High-risk payment processing
Expertise that goes beyond getting approved. Fraud, chargebacks and payment risk stay managed throughout the merchant relationship.
FMA-licensed payment institution
Principal member of Visa and Mastercard
PCI DSS Level 1 certified
25+ years in payments
Managing payment risk beyond the approval stage
Fraud surges and rising chargebacks can threaten payment acceptance long after approval. Left unchecked, they hurt revenue, attract card scheme attention and can put the merchant account itself at risk.
That is why DIMOCO does not stop at onboarding. Payment and risk specialists monitor performance after go-live and step in before problems escalate.
Protect payment acceptance
Risk controls aligned to your risk profile, to limit unnecessary declines of legitimate transactions.
Control fraud
New fraud patterns identified early, before they grow into wider payment problems.
Manage chargebacks
Dispute trends and their causes tracked, so rising levels are investigated early.
Keep payments stable as you grow
Performance reviewed as volumes, markets and customer behaviour change.
High-risk expertise throughout the payment lifecycle
KYC/KYB and merchant risk assessment
Before processing starts, the business model, licences, target markets and expected transaction patterns are reviewed.
Controls matched to your transaction pattern
Authentication and fraud rules set for how you actually trade. A subscription business needs different controls than an operator handling deposit peaks.
Acceptance, fraud, disputes and refunds tracked
After go-live, a declining acceptance rate or a climbing dispute ratio is treated as a signal, not background noise.
Causes investigated, action taken
When an indicator moves, specialists find the cause, from fraud attacks to billing issues, and agree on countermeasures before it draws card scheme attention.
High-risk industries and business models
Payment risk varies by industry and business model. Fraud, chargebacks, recurring payments, regulation and financial exposure each create different challenges, so every business is assessed on its own risk profile, not just its label.
Dating
Subscriptions, recurring card payments and one-off digital purchases raise exposure to renewal failures and disputes from charges customers do not recognise on their statement.
Stored cards kept current
Fewer failed renewals
Renewal disputes identified early
Ticketing & Events
Tickets sell long before the event. A cancellation or postponement can turn a large volume of advance sales into refunds and disputes.
Risk assessment for advance sales
Risk rules aligned to cancellation and refund exposure
Digital Content & Entertainment
Low transaction values and high purchase frequency leave little room for checkout friction, and avoidable declines hit revenue directly.
Less friction on low-value payments
Support for high purchase frequency
Payment options beyond cards
Gaming
In-game purchases and digital storefronts drive high transaction frequency, while shared accounts and family devices add dispute exposure.
Built for microtransactions
Payment options beyond cards
Dispute patterns monitoring
iGaming & Sportsbetting
Online casinos, lotteries and betting operators, with deposit-peak processing, chargeback management and market-specific compliance.
Medical Cannabis
Whether payments can be accepted depends on product classification and each market’s rules. Pharmacies in Germany have a dedicated setup with Cannaleo; other cannabis/CBD businesses are assessed individually.
Nutraceuticals & Supplements
Subscriptions, trial offers and product claims can raise dispute exposure, usually when customers are charged more, longer or sooner than they expected.
Billing disputes separated from fraud
Chargeback causes, not just counts
Not listed?
We assess every business on its own risk profile, markets and payment requirements. If you have been turned away elsewhere, talk to us.
Payment options for high-risk businesses
Card processing for high-risk businesses
DIMOCO combines card processing with payment and risk expertise across the merchant relationship. Risk-based authentication, fraud controls and transaction monitoring help maintain acceptance while catching changes in fraud and chargeback patterns early. For recurring and repeat payments, tokenization and Account Updater keep card credentials current and reduce avoidable failures.
Direct Carrier Billing for digital services
Carrier Billing charges purchases directly to the customer’s mobile phone bill or prepaid balance. No cards, no wallets, no registration. Built for mobile-first digital services, it adds a payment route beyond cards and reaches customers who prefer to pay through their mobile operator. Availability, transaction limits and supported service categories vary by operator and country.
Complete your payment mix
Alternative Payment Methods
Add the local payment methods your markets actually use.
Open Banking
Account-to-account payments in supported European markets. Zero chargebacks, near-instant settlement, no card scheme fees.
Why choose DIMOCO for high-risk payments
High-risk expertise across the lifecycle
Payment and risk specialists who work with fraud, chargebacks, recurring payments, future delivery and regulation every day, from onboarding through ongoing processing.
A regulated institution that stays
A privately owned Austrian payment institution regulated by the FMA, with 25 years behind it. We don’t onboard high-risk merchants and drop them when the portfolio shifts.
Real people, not a ticket queue
A named account manager and risk specialists who know your business and pick up the phone when something moves.
Is your business considered high risk?
Talk to our payment experts and build a setup designed to manage risk and keep payments running as you grow.
FAQ
What is a high-risk merchant account?
A high-risk merchant account lets an approved business with a higher risk profile accept card payments. Underwriting, risk controls and commercial conditions can differ from standard arrangements because of the added risk.
Which high-risk industries does DIMOCO support?
DIMOCO assesses businesses across high-risk, complex and regulated sectors, including online casino, lotteries and sports betting, dating, digital content and entertainment, gaming, travel, ticketing and events, nutraceuticals, and cannabis or CBD. Other businesses are assessed individually on their business model, markets and payment requirements.
Can high-risk merchants accept Visa and Mastercard?
Approved high-risk merchants can accept both. Eligibility depends on the business model, applicable card scheme requirements, operating markets, regulatory requirements, and the individual merchant assessment.
Can high-risk merchants use Carrier Billing?
Carrier Billing can suit certain digital products and services in EEA markets. Eligibility depends on the type of service, country, mobile network operator requirements and applicable regulations.
How does DIMOCO manage risk after onboarding?
Risk management continues after go-live. Transaction behaviour, fraud, disputes and other indicators are monitored to spot changes in the merchant’s risk profile and support the right action when needed.
Why is chargeback management important for high-risk merchants?
High chargeback levels raise costs and can point to problems with fraud, customer expectations, billing or the payment flow. Sustained deterioration can also create card scheme concerns, so monitoring disputes and understanding their causes is part of sustainable card processing.
I am already processing payments. Can I switch to DIMOCO?
Yes, established merchants can get in touch to discuss their setup. Processing history, volumes, markets and fraud and dispute performance help the team assess the business and its requirements.
How do I apply for high-risk payment processing?
Contact DIMOCO with a description of what you sell, where you operate and how your customers pay. The team reviews the business model, payment requirements and risk profile, and determines whether the business can be supported.