Your High Risk payment offer
at the best price

Aware of the challenges faced by high-risk businesses, we enable merchants to accept online payments simply, while securing their revenues over the long term.

290

€

per month

Card (Europe): starting at 3,90 % + 0,35 €
Card (international): starting at 5,40 % + 0,35 €
SEPA bank transfer: 3 % + 0,35 €
SEPA direct debit: 3 % + 0,35 €

990

€

per month

Card (Europe): starting at 2,60 % + 0,35 €
Card (international): starting at 4,10 % + 0,35 €
SEPA bank transfer: 2 % + 0,35 €
SEPA direct debit: 2 % + 0,35 €

2 990

€

per month

Card (Europe): On demand
Card (international): On demand
SEPA bank transfer: On demand
SEPA direct debit: On demand

Increase

your conversion rate

Comply

with European regulations

Limit

disputes and fraud

Boost your acceptance rate
for high-risk payments

Manage your unitary and recurring transactions, using high-performance payment methods.

Credit card

Accept credit card payments (CB, Visa, Mastercard and American Express) or via Apple Pay and Google Pay. Take advantage of various recurring payment methods (subscription or installment).

Instant bank transfer

Offer a high-performance alternative to card-based online courses: less expensive, fewer disputes and no cap issues. A fast, automated solution to boost your conversions.

Blacklist

Discover the activities
not accepted or subject to conditions

Dating websites
Online entertainment and charm
Spirituality and divination

Software downloads
Online gaming (excluding betting)

Sale of prohibited products and services / not complying with legislation
Sale of pharmaceuticals and related products
Sale of any goods or dissemination of any image contrary to public order
Weapons sales
Sale of drugs or any illicit product, including cannabis derivatives (e.g. cannabidiol)
Sale of nutritional products / food supplements
Sites promoting terrorism or racism
Unlicensed sale of alcohol
Sale of tobacco
E-cigarette sales
Sale of pirating devices / spyware

Investments, assets
Massage parlors
Debt collection agencies
Sale of counterfeit products
Extremist / ultra-radical / dissident / sectarian movements
Escort services
File-sharing websites
Buying currencies
Money transfer (sending money to people in high-risk countries)
Guarantees / deposits

Your High Risk payment paths
integrated with ease

Your sales tunnel is unique. That’s why we give you the freedom to choose the integration mode best suited to your platform.

Without development

Integrate the Smart Form hosted payment page, without any technical effort, allowing you to use our solutions quickly.

Discover the collection solution

API integration

Create your own custom payment form and automate your flows via the CentralPay API, with real-time notifications.

Read the documentation

Need more information?

Our answers to all your questions

Find out all about CentralPay’s High Risk payment offer

Several measures have been taken to protect high-risk credit card transactions:

Payment Service Provider (PSP) accreditation, PCI-DSS certification and accreditation by the main credit card networks (Visa, Mastercard, Cartes Bancaires and American Express) guarantee the security of all online payments.
3DSecure 2.0 protocol, which systematically sends a strong authentication, to check the cardholder's identity and limit card disputes.
Tokenised credit card processing for secure storage of cards and associated customer data

High-risk payments naturally involve greater risk, and are subject to stricter legal supervision. CentralPay keeps a close eye on the running and use of these high risk merchant accounts, and regularly transmits their information to the regulator.

For this purpose, CentralPay has established a specific pricing, which includes :

Fixed fees :

Monthly package including access to the platform (API and backoffices), technical and sales support and assistance from an Account Manager
Integration support costs, which vary according to the technical complexity and level of configuration required by merchants.

Variable fees, deducted from the amount of each card transaction:

Interchange fees, billed by the cardholder's bank which carries out the transaction.
Card Scheme Fees, charged by bank card networks (CB, Visa, Mastercard).
Service fees, invoiced by CentralPay to operate the platform and associated services. These fees vary according to the volume of sales and the options negotiated at the beginning of the contract.

Extra fees : additional charges deducted on an exceptional basis in the event of a card dispute by the customer, for example.

CentralPay accepts all major currencies: Euros (EUR), Dollars (USD), Swiss Francs (CHF) and Pounds (GBP).

The opening of a high-risk payment account requires a series of checks by the CentralPay teams:

Project qualification with our sales team (collection volumes, business model, desired solution, etc.)
Risk assessment by our compliance unit (country of domicile, business sector, customer dispute rate, etc.)
Project acceptance or rejection

For verification purposes, and in accordance with current regulations, you will be asked to provide supporting documents at each stage of the process.

Your High Risk payment offer
at the best price

Starter
company

Medium
company

Major
company