Casino & Gaming

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.

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.

High Chargeback and Refund Rates

Players may dispute transactions for various reasons — from losing bets to claiming unauthorised use of cards. These frequent chargebacks increase financial liability for banks and processors, making gaming merchants riskier to support.

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.

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

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)

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.

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.

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