High-Risk Payment Processor

The high-risk payment processor built for your vertical.

MMG Corporation is an EU-licensed high-risk payment processor — purpose-built for the merchant categories mainstream banks decline. Find your MCC below and we'll tell you what we can process and on what terms.

One integration, every way to pay
Visa Mastercard Apple Pay Google Pay PayPal Bank transfer Local schemes Crypto
Czech National Bank licensed PI PCI-DSS certified gateway Multi-acquiring & smart routing High-risk underwritten on purpose
Find your MCC

Every four-digit code has a story. We've heard yours.

Search your merchant category code or filter by vertical. These are the high-risk MCCs we process most — click any card to send that code directly to our sales team.

MCC classification is set during underwriting by the acquirer and card schemes, and can vary by region and business model. Treat this as guidance — tell us your category and we'll confirm exactly what we can process. Don't see your code? Reach out anyway.
What to look for

What makes a good high-risk payment processor

Not every processor that claims to handle high-risk actually underwrites it properly. These are the three things that separate a reliable high-risk processor from one that drops you at the first sign of trouble.

Proper licensing

A high-risk payment processor should be supervised by a named financial regulator — not just a gateway reseller. MMG is supervised by the Czech National Bank, giving you accountability and stability.

Multi-acquiring infrastructure

A high-risk processor with a single acquirer is fragile. Multi-acquiring with intelligent routing spreads your volume and keeps processing live if one route fails — essential in high-risk verticals.

Purpose-built underwriting

A processor that truly handles high-risk underwrites your MCC from day one — not as a workaround, but as deliberate policy. The right processor knows your category before your account is even open.

Before and after

What changes when you work with the right high-risk processor

The wrong high-risk processor

  • Approved, then terminated when volume grows
  • No real understanding of your MCC category
  • Single acquirer — one point of failure
  • Chargeback ratios creeping toward thresholds
  • Re-applying to a new processor every year

MMG as your high-risk processor

  • Underwriting built for your MCC from day one
  • A specialist who already knows your vertical
  • Multi-acquiring keeps revenue flowing
  • 3DS2, risk rules and dispute support
  • A long-term processing relationship, not a revolving door
Built for high-risk

What's included with every high-risk account

Licensed-PI underwriting

Supervised by the Czech National Bank — we onboard high-risk MCCs as core business, not exceptions reviewed case by case.

Multi-acquiring & routing

Spread volume across acquirers with smart cascading — one decline or outage never stops your revenue.

Chargeback & fraud tools

3DS2, velocity rules and dispute support keep ratios safely inside the thresholds that matter for staying live.

Cards, wallets & APMs

Visa, Mastercard, Apple Pay, Google Pay, bank transfers, local schemes and crypto in one checkout.

Multi-currency, EU-wide

Accept and settle across European markets and 30+ currencies from a single integration.

Dedicated account manager

A named specialist who understands your vertical, settlement cycles and growth markets — and who picks up.

2012
Operating since
140+
Merchants worldwide
22
Years of expertise
Billions
In transactions processed
Getting started

Get started with a high-risk payment processor that stays

Send us your MCC

Find your code above or describe your business. We confirm what we can process and on what terms — usually within one business day.

Complete underwriting

Your account manager handles documentation and integration in parallel. API or hosted forms, live in days.

Process and scale

Accept payments across markets with multi-acquiring infrastructure and a dedicated team behind you as you grow.

High-Risk Processor FAQ

Questions about high-risk payment processors

What is a high-risk payment processor?
A high-risk payment processor is a licensed institution that specialises in opening and maintaining merchant accounts for categories mainstream banks decline — typically due to elevated chargeback exposure, regulatory complexity or the nature of the product. Unlike a standard processor, a high-risk payment processor builds its underwriting, acquiring relationships and risk tooling specifically for these verticals.
How do I find a reliable high-risk payment processor?
Look for a processor that is licensed and supervised by a named financial regulator, uses multi-acquiring infrastructure rather than a single acquirer, and underwrites your specific merchant category code from day one rather than approving on a workaround. MMG meets all three criteria as a licensed payment institution supervised by the Czech National Bank.
Which high-risk categories does MMG process?
Our core high-risk verticals are iGaming and betting (MCC 7995, 7994), adult and dating (MCC 7273, 5967), nutraceuticals and CBD (MCC 5122, 5499, 5968, 5969), travel (MCC 4722, 7011, 4511) and online lending (MCC 6012, 6051). If your category isn't listed, reach out — we assess each business individually.
What about reserves and chargeback thresholds?
High-risk accounts often involve rolling reserves and active chargeback management to stay within card scheme thresholds. The specifics depend on your volume, processing history and risk profile. Your account manager walks through all terms transparently before you commit — no surprises after go-live.
Can you process recurring billing for high-risk businesses?
Yes. Our gateway includes card-on-file and subscription processing for high-risk merchants — with 3DS2, velocity rules and retry logic to reduce failed payments and keep chargeback ratios in check on continuity offers.
How long does onboarding take with a high-risk processor?
Technical integration via our API or PCI-DSS hosted forms is typically a matter of days. Total timeline depends on documentation and underwriting — we run both in parallel to keep it as short as possible. Send us your MCC and we'll give you a realistic timeline for your category.
Talk to sales

Send us your MCC. Let's get you processing.

Tell us your vertical and volumes. As your high-risk payment processor, we'll confirm what we can process and on what terms — usually within one business day.

Czech National Bank licensed PIWe underwrite high-risk categories on purpose — it's the whole business.
No obligationA high-risk specialist reviews your MCC — not an automated system.
Response within one business dayTailored to your vertical, volume and target markets.

Get a high-risk quote

Share your MCC or describe your business — we'll confirm what we can process and on what terms.

No obligation · We underwrite each business individually

Thanks — we've got it.

A high-risk specialist will review your MCC and reach out shortly.

Your MCC isn't a problem. It's where we start.

A licensed high-risk payment processor built for the categories everyone else avoids. Tell us your code and we'll come back with a tailored proposal.

Talk to sales