High-risk industries face higher decline rates, strict documentation requirements and higher processing costs. With the right acquirer and smart routing, card processing becomes stable and cost-effective.
The same players — issuing bank, card network, acquiring bank — but with extra layers of monitoring, control and financial guarantees.
Many issuing banks block sensitive MCCs (gambling, forex, adult), reducing the payment approval rate.
More rigorous underwriting, periodic account reviews and intensive monitoring of the chargeback rate.
Higher fees and a rolling reserve withheld as a financial guarantee put pressure on cash flow.
Connection to acquiring banks with policies and MCCs pre-approved for your specific industry.
We help you with documentation and an optimization strategy, starting from an analysis of your current processing history.
Every cost component is disclosed separately, and the rolling reserve is a temporary guarantee, not a permanent cost.
Dedicated payment flows, suitable acquirers and chargeback management for the verticals banks consider high-risk.
Processing for online gambling operators, with optimized routing and compliance for the 79xx MCCs.
Payment solutions for brokers and trading platforms, with chargeback management and compliance requirements.
Accepting payments for exchanges and crypto services, with stable routing and anti-fraud checks.
Discreet, stable processing for adult content platforms, with clear statement descriptors.
Compliant solutions for CBD merchants, with pre-approved documentation and product types.
Managing pre-authorizations, remote bookings and chargebacks specific to the travel sector.
Correct account structuring to keep processing stable over the long term in the dropshipping model.
Compliant card payment acceptance for the sale of peptides and online pharmacies or food supplements.
⚠ To confirm: the availability of each category depends on the merchant and the applicable legislation. Check with the RONPay team which industries can actually be onboarded.
A 5–10% difference in the approval rate can have a significant impact on revenue. Here are the factors we optimize.
Acquirers with Merchant Category Codes pre-approved for your industry, to avoid being blocked by issuers.
Reduces declines based on fraud suspicion and shifts chargeback liability to the issuing bank for authenticated transactions.
Directing the transaction to the acquirer most likely to approve it, based on the card BIN, the issuer's country and history.
For declined transactions, retrying with adjusted parameters (a different acquirer, a different time) recovers part of the lost sales.
Processing in the cardholder's currency improves approval by removing the conversion costs charged by the issuer.
Identifying high-risk cards and applying risk filters before authorization.
High chargeback rates lead to penalties and, ultimately, to losing your processing contract. Prevention is essential.
A recognizable descriptor reduces "I don't recognize the charge" disputes, the most common cause of chargebacks.
Early chargeback alert systems, to intervene before the dispute is filed.
Authenticating transactions shifts liability to the issuer and reduces authorized fraud.
Representment with complete documentation and fast refund processing to limit losses.
Network thresholds: Visa monitors from a 1% chargeback rate (above ~100 chargebacks/month), and Mastercard from 1.5% (the MATCH program). Indicative values — network standard.
Unlike "blended" pricing (a single rate for all cards), the IC++ model discloses each component separately.
The fee set by the card networks and paid to the issuing bank. It varies by card type (debit, credit, premium) and geographic region.
The additional card network fees (Visa / Mastercard), billed transparently, with no opaque markup.
The fee added by the processor — the only negotiable component. RONPay applies IC++ margins starting from 0.35%.
Rolling reserve: a temporary hold of 5–15%, usually released after 90–180 days — a guarantee, not a permanent cost. Indicative figures, to be confirmed for your account.
Optimized approval rates, transparent IC++ pricing and chargeback management for your industry. We analyze your processing history and propose an optimization strategy.
Write to us at info@ronpay.ro →