Frequently asked questions

Novupay is for high-risk businesses that struggle to get or keep a fiat payment gateway. That includes merchants other processors have declined, merchants who only take crypto or manual bank transfers today, and merchants whose current checkout loses too many payers.

Payments are processed directly in fiat, without sending your customers to an unfamiliar third-party page. Card approval rates sit at 95%, against roughly 70% on many competing high-risk solutions. More of the people who reach your checkout end up paying.

Very likely. Novupay exists for operators that mainstream and many high-risk processors turn away. Tell us about your business, and we'll tell you quickly whether we can board you.

Novupay is incorporated in Costa Rica and works with merchants worldwide, excluding sanctioned countries.

Yes. The industry pages cover the businesses we see most often, not everything we can take on. If your business is legal and other processors find it hard to place, send us a short description and we'll review it.

No single licence is required. We work with operators registered in a wide range of jurisdictions, including offshore setups that other processors routinely decline. Every business is reviewed individually during onboarding.

Yes, and this is one of the most common reasons merchants come to us. Adding card, Apple Pay and Google Pay lets you reach customers who would never buy crypto just to pay you.

Yes. Prop trading firms are one of our core verticals. We process evaluation, challenge and reset fees through the same one-page card checkout.

Standard KYC and KYB onboarding: your company documents, ID for the owners, the website where you'll take payments and your settlement details. Nothing unusual, and we walk you through it.

Yes. Your website is part of our review, so it should be live and clearly show what you sell. Clear product descriptions, pricing, terms and contact details also make the review faster.

Less than 24 hours once we have all your requested company (KYB) and owner (KYC) documents.

Yes, on request. Tell us where your customers are, and we'll let you know which local methods we can enable for you.

It's a clean, one-page payment: your customer picks card, Apple Pay or Google Pay, enters their details and pays. There are no extra steps between them and the payment, so the flow feels like any normal online card payment.

No. Novupay processes card payments directly in fiat, so your customers never need a wallet or an exchange account.

Every declined payment is a customer who wanted to pay and couldn't. Out of 100 payment attempts, a 95% approval rate completes 95 payments, against 70 at 70%. That's about 36% more revenue from the same traffic.

No. There's no maximum amount per transaction, and no daily or monthly limits for your customers.

Yes. Because there's no per-transaction maximum, you can take large deposits and high-value orders through the same checkout as everyday payments.

Yes. Chargebacks are part of card payments and no processor can rule them out, Novupay included. Disputes are rare for a legitimate business that delivers the product or service the customer paid for.

High-risk industries see more regulation, more scrutiny from card schemes and more payment risk overall. Few processors are willing to take that on, and the ones that do price it in. The real question isn't the headline rate, but how much revenue you keep at the end.

Yes. The choice is made per settlement request. You can take one settlement in crypto and the next to your bank account.

Settlement timing depends on the method you choose. Get in touch, and we'll walk you through the timelines for crypto and fiat settlement.

You can settle in the most widely used cryptocurrencies and stablecoins, or by bank transfer in fiat. Ask us for the full list of supported options.

It depends on your business. Whether a reserve applies, and at what level, is decided case by case once we've reviewed your business. If one does apply, it can be set as a fixed rate.

Yes. WooCommerce stores can install the Novupay plugin, add their credentials, and take card, Apple Pay and Google Pay payments without writing code.

Yes, with payment links. You create a link for an amount and send it to your customer by email, chat or social media. They pay through the same one-page checkout.

Yes. Our API lets you create payments from your own system and track their status. Full documentation is provided once you're onboarded.

Yes. Novupay sends a webhook to your server whenever a payment's status changes. Every webhook is signed with HMAC-SHA256, so you can verify it came from us.

Each payment moves through clear statuses: pending, waiting, confirming, paid, failed or expired. Only "paid" means the payment is complete.

Yes. Customers can pay from anywhere outside sanctioned countries, by card, Apple Pay or Google Pay. Local payment methods for specific markets are available on request.

No. We work with companies incorporated around the world, including the offshore jurisdictions that are common in trading, gaming and betting. Your jurisdiction is reviewed as part of onboarding, alongside the rest of your business.

Yes. Payments are sent over encrypted connections, and every notification we send to your server is signed so it can't be faked.

We reply to new merchant enquiries within 12 hours.

Yes. Send us a short description of your business, your website and your expected monthly volume. We'll tell you plainly whether we're a fit before you prepare any documents.