A high-risk payment gateway that reviews your business, not just your category
Declined because of your industry label? RazPay reviews each application on its business model, sales method and operating controls — and adds a Visa / Mastercard route with no fixed costs.
- No setup fee
- No monthly fee
- Processing fee from 5.2%*
* The processing fee for high-risk products is 10%–13%.
Merchant review is required. Approval is not guaranteed.
High risk does not have to mean no card payments
Adult content, digital content, high-ticket services and subscription models are often grouped as "high risk" and declined automatically. Customers who prefer cards then abandon checkout.
RazPay accepts applications from these categories and decides individually. If approved, you can hold a payment account with no setup fee and no monthly fee and use it when you need it.
- Adult and digital content
- High-ticket, intangible and continuity services
- Other high-risk categories reviewed individually
Built to sit next to your current gateway
There is nothing to migrate. Keep your existing payment provider and add RazPay as a second card route — useful when a product is restricted, a limit is reached or an account is under review.
- Hosted payment links — no website changes required
- Email payment links for sales conversations
- API integration for your own checkout
Fees and settlement, stated up front
No setup fee and no monthly fee. Processing fees start from 5.2% (10%-13% for high-risk products). Payments are processed in MYR (Malaysian ringgit) and merchant settlement is paid in BTC, with month-end closing and payment at the end of the following month.
How RazPay works
- Customer pays by cardVisa or Mastercard on a secure checkout.
- Same-value NFTThe customer purchases an NFT of the same value.
- Exchanged in real timeThe NFT is exchanged for your product or service.
Fees & settlement
| Setup fee | $0 |
|---|---|
| Monthly fee | $0 |
| Processing fee | From 5.2% (high-risk products 10%–13%), quoted after review |
| Processing currency | MYR (Malaysian ringgit) |
| Merchant settlement | BTC · month-end closing, paid at end of following month |
Frequently asked questions
Which high-risk industries can apply?
Adult, digital content, high-ticket and continuity services and other categories that typical providers find difficult can apply. Illegal, unlicensed or rights-infringing businesses are not eligible.
Is approval guaranteed?
No. Every application is reviewed individually and approval is not guaranteed.
How is the merchant paid?
Merchant settlement is paid in BTC: month-end closing, paid at the end of the following month.
Related pages
Add one more card route you can actually use.
No setup fee and no monthly fee. Start with a merchant review.
Apply for RazPay Merchant ReviewMerchant review is required. Approval is not guaranteed.