QrPay
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High-Risk Merchant Account
Secure, accessible payment solutions and card processing for high-risk industries. Accept payments confidently with our specialized merchant services.
Comprehensive Payment Solutions
Fraud Prevention
Stay ahead of fraudulent transactions with our suite of risk management tools designed to protect your business.
Improved Success Rates
Receive merchant category code 6012 for high-risk businesses, including financial institutions, to boost authorization rates.
Unified Platform
Consolidate your data, payment management and reconciliation all under one roof for seamless operations.
Real-Time Insights
Access global data across all channels and payment methods to track performance and spot suspicious activity.
What Businesses Are Classed as High-Risk?
A high-risk merchant is a business that operates in an industry or market more likely to experience financial loss, chargebacks, fraud or legal issues. Payment processors often see these businesses as riskier, making it harder to secure reliable payment services.
The type of products or services offered, a history of chargebacks, or strict industry regulations can all contribute to being classified as high-risk.
Do I Need a High-Risk Merchant Account?

Have you been struggling to get a merchant account? If your business falls into a 'high-risk' sector, you might find it more difficult to obtain a merchant account to accept credit and debit card payments online.
You Could Benefit From Our Services
If you've faced challenges securing payment processing, Nomupay's high-risk merchant services can help. We specialize in getting businesses like yours approved and processing payments quickly.
High-Risk Industries We Work With
There are so many industries classed as 'high-risk', some you may not even realize. At Nomupay, no matter which sector you're in, we'll put your account application forward to the best high-risk account provider for your needs.
Financial Services
  • Foreign Exchange (Forex)
  • Money Transfer
  • Payday Loans
  • Credit Repair & Debt Management
  • Investment Schemes
  • Cryptocurrency
Entertainment & Lifestyle
  • Adult Entertainment
  • Online Gaming & Gambling
  • Dating Services
  • Nightclubs and Bars
  • Events and Tickets
E-Commerce & Digital
  • Software Downloads
  • Domain Registration
  • Technical Support & Web Development
  • ISP and Hosting Services
  • Online Auctions
Retail & Products
  • Hemp Oil
  • Tobacco and E-Cigs
  • Nutraceuticals
  • Health & Wellness Products
  • Alcohol Products
  • Jewellery, Watches & Accessories
We Specialize in High-Risk Merchant Accounts
  • Higher setup, annual and transaction fees
  • Longer settlement periods
  • Increased account security
But with QrPay, you'll get so much more.
We provide secure payment solutions that protect your business from risks, including a secure payment gateway. This protects both you and your acquiring bank from potential losses associated with chargebacks and card fraud.
Gateway Features That Protect Your Business
Smart Dynamic Routing
Soft payment declines can instantly be retried with a fallback acquirer for improved success rates.
Local Acquiring Integration
Connect global banks with multiple Merchant IDs all within the same integration across Europe, MENA and Southeast Asia.
Chargeback Alerts
Receive early warnings of chargebacks so you have time to turn them into refunds, reducing costs.
Create Blacklists
Deny payments from specific emails, IPs, countries, devices and addresses to prevent fraudulent activity.
Extra Security Controls
Powerful card verification and security tools to confirm details such as security codes and customer addresses.
Enhanced Reporting
Track your transactions and defense in real-time with direct updates and comprehensive reporting functions.
Application & Set-Up Made Simple
Tired of being turned down by banks? They're often wary about setting up accounts for unfamiliar businesses in high-risk industries. We've established strong relationships with partnered acquirers who are more likely to consider opening accounts for high-risk merchants.
01
Welcome Onboard
Contact us to get started with one of our payment specialists.
02
Set Up
Explore your new solution with your very own test account.
03
Go Live
Launch and discover the benefits of Nomupay's unified platform.
04
Ongoing Support
Our advisors provide support at any stage of your journey.
We can negotiate with acquiring banks on your behalf to offer payment security solutions such as fixed bonds, rolling reserves, and deferred payments. We also provide settlements in rands for your convenience.
Frequently Asked Questions
How do I open a high-risk merchant account?
Similar to opening a standard merchant account, just fill out an application and one of our specialists will be in touch. You'll be partnered with one of our acquiring partners who specialize in high-risk businesses.
What is a high-risk merchant services account?
A high-risk merchant account is a type of business bank account used to receive payments from debit and credit cards if your business is deemed to be in a high-risk sector.
How much is a high-risk merchant account?
High-risk merchant accounts tend to cost more than standard accounts due to the extra threat of risk involved. Costs vary depending on your specific sector and risk profile.
How do I transfer money from my merchant account?
Once a customer makes a payment, funds are sent to the acquiring bank. Each payment is released within pre-agreed settlement days and transferred to your nominated business bank account.
Quick and Easy Integration
Set up your end-to-end solutions package via a single integration. Get started today and transform your payment processing.
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