Payment processing made easy
Get fast approvals, stable processing, and global coverage for industries traditional banks refuse.
You pay nothing unless approved
Why Ireowo?
Tailored for High-Risk Industries
Secure. Scalable. Specialized for high‑risk businesses.
We understand the needs of merchants in high-risk sectors such as CBD, adult, and gaming.
Advanced Fraud & Chargeback Prevention
Stay protected with real-time analytics, 3D Secure, and proactive chargeback management.
Global Reach & Flexibility
Accept payments in over 150 currencies and offer multiple payment methods worldwide
Fast Approval & Transparent Pricing
Benefit from quick onboarding and fair easy-to-understand pricing
High Risk Card Processing
Our mission is to empower high-risk merchants with seamless, secure and globally scalable payment solutions- so you can focus on growth, not limitations.
Solving Complexity, Enabling Expansion
We eliminate barriers to help your business grow globally.
Customer-First, Ever-Evolving
We balance innovation with personalized support.
Trusted Transactions, Everywhere
We ensure reliable payments across all markets
Adult
From streaming platforms to live services, we ensure secure transactions and discretion for businesses in the adult industry.
CBD & Nutraceuticals
Our payment solutions support CBD, wellness, and supplement businesses often restricted by traditional providers.
Dating & Membership Sites
Recurring billing and subscription management designed for dating apps, platforms, and membership communities.
Gaming, Gambling & Betting
Reliable and compliant processing for online gaming, e-sports, casinos, and betting platforms.
Travel & Hospitality
Tailored merchant accounts for travel agencies, booking sites, ticketing platforms, and hotels.
Bars, Clubs & Nightlife
Secure transactions for nightlife venues, events, and clubs often classified as high-risk by banks.
E-Commerce & Digital Goods
Flexible payment options for online shops, SaaS, software, digital downloads, and subscription models.
Crypto, Forex & Fintech
Global gateway services for digital currencies, forex trading, and emerging fintech solutions.
Vape & E-Cigarette Stores
Seamless payment acceptance for vape, snus, and alternative tobacco businesses.
High-Risk Merchant Accounts
Global Payment Gateway
Risk & Revenue Management
Tailored Solutions
High risk payment Processing Prices
Find the right Payment Processing plan
Have questions about our fees? Here are the most common answers related to pricing, settlements, and chargebacks.
What is IC++ and why do we use it for high-risk merchants?
IC++ is the most transparent model: you pay the actual Visa/Mastercard interchange plus a fixed markup. No hidden fees, no inflated rates.
What happens if my application is not approved?
You pay nothing. Setup and monthly fees only apply once your account is approved.
How long are settlement times?
Depending on the acquirer and industry, we offer settlement between T+3 and T+7 business days. We always look for the most stable scheme for your business.
How are chargebacks handled?
You’ll have access to a dispute portal with early alerts (Ethoca/Verifi when available) and support to minimize losses.
You don't know the right plan for you?
Accelerate business growth with IREOWO as your ally. Accept Payments for High Risk Industries without limitations.
You are not sure if your company can apply for a High risk merchant account with Ireowo?
Empowering your business with Ireowo
What do the customers say about us?
Step by Step guide to get approved for high risk payment processing
What is the process to get approved?
If you want to start processing payments for High Risk Industries just sign up and follow the steps
You pay nothing unless approved
Step 1
Pre-application and Pre-check
Once you signup a small form will ask you very basic data about your company, your project and you. With that data we will run a pre-check and see if we can help you getting approved.
You will receive a reply within 24 hours.
Step 2
Pricing, Terms and Conditions.
We will send you an agreement that includes all the fees that you will need to pay in order to process payments with us.
Once the agreement is signed by both parties, we proceed.
Step 3
Full Application and Compliance
We will give you a large form, and you need to fill it with all the data needed for the application to proceed. This form will also ask you for the documents needed for the application to be considered.
Once this form is submitted we will run the KYC and KYB protocols with the data, if everything is ok we can proceed.
Step 4
Risk Check and Approval
We will check your website or project in order to evaluate if it complies with all the legal requirements. After that we will send you an acquiring agreement.
Once signed, we will give you your credentials and the APIs so you can integrate and start processing.
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Frequently Asked Questions (FAQ)
High-risk businesses face unique requirements. Here are the most common questions about eligibility, approvals, security, and support at Ireowo.
Why is my company high risk?
Before 2020 basically being high risk meant be prompt to chargebacks, but nowadays any website without storefront, selling products crossborders is considered a high risk merchant.
Which industries do you support?
We work with most high-risk verticals: Adult, CBD, nutraceuticals, gaming, betting, forex, trading, travel, subscriptions, and more.
What are the requirements to apply for payment processing?
Basically we need your company details, the director’s and shareholder’s KYC documents, the company’s bank details and proof of the website ownership, but for certain industries there are specific requirements. For example: Gambling, Crypto and Forex require licenses and legal opinion letters.
Do you have an API for the payment gateway integration?
Yes we do, and we will provide it once you are approved.
Do you support shopping carts or shopify?
Yes. All major shopping carts and Shopify are covered for all our solutions.
How long does approval take?
Typically 3–7 business days, depending on your industry, the assigned acquirer, and how quickly you provide documentation.
Do I need a registered company to apply?
Yes. You must have a legal entity or a Sole trader registration, a corporate bank account, and valid KYC/KYB documentation.
Are the prices negotiable?
Some fees are negotiable. Monthly fee and Setup fee are not negotiable.
Do you work with merchants worldwide?
We support companies registered in the following areas: EU, UK, Switzerland, Norway, USA and Canada.
What security systems do you use?
We operate under PCI DSS, with 3D Secure 2.0, real-time fraud monitoring, and strict AML/KYC policies.
What support will I receive?
Each merchant gets a dedicated account manager, available via email and chat for onboarding, optimization, and ongoing support.
