digital payments, and cross-border operations, the gaming sector is a target for fraudulent activity and potential money laundering. This risk demands enhanced monitoring and due diligence from processors.
How to Get Started?
Simply press Get Started for a quick initial Consultation to get pre-approval.
We then start by understanding your business model, transaction volume, and operational setup.
Goal: Identify the best acquiring bank or payment network suited to your industry, region, and risk profile.
You’ll provide:
Basic business details (company name, website, country of operation)
Description of products/services offered
Estimated monthly processing volume and average transaction size
What Supporting Documents are Required?
Once pre-qualified, you’ll need to submit compliance and verification documents so the acquiring bank can review your application.
Typical documents include:
Certificate of incorporation / business license
Owner or director ID (passport or government-issued ID)
Proof of address (for business and owners)
Bank reference letter or recent statement
Processing history (3–6 months, if available)
Website URL (live and compliant with KYC/AML and gaming regulations)
License or certification (for casinos or betting platforms)
What Happens Next?
Underwriting & Risk Review
The acquiring bank and processor will review your application to assess:
Regulatory compliance and licensing validity
Chargeback history or exposure
Website security (SSL, privacy policy, responsible gaming disclosure)
Payment flow and refund policies
This step ensures your business meets both compliance standards and risk control requirements.
My Application is Approved... What are the Next Steps?
Account Approval & Integration
Once approved, you’ll receive your merchant account credentials and gateway integration details.
Our technical team helps you connect via:
API or hosted payment page
Custom plugins for platforms like SoftGamings, BetConstruct, or custom-built casino sites
We also perform test transactions to ensure everything runs smoothly.
What Support will Hero Provide?
We provide ongoing support throughout your application.
After successful testing, your account goes live.
From there, we provide:
Real-time transaction monitoring
Fraud prevention and chargeback alerts
Ongoing compliance and reporting support
Dedicated account management