Tokenization
The real card number is replaced with a token stored securely in our environment, so you can charge a returning customer or run a subscription without ever holding card data.
Product
High-Risk Payment Gateway
Our gateway securely connects your checkout to high-risk-ready processing, tokenization, hosted payment pages, recurring billing, webhooks, and AI fraud screening on every transaction, wired to a high-risk merchant account and tuned for the verticals mainstream gateways decline.
- Tokenization & hosted checkout
- AI screening on every transaction
- High-risk-ready account
Answer first
The gateway is the easy part, the account behind it isn’t
A payment gateway is just the secure pipe between your checkout and the processor: it takes the card details, encrypts them, and passes them off for authorization. As technology, a high-risk gateway isn’t exotic, it tokenizes cards, hosts payment pages, fires webhooks, and runs recurring schedules like any modern gateway does. The reason high-risk businesses can’t simply use a mainstream gateway isn’t the software; it’s that those gateways are bolted to low-risk merchant accounts that won’t board your category, or will board it and then freeze it.
Ours is connected to a high-risk merchant account from the start. That means the gateway supports the MCCs that classify high-risk verticals, screens every transaction for the fraud those verticals attract, and is managed alongside the chargeback defense that keeps high-risk accounts under the card-brand thresholds. You get modern gateway tooling without having to misrepresent your business to qualify for it.
What it does
Modern gateway tooling, high-risk underwriting
Hosted checkout & PCI scope
Hosted payment pages keep sensitive data inside our PCI DSS-aligned environment, for many merchants a hosted checkout drops PCI to the simplest level of self-assessment.
Recurring billing built in
Stored tokens feed our recurring engine: scheduled billing, retries on failed payments, and an account updater so an expired card doesn’t quietly cancel a subscriber.
Fraud screening on every transaction
AVS and CVV checks, velocity and device signals, and the behavioral patterns that flag stolen cards and card-testing, scored before the payment posts.
Tokenization & hosted checkout
Sensitive card data never touches your servers
The gateway tokenizes cards and hosts the payment page, so the data stays inside our PCI DSS-aligned environment, a convenience for returning customers and subscriptions, and a compliance win that pulls most of the PCI burden off you.
- Tokens charge returning customers and run subscriptions
- Hosted pages cut PCI to the simplest self-assessment for many merchants
- Connected to a high-risk-ready account from the start
Managed alongside the account
Wired to the chargeback defense that keeps high-risk stable
Every transaction the gateway passes is scored for fraud before it posts, and the disputes that get through are handled by the same representment and threshold monitoring that runs across our accounts, the cheapest line of defense is stopping the fraudulent transaction before it settles.
- AI fraud screening at the gateway layer
- Dispute representment on the same account
- Threshold monitoring keeps you under card-brand limits
How it works
Go live without rebuilding checkout
Integration is meant to be the simple part. Drop in a hosted payment page or pre-built checkout, connect through one of our integrations for WooCommerce, Shopify, and similar carts, or build directly against the payment gateway API if you want full control over tokenization, webhooks, and custom flows.
All three paths connect to a high-risk-ready account, so launching doesn’t mean a checkout rebuild. We publish our rate ranges by vertical and set your final rate in underwriting, the table is on the pricing page. If you need a gateway actually connected to an account that will board your business, get approved.
FAQ
Payment gateway FAQ
What is a high-risk payment gateway?
A payment gateway is the software that securely passes a customer's card details from your checkout to the processor for authorization. A high-risk payment gateway does the same job, but it's connected to a high-risk merchant account and tuned for the fraud and chargeback profile of high-risk verticals, with screening on every transaction and support for the MCCs and billing models that get businesses declined elsewhere. The technology is similar to any gateway; the difference is the underwriting and risk controls behind it.
Does the gateway support recurring billing?
Yes. The gateway tokenizes cards so you can bill on a schedule without storing card data yourself, and it pairs with our recurring billing engine for subscriptions, retries on failed payments, and an account updater that keeps stored cards current. That combination is what protects subscription revenue, the gateway holds the token securely, the billing engine runs the schedule, and dunning recovers the payments that would otherwise lapse.
Is the gateway PCI compliant?
Yes. The gateway runs on PCI DSS-aligned infrastructure with tokenization and hosted payment pages, which means sensitive card data is captured and stored in our secure environment rather than touching your servers. That shrinks your own PCI scope substantially, for many merchants a hosted checkout reduces the burden to the simplest self-assessment level. We cover the high-risk specifics on our PCI compliance resource.
How do I integrate the gateway?
Most merchants go live without a heavy build: drop in a hosted payment page or pre-built checkout, or connect through one of our platform integrations for WooCommerce, Shopify, and similar carts. Developers who want full control use the API directly for tokenization, webhooks, and custom flows. Either way the gateway connects to a high-risk-ready account, so going live doesn't mean rebuilding your checkout or pretending to be a low-risk business to qualify.
Related
Keep exploring
A gateway connected to an account that will board you.
Modern gateway tooling, tokenization, hosted checkout, recurring billing, AI fraud screening, wired to a high-risk merchant account from the start.