Commercial
Fee processing stays one of many greatest issues for companies in high-risk industries. Should you run an online gaming platform, grownup content material website, cryptocurrency alternate, or subscription service, you’ve probably confronted a irritating fact.
Common banks and payment processors usually say no to working with you earlier than you may even clarify what your enterprise does.
This cost processing drawback creates a number of challenges directly. These embody restricted entry to cost options, very excessive transaction charges, frequent account freezes, too many chargebacks, and lots of regulatory challenges.
For top-risk retailers, discovering steady and dependable cost processing isn’t simply useful—it’s obligatory for survival.
Enter NextGen Fee, a specialised Impartial Gross sales Group (ISO) and Consulting Administration Firm made particularly to unravel this drawback.
Their mission? To attach high-risk companies with dependable cost processors, negotiate favorable phrases with banking companions, and supply the fraud prevention experience these retailers want. NextGen Fee doesn’t course of funds straight—as a substitute, they leverage their intensive relationships with buying banks to safe steady processing options that conventional monetary establishments usually deny to those industries. These assets assist these companies succeed even in tough regulatory environments.
Key Takeaways
- Trade-Particular Options: NextGen Fee works with companies that different cost firms received’t contact. They assist firms in gaming, grownup content material, subscriptions, and crypto markets. Proper now, they’ve helped greater than 1000 lively service provider accounts.
- Banking Community Benefit: They companion with over 20 banks that course of funds. This provides their shoppers backup choices if one financial institution stops working with them. This solves the most important drawback dealing with high-risk companies—having their accounts immediately closed.
- International Fee Capabilities: NextGen Fee is a wonderful matchmaker that helps high-risk retailers by linking them with banks that settle for funds from prospects worldwide. They assist a number of currencies and other ways to pay. This helps companies earn more money by reaching new prospects.
- ISO Experience With out Further Prices: As an Impartial Gross sales Group with deep {industry} expertise, NextGen makes use of their deep information to assist shoppers navigate the complicated banking world. They don’t add additional charges on high of what the banks cost for processing funds.
NextGen Fee At A Look
Based by Roberto Saporito, the previous International Head of HBR & Playing at Worldline, NextGen Payment brings over twenty years of cost {industry} experience to the desk.
It’s a specialised ISO targeted completely on companies that conventional monetary establishments usually keep away from.
The corporate’s spectacular statistics communicate volumes about their market place:
- 40+ years of mixed workforce expertise
- 1000+ lively service provider accounts
- 100+ IBAN accounts opened
- 20+ buying financial institution companions
Their providers are particularly tailor-made to companies in subscription providers, grownup leisure, on-line gaming, cryptocurrency, foreign currency trading, and the CBD/wellness area.
What’s an ISO? Understanding Impartial Gross sales Organizations
Earlier than wanting nearer at NextGen Fee’s providers, it’s essential to know what an ISO (Independent Sales Organization) truly is and why it issues for high-risk companies.
Fee processing is a fancy world, and ISOs play a key center position. An ISO is a third-party cost firm that works with banks to offer service provider account providers to companies.
Whereas banks have the cash techniques to course of funds, they usually don’t have the particular information, gross sales abilities, or willingness to straight serve sure enterprise sorts—particularly these seen as “high-risk.”
That is the place ISOs like NextGen Fee turn out to be invaluable. They bridge the hole between retailers and banks by:
- Constructing relationships with a number of buying banks: ISOs keep partnerships with quite a few monetary establishments, giving them the power to match retailers with essentially the most appropriate banking companion primarily based on threat profile, {industry}, and processing wants.
- Dealing with service provider setup and assist: ISOs handle the client components of cost processing, together with account setup and ongoing assist.
- Managing threat and compliance: They develop specialised experience in navigating the complicated regulatory panorama of high-risk industries, serving to retailers keep compliance whereas nonetheless processing funds successfully.
- Offering additional providers: ISOs usually supply options like fraud prevention, dealing with disputed fees, and enterprise knowledge monitoring.
For top-risk companies, working with a particular ISO like NextGen Fee gives a number of clear advantages over attempting to get processing straight by means of banks:
- Trade know-how: NextGen Fee understands the distinctive issues of high-risk enterprise sorts and has made particular options to deal with them.
- A number of processing selections: As a substitute of relying on only one financial institution relationship, companies get entry to a community of various banks.
- Stability and continuity: If points come up with one processing relationship, the ISO can usually transition the service provider to a different answer with out enterprise disruption.
- Particular threat administration: Excessive-risk companies profit from fraud prevention and disputed cost safety instruments made particularly for his or her {industry} challenges.
