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Card payments for High-Risk Businesses
Accept cards, Apple Pay, Google pay as a high-risk merchant on your website or app — with a checkout that converts.
- Get your Merchant Account approved in under 24h
<24h
for Onboarding
180+
Countries
95%
Card approval rate
Recurring
Apple Pay
Checkout
Visa · Mastercard
Deposit
Shopping
Google Pay
Payment approved$122.00
Deposit approved$500.00
What is Novupay
Novupay is a fiat payment gateway for high-risk businesses. We process card, Apple Pay and Google Pay payments, with local payment methods available on request.
Our frictionless checkout flow minimizes drop-offs, ensuring that high-intent buyers/depositors successfully complete their payments. We handle pay-ins/deposits only and settle you in crypto or fiat.
50+
Merchants onboarded
$50M+
Volume processed
Why businesses choose Novupay
With over 5 years of experience in high-risk payment processing, we've become the trusted partner for businesses that others won't approve.
Card approval rate
95%
Seamless checkout experience:
no re-direct, no on-ramping, high card approval rate
Maximum conversion
Worldwide coverage
180+
countries that we support.
Fast Onboarding
<24h
to approve a new merchant
We provide 24/7 support on Telegram
or WhatsApp - whatever you prefer
Dedicated Support
Better flow. Better approval. More revenue.
The result isn't just a better checkout — it's a far larger number of completed payments.
Redirect
Approval rate
Transaction limits
Payment methods
Settlement options
Number of users
None. Frictionless checkout.
Number of users
95%
Number of users
No maximum per transaction,
no daily or monthly limits
no daily or monthly limits
Number of users
Card, Apple Pay, Google Pay,
local methods on request
local methods on request
Number of users
Crypto or fiat — you choose per request
Other high-risk payment solutions
Number of users
Payer sent to an unfamiliar third-party page
Mobile and Desktop app
Around 70%
Number of users
Per-transaction, daily and monthly caps
Investment accounts
Often card only
Investment accounts
Fiat only, or crypto only
Industries we serve
Checkout🔒 Secure
Premium MembershipMonthly plan$99.00
Add-on Package1 × $23.00$23.00
Pay with
CardApple PayGoogle Pay
Card number•••• •••• •••• 4242
Expiry08 / 29
CVC•••
☰Confirm with Face ID
Total$122.00
Pay $122.00
Secured by Novupay
CheckoutOne-page payment
✓Payment approved$122.00 · Card •••• 4242
Approval rate95%▲ 2.4%
✓ Card✓ Apple Pay✓ Google Pay
High-conversion checkout experience
Every high-risk checkout loses payers. Ours loses the fewest. No on-ramping, no redirect — just a buyer who wants to pay, paying.
Ready to Start Processing?
Tell us what your business is and where your customers are. We reply within 12 hours.
- Card, Apple Pay and Google Pay
- 95% card approval rate
- Settle in crypto or fiat — your choice
- Worldwide coverage
FAQ
Which industries do you accept?
How long does merchant approval take?
Submit the form on our website and from there we can onboard you in under 24 hours.
Which countries do you cover?
Worldwide, with sanctioned countries excluded. If you're unsure about a specific market, just ask.
What are the limits?
There's no maximum per transaction and no daily or monthly cap.
Is there a rolling reserve?
It depends on the business. We evaluate each merchant individually, and where a reserve applies we can fix the rate once the evaluation is complete. Plenty of merchants have none.
Do you do payouts or withdrawals?
No. Novupay handles deposits and pay-ins only.
Do my customers have to buy crypto?
No. This is direct fiat processing — card in, settlement out. There's no on-ramping step and no redirect to a third-party page.