Use case / High-risk merchants

Crypto payment gateway for high-risk merchants.

No chargebacks. No rolling reserves. No MATCH-list exposure. CPAY is a flat 0.5% crypto payment gateway for high-risk merchants — global by default, with on-chain settlement and compliance built in.

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Flat 0.5% fee Zero chargebacks No rolling reserves Global coverage

Settlement · OrderFinal

Customer pays1,200.00 USDT

Chargeback risk0.00%

CPAY fee0.5%

Settled to merchantOn-chain, final 1,194.00 ₮

No rolling reserve

01 / 06The challenge

Why card processors
punish high-risk merchants.

Stripe, Square, Adyen and the banks all use the same playbook. The merchant always pays for it.

cpay / high-risk

Pain 01

5–10% fees, reserves, sudden terminations

Card processors either refuse the application or quote 5–10% with a 10–20% rolling reserve held for six months. Accounts can be closed without warning and funds frozen for 90–180 days.

Pain 02

Chargebacks above 1% trigger the MATCH list

One bad month and Visa VAMP, Mastercard MATCH or Excessive Chargeback Programs flag the business. The downstream effect: blacklisted across the card network for years, no acquirer will touch you.

Pain 03

Geography and currency caps strangle growth

Processors refuse traffic from regions where your demand is real. Currency limits force conversions, and every new market means another acquirer, another underwriter, another contract.

02 / 06The solution

How CPAY works
for high-risk verticals.

Crypto rails do not run on Visa or Mastercard. That changes the economics for every business they classify as high-risk.

cpay / solution

Solves pain 01

Flat 0.5%. No reserves. No freezes.

One fee, same for every vertical, every volume tier. Settlement is on-chain into your wallet — there is no processor holding your funds and no underwriter who can shut you down overnight.

Solves pain 02

No chargebacks. No MATCH list.

Crypto transactions are final once confirmed on-chain. There is no dispute mechanism a fraudster can abuse, no VAMP threshold to monitor and no card-network blacklist to fear.

Solves pain 03

Global by default. One integration.

Same fee whether the customer pays from São Paulo, Lagos or Berlin. 100+ assets across all major chains, one API — no acquirer-by-acquirer expansion plan.

03 / 06What's included

Everything a high-risk
merchant needs to settle.

The full CPAY toolkit — the same rails that take a payment also handle refunds, payouts and reporting.

cpay / product

Crypto checkout

Accept payments in 100+ assets across all major chains, hosted or embedded.

On-chain settlement

Funds settle directly into your wallet — no processor holding your balance.

Merchant-controlled refunds

Issue refunds on your terms through the dashboard or API. No forced reversals.

Non-custodial wallets

Each merchant or brand keeps its own wallet — you stay in control of funds.

KYC & AML

Configurable identity verification and transaction screening built into the flow.

API, plugins & dashboard

Integrate fast and watch every payment, refund and settlement in real time.

04 / 06How it works

Live in days,
not underwriting cycles.

From integration to first settled payment — four steps.

cpay / setup

Step 01

Apply & integrate

Complete KYB and connect CPAY through the API, an SDK or a ready-made plugin.

Step 02

Customers pay

Buyers pay in stablecoins or major coins; transactions confirm in seconds.

Step 03

Settle on-chain

CPAY handles processing and screening; funds settle directly into your wallet.

Step 04

Refund or payout

Issue refunds on your terms or move funds out — no rolling reserve to wait on.

05 / 06About CPAY

The infrastructure
behind the checkout.

Who you're integrating with — and why high-risk merchants trust CPAY with their payment flow.

cpay / company

B2B crypto payment infrastructure

Crypto payment infrastructure, trusted by high-velocity businesses.

CPAY is a B2B crypto payment and wallet infrastructure provider. We help forex brokers, iGaming operators, subscription businesses and high-risk merchants accept, hold and move crypto — non-custodial, multi-chain, with compliance built in. The same rails that take a payment also handle refunds, payouts, embedded wallets and fully white-label products.

50+

B2B clients live on CPAY

100K+

End users served

4M+

Transactions processed

0.5%

Flat fee per transaction

06 / 06FAQ

High-risk crypto payments,
answered.

The questions high-risk merchants ask most before integrating CPAY.

cpay / faq

What is a high-risk merchant?+

High-risk merchant is a payment-industry classification for businesses that card processors consider likely to generate chargebacks, regulatory issues or reputational risk. Common verticals include nutraceuticals, CBD, adult content, debt collection, MLM, dating, travel, online education, crypto services and subscription billing. The label is set by the processor, not the law — these are legal businesses that card networks price or refuse based on internal risk models.

Why do crypto payment gateways work for high-risk verticals when card processors don't?+

Crypto settlement does not run over the Visa or Mastercard networks, so it is not subject to MCC code restrictions, chargeback rules, VAMP monitoring or the MATCH list. Transactions confirm on-chain and are final once settled. That removes the two things card processors price high-risk merchants for — chargeback exposure and forced refunds — so CPAY can charge a flat 0.5% regardless of vertical.

What verticals does CPAY accept?+

CPAY serves legal high-risk verticals including nutraceuticals and supplements, CBD in legal jurisdictions, subscription billing, adult content, MLM, debt collection, travel, dating, online education, crypto-adjacent services and trading platforms. We do not serve businesses that are illegal in the merchant's operating jurisdiction. Onboarding includes KYB and a vertical-specific compliance review.

How are refunds handled if there are no chargebacks?+

Refunds are sent as outbound on-chain transfers from your wallet to the customer's wallet — initiated by you, on your terms. There is no third party reversing a transaction without your consent. The CPAY dashboard logs every refund and the API supports automated refund flows for subscription cancellations and returns.

What KYC and AML requirements apply to high-risk merchants on CPAY?+

Merchants complete KYB during onboarding. Customer-facing KYC and AML transaction screening are configurable: you choose what to require based on your licence, jurisdiction and risk appetite. CPAY supports identity verification, sanctions screening, PEP checks and on-chain transaction monitoring through the same flow that processes payments.

How fast can I integrate and start accepting payments?+

Most merchants are live in days, not quarters. Integration uses a REST API, SDKs or ready-made plugins for common platforms. Onboarding, KYB and a first test transaction can typically be completed within a week — significantly faster than the multi-week underwriting cycle of a high-risk card processor. See the pricing page for full commercial detail.

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