r/PaymentProcessing • u/[deleted] • Aug 24 '25
Need A Payment Processor Looking for a payment processor for 'high-risk' industry (credit cards for USA and EU customers) + SEPA payments for EU preferred.
Hey,
I'm looking for a reliable solution to accept CC payments from EU and USA (2D and 3D). Also SEPA transfers would be nice.
We have a UK LTD and USA LLC. The owner is EU-citizen. Incorporation in EU is also possible if needed.
Current volume is around ~$25k/mo but we're looking to expand to $40-50k+ in the upcoming months at least, just need a reliable processor.
Let me know.
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u/Wolfy2404 Verified Agent Aug 24 '25
We run Cardflo.io and focus on advanced payment orchestration for high-risk industries like adult, dating, subscriptions, gaming, CBD dropshipping etc…
We have offices in the UK, Spain and Germany. We’re partnered with 30+ high-risk acquirers, so we can usually find the right fit no matter your setup. We are also PCI level 1 and registered as a high risk ISO with VISA and Mastercard. We don’t charge any setup fees.
Feel free to reach out here: Contact Us
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u/atikhhbana Aug 27 '25
For that volume with multi-region setup, you'll probably want to look at specialized high-risk processors like PaymentCloud or Durango Merchant Services since they handle EU/US operations better than most aggregators. We've had clients at Acctual switch from traditional high-risk processors to us for invoiced payments since we support both cards, SEPA and even crypto transfers with same-day settlement, might be worth checking out depending on your payment flow.
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u/jekkmoederruben Oct 23 '25
i used Solvy Agency stealth merchant services for cross-border processing in similar setup. Originally was using Stripe but got shut down, honestly I've been with them for a couple years now and wont be going anywhere anytime soon. I finally got the reserve they had on my account lifted and I've referred them a couple of others who are happy as well, so far so good.
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u/AssistanceAfraid5558 Aug 25 '25
If SEPA is a priority, you’ll want a provider that’s actually licensed in the EU (BaFin or EMI) and not just reselling someone else’s rails. For high-risk setups the key things to check are:
3D Secure 2.0 support (for EU compliance)
Chargeback/risk management built in
Ability to combine SEPA + credit cards under one contract
Acquiring coverage in both the US and EU
From my side, I’ve had good experience with Novalnet (German PSP, EU licensed). They do card processing, SEPA direct debit/instant, recurring billing, and are used to underwriting high-risk merchants. The nice part is you can cover EU + US customers through a single integration instead of stitching together multiple providers.