About Rizk Pay
Built by people who got tired of watching good businesses get debanked.
High-risk merchants do not fail because their businesses are bad. They fail because generalist processors underwrite them like generalists, then terminate the account at the first sign of friction. A legitimate broker, a licensed operator, a compliant supplement brand: all of them wake up to a locked terminal and a 30-day settlement freeze more often than they should.
Rizk Pay was built to be the acquirer these merchants deserved from day one. Specialist underwriting that reads your file properly, real acquirer relationships in the verticals we serve, and a support team that answers the phone when your ratio moves. We do not promise miracles. We promise a decision inside 48 hours, a human on the other end, and fees that show every line.
Leadership
Named biographies are on the way. We would rather publish this section when it is accurate than fill it with placeholder headshots and invented titles.
How we operate
Three commitments, kept in writing.
The industry has spent a decade earning a bad reputation. These are the promises that keep us on the right side of it.
Honest underwriting
We read your file properly and tell you what we can and cannot do. If we cannot approve you, we say why. If we can, we say on what terms, in writing, before you sign.
No surprise terminations
Barring fraud or illegality, no Rizk Pay merchant loses their account without a 30-day written notice and a remediation conversation first. If the acquirer forces our hand, you get the same notice we do.
Humans answer the phone
Every merchant has a named account manager and a support line. Chargeback moved the wrong way, ratio ticked, cross-border approval dipped: you speak to a person who knows your file.
Compliance posture
What sits behind the gateway.
PCI DSS Level 1
Card data is handled inside a PCI DSS Level 1 compliant environment. Merchants using hosted checkout inherit that scope reduction.
KYC and AML program
Full merchant KYC at onboarding, ongoing AML monitoring, and sanctions screening tied to updated global lists.
Acquiring partnerships
Working relationships with regulated acquiring banks that have appetite for high-risk verticals. Named partner disclosure sits behind an NDA at commercial review.
Licensing and registration
Entity details, regulator registrations, and jurisdiction of record are published here as they are finalised (TBC). We would rather leave this blank than list numbers that have not been issued.
Talk to someone who has seen your file before.
No obligation quote. Response inside one business day.