Whereas common cost processors might view high-risk companies with doubt, particular ISOs perceive the actual wants of those companies. They work to create lasting cost techniques that assist everybody concerned.
Take into accout, although, that ISO like NextGen Fee doesn’t course of funds straight—they merely construct the bridge for service provider to financial institution relationship.
Industries That Can Profit Most from NextGen Fee
NextGen Fee’s particular strategy gives large benefits to companies in industries which have common issues with conventional cost processing.
Let’s take a look at the principle enterprise sorts they serve and the way their options repair industry-specific issues:
Subscription Companies (Bodily & Digital)
Trade Challenges:
- Excessive chargeback charges from subscription billing disputes
- Advanced recurring cost administration
- Buyer acquisition prices misplaced when funds fail
NextGen Options:
- Safe, high-conversion cost processing designed for recurring billing
- International transaction assist for worldwide buyer bases
- Optimized cost flows to cut back failed funds and involuntary churn
- Specialised fraud prevention tailor-made to subscription enterprise fashions
Subscription-based companies—whether or not delivering bodily merchandise or digital content material—rely closely on seamless recurring funds.
NextGen Fee assist be certain that these essential transactions are processed reliably whereas minimizing the chance of chargebacks that generally plague subscription retailers.
Grownup Companies, Relationship, and Webcams
Trade Challenges:
- Widespread cost processing restrictions
- Excessive threat of fraudulent transactions
- Account stability points with mainstream processors
- Advanced compliance necessities
NextGen Options:
- Discreet, safe cost processing
- Specialised threat evaluation designed for grownup content material companies
- Secure service provider accounts with companions who perceive the {industry}
- Compliance steering to keep up processing relationships
Companies within the adult entertainment space face among the most extreme cost processing challenges, with many mainstream suppliers avoiding the {industry} completely.
NextGen’s specialised relationships and {industry} information present these retailers with dependable processing choices that preserve transactions flowing.
On-line Gaming and Playing
Trade Challenges:
- Strict regulatory necessities that adjust by jurisdiction
- Excessive transaction volumes requiring scalable options
- Advanced fraud patterns distinctive to gaming environments
- Want for multi-currency assist for international participant bases
NextGen Options:
- Compliant cost processing aligned with gaming rules
- Quick, safe cost processing for deposits and withdrawals
- Multi-currency assist with aggressive alternate charges
- Gaming-specific fraud prevention instruments
The gaming and gambling sectors function beneath intense regulatory scrutiny.
NextGen leverages the founder’s background in playing funds at Worldline to offer options that stability compliance necessities with the necessity for frictionless participant experiences.
Cryptocurrency and Blockchain
Trade Challenges:
- Restricted banking relationships for crypto-related companies
- Advanced regulatory panorama with speedy change
- Must bridge conventional finance and blockchain environments
- Excessive scrutiny from conventional monetary establishments
NextGen Options:
- Banking relationships that perceive crypto enterprise fashions
- Crypto cost acceptance with decrease processing charges
- Immediate settlements with out conventional banking delays
- Blockchain-based fraud detection to reduce transaction dangers
Cryptocurrency companies function on the intersection of conventional finance and rising blockchain know-how.
NextGen Fee’s options assist these retailers navigate each worlds, offering steady fiat processing alongside assist for native crypto transactions.
Overseas Trade (Foreign exchange)
Trade Challenges:
- Excessive transaction values triggering further scrutiny
- Want for speedy deposits and withdrawals
- Advanced compliance necessities throughout jurisdictions
- Frequent concentrating on by subtle fraud makes an attempt
NextGen Options:
- Safe real-time transactions for merchants
- Assist for a number of currencies and instantaneous deposits
- Superior security measures and fraud prevention
- Compliant processing that satisfies regulatory necessities
Foreign currency trading platforms demand cost options that may deal with high-value transactions with minimal friction.
CBD and Wellness Merchandise
Trade Challenges:
- Inconsistent regulatory therapy throughout areas
- Frequent misclassification as high-risk by processors
- Processing instability and sudden account terminations
- Restricted choices for compliant cost processing
NextGen Options:
- Secure service provider accounts for CBD companies
- Regulatory compliance experience for evolving CBD rules
- Simplified checkout expertise to spice up buyer confidence
- Threat administration to keep up processing relationships
The CBD {industry} operates in a regulatory grey space in lots of jurisdictions, creating important cost processing challenges.
NextGen’s distinctive options assist these retailers keep steady cost processing whereas navigating complicated and evolving rules.
Every of those industries advantages from NextGen Fee’s targeted strategy to high-risk service provider providers, receiving tailor-made options that tackle their distinctive challenges relatively than one-size-fits-all processing that fails to account for industry-specific wants.
