High-Risk Payment Gateway for Regulated Industries
MAGNETPAY is a high risk payment gateway built from the ground up for merchants that traditional processors reject. Accept payments globally with advanced fraud detection, intelligent multi-provider routing, and proactive chargeback prevention — without the fear of sudden account freezes or held funds.
Why High-Risk companies choose MagnetPay
Multi-Provider Smart Routing
Every transaction is routed through the optimal acquirer based on industry vertical, card BIN, customer geography, currency, and real-time provider health. If one provider declines, the transaction automatically cascades to the next best option — all invisible to your customer. This multi-acquirer approach improves approval rates by 15-25% compared to single-provider setups.
Chargeback Prevention Suite
A multi-layered defense system that catches disputes at every stage. Pre-transaction: 3D Secure 2, velocity checks, device fingerprinting, and behavioral analysis. Post-transaction: real-time monitoring and alert network integration with Ethoca and Verifi. Dispute: automated representment with evidence compilation. Most merchants see chargeback ratios drop 40-60% after onboarding.
Real-Time Fraud Scoring
Every transaction receives a risk score from our ML-powered fraud engine before processing. The model evaluates hundreds of signals including device fingerprint, IP geolocation, transaction velocity, card history, and behavioral patterns. You set the threshold — block, flag for review, or allow. Custom rules let you fine-tune for your specific industry patterns.
3D Secure 2 Authentication
Frictionless strong customer authentication that shifts chargeback liability to the card issuer. Our 3DS2 implementation uses risk-based authentication to minimize friction — low-risk transactions pass through silently while high-risk ones trigger a step-up challenge. This dramatically reduces friendly fraud chargebacks while maintaining conversion rates.
Velocity Checks & Controls
Configurable velocity rules that detect and block rapid-fire transactions, card testing attacks, and bot-driven fraud. Set limits by card, IP, device, email, or customer ID across any time window. Velocity violations trigger configurable actions: block, flag, throttle, or require additional verification. Critical for industries targeted by organized fraud rings.
Global Coverage, Local Processing
Accept payments in 30+ currencies through local acquiring in 40+ countries. Local processing improves approval rates because transactions processed domestically have 10-20% higher success rates than cross-border transactions. For high risk merchants, this is the difference between a viable and an unsustainable business.
No Sudden Account Freezes
We underwrite you knowing your industry. No surprise holds, no frozen funds, no 3 AM panic emails. Proactive risk management replaces reactive account termination.
Transparent Pricing
Clear fee structures with no hidden charges, no early termination fees, and no surprise rate increases. You know exactly what you pay for every transaction.
Dedicated Support Team
Every high risk merchant gets a dedicated account manager who understands your industry. Direct access via Slack, email, or phone — not a ticket queue.
Frequently asked questions
Ready to Accept High Risk Payments?
Apply for your high risk merchant account today. Most applications are approved within 2-5 business days.