Secure High-Risk Payment Gateway & Merchant Accounts

Our underwriting team has deep experience with high-risk verticals. We evaluate applications based on your actual business model — not a blanket risk category — which means higher approval rates and fairer rolling reserve policies than general-purpose processors.

Getting frozen or terminated mid-operation is catastrophic. DozyPay works with acquiring partners who are committed to high-risk verticals long-term, providing account stability that payment aggregators like Stripe or Square simply cannot guarantee for your business category.

Chargebacks are the number-one threat to high-risk merchant accounts. Our gateway includes real-time chargeback alerts, dispute management tools, and optional chargeback protection insurance so you can respond before a chargeback becomes a termination.

Maintaining PCI compliance is complex and time-consuming. DozyPay is PCI DSS Level 1 certified — the highest level — which means your transactions are processed within a fully compliant environment. You get a compliance letter you can show to banks and card schemes without any additional work on your end.

Accept payments in 50+ currencies and settle in your preferred currency with competitive exchange rates. Our network of international acquiring banks means we can place almost any genuine business — regardless of country of incorporation or business category.