High-Risk Merchant Accounts & Processing
Secure, accessible payment solutions and card processing for high-risk industries.
Pioneering Secure Payment Solutions for High-Risk Merchants
We specialize in providing cutting-edge payment solutions tailored specifically for high-risk merchants. We understand the unique challenges and complexities faced by businesses operating in high-risk industries and have developed innovative technologies and robust strategies to ensure secure transactions and reliable payment processing.
Our team of experts is dedicated to staying ahead of the curve in the ever-evolving payment processing landscape. By leveraging the latest advancements in encryption, fraud detection, and risk management techniques, we offer our clients peace of mind, knowing their transactions are protected against potential threats.
Making payments available for all
Spectre Payments is on a mission to create the most accessible financial services ecosystem in history. To do so, we are building the global operating system for fintech, starting with payments.
- Our Mission
Moving money is a fundamental human activity and critical to the health of our global economy. However, innovation from established financial services providers has failed to keep pace with the needs of innovative SaaS platforms and their users. Since our founding in 2015, Spectre Payments has been rewriting the financial services industry one API at a time to lower barriers to entry, drive competition, and make the financial system more equitable and accessible for people around the world.
- Our Beliefs
We believe every business should have access to the best and most innovative payment technology—and that they should earn the bulk of the economic benefit. To accelerate access to payments and fintech for the greater good, we need to remove the technical, compliance, regulatory, and global barriers to entry.
We pair online merchants with the most reputable acquiring banks in the market.
MERCHANT ACCOUNTS
Low to High-Risk Industries
We have been building close relationships with over twenty acquiring partners across the globe.
ALTERNATIVE PAYMENT METHODS
Increase Your Conversion Rate
ACH, virtual prepaid cards, Pix, SEPA, iDeal, GiroPay, AliPay, WeChat and many more.
CHARGEBACK MITIGATION & FRAUD PROTECTION
Optimize Your Customer Journey
Custom features and risk & fraud mitigation tools to decrease overall chargebacks.
PAYMENT COMPLIANCE
Card Schemes Rules & Regulations
Weekly updates and strategies to remain in full compliance.
PAYMENTS & RISK CONSULTATION
Improve Your Internal Payment Operations
Innovative ideas when it comes to a payment and risk internal structure.
PAYOUTS
International Business Partner Payout Solutions
To grow your business internationally through affiliates and other business partners.
Leading high-risk merchant services providers
- Integration with multiple acquiring banks
The acquirer-agnostic gateway allows the merchant to partner with any bank and to have multiple Merchant IDs (MIDs) within the same integration.
- Friendly Interface
Receive early warnings of any chargebacks raised with our chargeback defender tool so you can turn them into refunds and reduce costs.
- Extra security controls
Powerful and flexible card verification and security tools allow you to confirm details like security cards and customer addresses.
Why choose us?
Empowering High-Risk Merchants with Secure Payment Solutions
Our mission at Spectre Payments is to empower high-risk merchants by providing secure payment solutions that enable them to operate confidently in today’s dynamic marketplace. We understand the challenges and obstacles businesses face in high-risk industries and are committed to helping them navigate these challenges easily.
- Instantly onboard merchants
We handle the KYC process so your merchants can onboard quickly and start accepting payments.
- Do more with digital servicing
Merchants can manage onboarding, transactions, reporting, chargebacks, user access and more with our complete Merchant Center.
- Grow your payments with ease
Our Partner Center has powerful capabilities offering sophisticated reporting, analytics, support and customization.
What Our Clients Are Saying
Our experience with Spectre Payments has been nothing short of outstanding. Their platform offers seamless integration, robust security features, and lightning-fast transaction processing. With responsive customer support available round the clock, we have peace of mind knowing that our payments are in safe hands.
Niyi Yusuf
Spectre Payments has truly transformed the way we conduct transactions. Their intuitive interface, coupled with a wide range of payment options, has significantly improved our customer experience. The platform's advanced analytics also provide valuable insights into our sales performance, helping us make data-driven decisions.
GRACE WALLACE
We switched to Spectre Payments seeking a solution that could streamline our payment processes, and we were not disappointed. The platform's user-friendly dashboard makes managing transactions a breeze, while its robust fraud prevention measures give us peace of mind.