NextGen Fee Companies & Options
As a substitute of offering one-size-fits-all options, NextGen Fee has developed a complete suite of providers particularly designed to deal with the distinctive challenges confronted by high-risk retailers.
These key differentiators tackle essentially the most urgent challenges these retailers face in sustaining steady cost processing.
Buying Companies (Service provider Accounts)
On the core of NextGen Fee’s providing is its specialised high-risk service provider account service. These accounts are particularly designed for companies that conventional banks usually reject, offering a steady basis for cost processing.
Key Advantages:
- Quick Approvals: Whereas conventional service provider accounts for high-risk companies can take weeks to approve, NextGen streamlines the method with responses inside 24 hours
- International Processing: Settle for funds from prospects worldwide with multi-currency assist
- Secure Banking Relationships: Partnership with 20+ buying banks ensures processing stability even for the highest-risk verticals
- Personalized Options: Every service provider account is tailor-made to the precise {industry} necessities and enterprise mannequin
The applying course of is easy, with NextGen’s workforce matching companies with essentially the most acceptable buying banks primarily based on their threat profile, {industry}, and particular wants.
This matchmaking strategy considerably will increase approval charges and ensures long-term processing stability.
Fee Gateway Integration Assist
NextGen Fee doesn’t have its personal cost gateway. As a substitute, it helps retailers arrange the approving financial institution’s cost gateway. This serves because the technological spine for transaction processing, providing a safe, scalable platform for accepting funds on-line, in-store, and by way of cellular.
Fraud Prevention & Chargeback Safety
One of the vital essential challenges for high-risk retailers is managing fraud and chargebacks. NextGen Fee assist shield retailers from these expensive points.
Chargeback Administration:
- Dispute Prevention Alerts: Early warning system for potential chargebacks
- Automated Chargeback Administration: Streamlined dealing with of disputes
- Representment Companies: Knowledgeable help in preventing illegitimate chargebacks
- Dispute Ratio Administration: Proactive monitoring to maintain chargeback charges beneath essential thresholds
These options are notably worthwhile for subscription providers, gaming platforms, and different enterprise fashions that usually expertise excessive chargeback charges.
By stopping fraudulent transactions and effectively managing authentic disputes, NextGen helps retailers keep wholesome relationships with buying banks.
Banking Options (IBAN & Playing cards)
Many high-risk companies wrestle with primary banking operations like sending and receiving funds. NextGen Fee addresses this problem with devoted IBAN account options.
Key Benefits:
- Multi-Foreign money Assist: Maintain and switch funds in a number of currencies
- Quick & Safe Transfers: Fast motion of funds with out pointless delays
- Decrease Charges: Aggressive pricing in comparison with conventional banking choices
- Regulatory Compliance: Accounts structured to keep up compliance with monetary rules
These banking options are notably worthwhile for worldwide companies that must handle international cost flows with out the restrictions usually imposed by conventional banks on high-risk industries.
Cryptocurrency Fee Options
Recognizing the rising significance of digital currencies, NextGen Fee gives built-in cryptocurrency cost choices for high-risk retailers.
Cryptocurrency Options:
- No Chargebacks: Irreversible transactions remove chargeback dangers
- Decrease Processing Charges: Lowered prices in comparison with conventional bank card processing
- Immediate Settlements: No ready durations for funds availability
- International Attain: Settle for funds from wherever with out regional restrictions
The platform helps standard cryptocurrencies together with Bitcoin, Ethereum, and USDT, with real-time conversion to fiat currencies accessible to reduce volatility dangers.
This hybrid strategy permits retailers to profit from cryptocurrency benefits whereas sustaining monetary stability.
Consulting Companies
Past technical options, NextGen Fee leverages its intensive {industry} expertise to offer strategic consulting providers for high-risk retailers.
Consulting Areas:
- Fee Optimization: Methods to extend approval charges and cut back processing prices
- Threat Administration: Customized approaches to reduce fraud and compliance dangers
- International Growth: Steering on coming into new markets and navigating regional rules
- Processor Relationships: Help in establishing and sustaining steady buying relationships
Led by founder Roberto Saporito, the consulting workforce brings twenty years of specialised cost experience to assist shoppers navigate the complicated high-risk cost panorama.
Trade-Particular Options
Reasonably than making use of generic cost approaches to specialised industries, NextGen Fee has developed vertical-specific options that tackle the distinctive challenges of every high-risk class.
For subscription companies, this implies optimized recurring billing instruments with superior retry logic and clever routing to maximise profitable fees.
Gaming operators profit from specialised fraud prevention configured for the distinctive patterns of playing transactions. Grownup leisure retailers obtain discreet processing with privacy-focused transaction descriptors.
