A high rate of chargebacks and customer refunds
Large or irregular cash collection volumes
A higher than average level of fraud
An evolving legal framework (CBD, food supplements, etc.)
Payment by bank cards (CB, Visa, Mastercard, American Express) or via Apple Pay / Google Pay.
Management of recurring transactions and card subscriptions, with adapted rules.
Support for Euro, British Pound, US Dollar and Swiss Franc.
Real-time fraud detection and scoring modules, tailored to specific risk profiles.
Tools and processes for managing chargebacks and strict customer refund policies.
Pricing conditions are defined according to the business model, cash volume and risk level.
Structured flow management, including safety reserves and scheduled repayments.
Strict compliance with imposed regulatory obligations: PCI DSS Level 1, SCA, DSP2, GDPR…
Ready-to-use forms or provision of complete APIs depending on the desired level of integration.
Discover the activities not accepted or subject to conditions by CentralPay.
Online gaming or betting (with a license issued by the competent authority)
Sale of alcohol or tobacco (with legal authorization)
Streaming or subscription platforms (subject to anti-fraud conditions)
Subject to further analysis and the provision of valid regulatory documentation.
Illegal activities
Sale of drugs, illicit products or prohibited substances
Money laundering, terrorist financing
Prostitution
Illegal content and behavior
Diffusion de contenus à caractère pornographique ou extrême
Activities inciting hatred, racism, or glorifying terrorism
Dissemination of images contrary to public order
High-risk or non-cooperative networks
Sectarian organizations or ultra-radical movements
Networks operating in sanctioned or non-cooperative jurisdictions (e.g., unrecognized tax havens)
Products prohibited or regulated without authorization
Sale of medicines or pharmaceutical products without authorization
Selling alcohol, tobacco, or gambling without a license
Sale of weapons, explosives or hacking devices
Fraudulent or prohibited business practices
Identity theft, document fraud
Sale of counterfeit or unauthorized branded products
Phishing sites or spyware
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FAQ
High-risk activities present greater constraints in terms of fraud, litigation, and regulatory compliance. Payment providers must therefore apply stricter acceptance, control, and monitoring rules.
A specific offer allows the tools, financial conditions and security mechanisms to be adapted to these constraints.
High-risk payments are subject to stricter regulations and card network requirements, resulting in specific costs. CentralPay applies a tailored pricing structure based on several factors.
Variable fees on each card transaction:
These fees vary depending on the volume of payments received, the business model, and the options negotiated at the start of the contract.
Integration support fees : These depend on the technical complexity of the project and the level of configuration required.
Exceptional fees : These may apply in the event of customer disputes, chargebacks, or specific processing.
Opening a High Risk payment account is based on a comprehensive analysis of the payment collection project.
The process includes :
In accordance with regulations, documents and supporting evidence are required at each stage of the process.
The reserve fund involves setting aside a portion of the funds received for a defined period. It serves to cover potential chargebacks, reimbursements, or financial losses.
Depending on the risk profile, this amount can represent up to 20% of cash receipts.
Yes. In the event of excessive dispute rates or non-compliance with contractual conditions, CentralPay may apply corrective measures.
This may include :
Des contrôles réguliers sont effectués pour garantir la conformités de chaque marchand à haut risque.
