Payment Solutions for High-Risk & Offshore Businesses
Manis matches high-risk and offshore businesses only with PSPs whose risk appetite accepts their category and geography — reducing declines, freezes, and terminations.
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Why high-risk merchants struggle to get paid
High-risk and offshore businesses are routinely declined or off-boarded by mainstream acquirers. The core problem is not capability but risk appetite: a PSP may technically support card payments yet refuse a merchant category, a jurisdiction, or a chargeback profile. The result is frozen funds, sudden terminations, rolling reserves, and lost revenue while you search for a replacement.
How Manis matches high-risk merchants to the right PSP
Manis matches on the fit between your risk profile — industry, jurisdiction, monthly volume, chargeback history — and each provider's stated risk appetite. You are shortlisted only with PSPs, MSBs, and MTOs that actually accept your category and geography. Manis then ranks by historical approval rate, regional acquiring strength, and rate competitiveness, and runs AI-powered compliance pre-screening (DD verification) before you share data with any provider.
Beyond a single provider
Once connected, Manis orchestrates routing across multiple high-risk-tolerant providers for failover — so a single freeze does not stop your revenue.
Categories Manis supports
Gambling & betting
Licensing and jurisdiction restrictions, elevated chargebacks
iGaming & online casinos
Heavy regulatory scrutiny and payment-method limits
Online gaming & in-game purchases
Virtual-goods refunds and friendly-fraud exposure
Forex & CFD brokers
Restricted MCCs, frequent terminations, rolling reserves
Crypto & virtual assets (VASP)
Heavy AML / KYC obligations
Adult entertainment
Brand-risk-driven acquirer refusals
Nutraceuticals & supplements
Subscription and refund-dispute risk
Offshore-incorporated companies
Harder underwriting and beneficial-ownership scrutiny
Frequently asked questions
Can Manis get a high-risk business a merchant account?
Manis does not issue merchant accounts and is not a processor. It matches your risk profile to PSPs whose risk appetite accepts your category, then pre-screens compliance fit to improve approval odds.
Why do high-risk merchant accounts keep getting frozen or closed?
Most freezes come from a mismatch between the merchant's risk profile and the acquirer's risk appetite — category, jurisdiction, or chargeback ratio. Manis screens for that fit up front.
Does Manis work with offshore companies?
Yes. Offshore-incorporated companies are a supported category; Manis filters for providers that underwrite offshore structures.
Find your best-fit PSP in 60 seconds
Describe your business and Manis returns a risk-matched shortlist — free to start, no credit card.
Describe your business → get a high-risk-fit PSP shortlist in 60 seconds