High-risk payment solutions for special industries

Accept payments and secure your income with a reliable payment partner.


Operating in sensitive industries, “High Risk” activities are regularly subject to fraud and unpaid problems. With our offer dedicated to special industries, we enable you to operate payments and ensure compliance with current European regulations.

Get your high risk merchant account validated by our compliance teams, and start accepting payments.

écran de téléphone montrant le formulaire de paiement par carte bancaire ou Apple Pay

Credit cards

Boost your conversion rate for credit card transactions

Easily collect payments from all credit cards: CB, Visa, MasterCard, American Express and more.
Offer payment facilities such as one-click, Apple Pay or Google Pay
Initiate recurring payments using our subscription, installment, or credit card imprint services.
Accept payments from all major currencies: Euros (EUR), Dollars (USD), Swiss Francs (CHF) or Pounds (GBP).


The little extras of the CentralPay offer

Increase acceptance rates

Our customers increase their acceptance rates by an average of 20% thanks to our high-risk payment services.

Transparent pricing

Our pricing is clear and fair. There are no monthly fees or commitments.


A major player in the industry for over 20 years, our services and data are hosted exclusively in France in our datacenter.


Our technical and commercial support is there to help you, not only during the integration of our solution, but also afterwards, should you need it.


Our system helps you analyze risks and suspicious transactions to avoid disputes and fraud (customizable 3D-Secure, scoring, blacklisting, etc.).

Performance and technological agility

Our technological infrastructure is robust and based on open source standards. R&D and maintenance are operated entirely in-house.

Flexibility and customization

Our solution integrates seamlessly with your information system to manage complex business scenarios.

Real-time reporting

Our API allows you to visualize your operations and warns you of any unusual events (webhook), so you can respond quickly to urgent situations.

paiement high risk : femme en terrasse qui tchatte sur son téléphone
tarification PSP : formulaire de paiement par carte bancaire


Industries not accepted or subject to conditions

Dating websites
Online entertainment and charm
Spirituality and divination
Software downloads
Online gaming (excluding betting)
Sale of prohibited products and services / not complying with legislation
Sale of pharmaceuticals and related products
Sale of any goods or dissemination of any image contrary to public order
Weapons sales
Sale of drugs or any illicit product, including cannabis derivatives (e.g. cannabidiol)
Sale of nutritional products / food supplements
Websites promoting terrorism or racism
Unlicensed sale of alcohol
Sale of tobacco
E-cigarette sales
Sale of pirating devices / spyware
Investments, assets
Massage parlors
Debt collection agencies
Sale of counterfeit products
Extremist / ultra-radical / dissident / sectarian movements
Escort services
File-sharing websites
Buying currencies
Money transfer (sending money to people in high-risk countries)
Guarantees / deposits

Pricing tailored to your business

At CentralPay, we are well aware of the challenges faced by merchants in special sectors considered “High Risk”.
Our aim is to provide you with a simple online payment process, secure your revenues over the long term and help you grow your business with peace of mind.

High risk

Special Industries Offer

Benefit from an offer tailored to your industry, your business model and your transaction volumes.


2% per transaction

Easily accept payments from all credit cards
Developers, benefit from phone support for integration
Limited reserve of 5 to 10% held for a period of 90 to 180 days.
schéma du formulaire avec les 4 moyens et 3 canaux de paiement CentralPay

Smart Collection

A hosted payment page to optimize your online checkout and automate your debt collection process, without any technical effort.

To optimize the customer's payment experience.

Customer journey

High-risk, integrated credit card payment flows made easy

Develop your own payment form and control the debiting of your customers' cards from the CentralPay API, or use the Smart Collection module to benefit from a hosted payment page that can be integrated without any technical effort.

Frequently asked questions

Learn all about CentralPay high risk merchant accounts

Several measures have been taken to protect high-risk credit card transactions:

  • Payment Service Provider (PSP) accreditation, PCI-DSS certification and accreditation by the main credit card networks (Visa, Mastercard, Cartes Bancaires and American Express) guarantee the security of all online payments.
  • 3DSecure 2.0 protocol, which systematically sends a strong authentication, to check the cardholder's identity and limit card disputes.
  • Tokenised credit card processing for secure storage of cards and associated customer data

High-risk payments naturally involve greater risk, and are subject to stricter legal supervision. CentralPay keeps a close eye on the running and use of these high risk merchant accounts, and regularly transmits their information to the regulator.

For this purpose, CentralPay has established a specific pricing, which includes :

  • Variable fees, deducted from the amount of each card transaction:
    • Interchange fees, billed by the cardholder's bank which executes the transaction.
    • Card Scheme Fees, charged by bank card networks (CB, Visa, Mastercard).
    • Service fees, invoiced by CentralPay to operate the platform and associated services. These fees vary according to the volume of sales and the options negotiated at the beginning of the contract.
  • Fixed fees, deducted at the beginning of the project :
    • Set-up costs, which vary according to the technical complexity and level of configuration required by merchants.
  • Extra fees:
    • Additional fees charged on an exceptional basis in case of card dispute by the customer, for example.

High Risk CentralPay service offers several advantages:

  • Secure, frictionless card payment services for you and your customers
  • Customized pricing, adapted to your business industry and your collection project
  • Personalized support from teams with expertise and experience in this specific field

The opening of a high risk payment account requires a double validation by CentralPay teams:

  1. Project qualification with our sales team (collection volumes, business model, desired solution, etc.)
  2. Risk assessment by our compliance unit (country of domicile, business sector, customer dispute rate, etc.)
  3. Project acceptance or rejection

For verification purposes, and in accordance with current regulations, you will be asked to provide supporting documents at each stage of the process.