Risk level: High risk

Payment orchestration for other high-risk verticals

VPN, hosting, telecom, adult and the other verticals acquirers call high-risk share one problem: few acquirers take them, and each sets limits and reserves. Orchestration gives the merchant's PSP cards across several acquirers, Open Banking in the EU, and USDT and Bitcoin where cards are closed, cascades a decline, applies limits and the rolling reserve per merchant, and journals every payment for the acquirer and the regulator.

What goes wrong without orchestration

The merchant depends on one acquirer, and a termination or a lowered limit stops the business overnight.
The acquirer’s rolling reserve and monthly limit live in a spreadsheet, and the limit is discovered when payments start declining.
A chargeback or a compliance request needs the payment’s full history, and it is in a provider dashboard the merchant can no longer open.

What orchestration changes

Routing by BIN, country and amount across several acquirers and cascading of a decline to the next; Open Banking (EU, PIS) in Germany, France, Spain, Italy, the Netherlands and Poland without chargebacks; USDT and Bitcoin for deposits and payouts where card acquirers refuse the vertical; limits per merchant, terminal and day and a rolling reserve per merchant, applied by the software within the acquirer’s terms; every payment, refund, chargeback and callback journaled for five years with a trace. The merchant’s PSP enables the methods from the catalogue; the licensed acquirer settles the funds and decides what it takes.

Verticals and methods

VPN, proxy and hosting: cards with recurring charges by token; USDT and Bitcoin for customers who do not pay by card.
Telecom and VoIP: cards for top-ups with limits per account against card testing; Open Banking in the EU.
Adult: cards through the acquirers that take the vertical, with a rolling reserve; USDT and Bitcoin where they do not.

Typical methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available OP Open Banking (EU, PIS) Open Banking · 6 countries Available US USDT (Tether) Crypto · 7 countries Available BI Bitcoin Crypto · 6 countries Available

Frequently asked questions

Which verticals does this page cover?+

VPN and proxy services, hosting, telecom and VoIP, adult content, and the other verticals acquirers classify as high-risk. Which of them a PSP can take is its acquirers’ decision.

Who holds the licence?+

The merchant’s PSP or acquirer, Tranzify’s client. Tranzify supplies the software; it does not onboard merchants, hold funds or perform KYC.

Does orchestration get a high-risk merchant approved?+

No. Acquirers decide which verticals and merchants they take. Orchestration lets the merchant run on several at once, within their limits, with a journal for their questions.

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