This industry-specific strategy stems from deep understanding of every vertical’s distinctive cost ecosystem, leading to increased approval charges and extra steady processing relationships.
Compliance Help
Regulatory compliance represents a major problem for high-risk retailers, with necessities various by {industry} and area. NextGen Fee simplifies this complicated panorama with built-in compliance instruments and skilled steering.
Compliance Capabilities:
- KYC/AML Automation: Streamlined processes for required buyer verification
- PCI-DSS Compliance: Instruments and steering to keep up cost safety requirements
- Regulatory Updates: Proactive notifications about altering necessities
- Trade-Particular Compliance: Specialised steering for verticals like gaming, CBD, and grownup content material
This deal with compliance helps retailers keep away from the regulatory pitfalls that usually result in account terminations and processing disruptions in high-risk industries.
A number of Fee Methodology Assist
Excessive-risk retailers profit considerably from providing prospects numerous cost choices. NextGen Fee helps an intensive vary of cost strategies past conventional bank cards.
Supported Fee Strategies:
- Credit score and Debit Playing cards: All main card manufacturers with optimized high-risk processing
- Different Fee Strategies: Regional choices like iDEAL, Sofort, and Giropay
- E-Wallets: Assist for PayPal, Apple Pay, Google Pay, and others
- Financial institution Transfers: Direct account-to-account cost choices
- Cryptocurrencies: Bitcoin, Ethereum, and different digital currencies
This flexibility permits retailers to accommodate buyer preferences whereas lowering dependency on any single cost technique, creating extra steady general processing operations.
The best way to Get Began with NextGen Fee
Getting began with NextGen Fee follows a structured course of designed particularly for high-risk retailers. Their strategy aligns with the industry-standard steps outlined of their supplies, whereas providing customized assist all through the journey.
Step 1: Pre-Qualification
Start by reaching out to NextGen Fee by means of considered one of their contact channels:
- Their official web site contact kind
- The corporate’s LinkedIn web page
- Trade-specific occasions the place their representatives steadily attend
- Direct e mail to their gross sales or assist workforce
Throughout this preliminary stage, you’ll submit primary enterprise and private particulars to start the evaluation course of. NextGen Fee usually responds to preliminary inquiries inside 24 hours.
Step 2: Threat Analysis
NextGen Fee will conduct an intensive evaluation of your enterprise, together with your enterprise mannequin evaluation, monetary statements, and credit score evaluation.
This helps them match you with essentially the most acceptable options from their community of buying banks.
Step 3: Documentation Submission
Put together and submit the required documentation, which generally consists of:
- Enterprise licenses
- Processing historical past (if accessible)
- Refund insurance policies
- Web site or platform data
- Possession identification
- Monetary statements
Relying in your wants and the financial institution’s necessities, you’d both be requested to submit these paperwork to both your NextGen Fee account supervisor or to the financial institution’s direct submission types or pages.
Both method, you’ll be guided by means of out the method.
Step 4: Reserve Settlement
To take care of stability and shield your enterprise, NextGen Fee will work with you to determine a rolling reserve as a buffer towards sudden disputes.
This can be a commonplace observe for high-risk service provider accounts and helps guarantee long-term processing stability.
Step 5: Approval
As soon as the underwriting course of is full, remaining approval usually takes 3-6 weeks.
This timeline is considerably extra environment friendly than many high-risk retailers expertise when making use of on to banks with out specialised help.
Step 6: Integration Assist
After approval, NextGen Fee supplies complete assist in the course of the financial institution’s cost gateway integration course of.
NextGen Fee doesn’t insert an extra third-party platform. As a substitute, they assist facilitate a direct connection between your enterprise and the buying financial institution’s cost gateway, making certain optimum efficiency and minimal intermediaries.
Ongoing Administration
NextGen Fee gives steady account administration with 24/7 availability to deal with any points that come up.
Their workforce of specialists supplies ongoing optimization providers to keep up processing stability and enhance efficiency over time, serving to your enterprise scale confidently in difficult industries.
Face-to-Face Meetup
Should you’d relatively speak to NextGen Fee’s workforce in individual, you’re in luck, as they repeatedly attend {industry} conferences, occasions, and different sorts of meetups. They even companion with {industry} leaders to sponsor wonderful events like Always Winning by Mobidea!
These in-person alternatives permit you to focus on your particular enterprise challenges straight with their cost specialists, construct relationships with their workforce, and get customized insights that may not come throughout by means of digital communications.
Watch for his or her presence at main fintech, gaming, cryptocurrency, grownup {industry} and affiliate marketing events all year long, the place they usually present consultations and demonstrations of their specialised cost options.
Watch our Interview with Roberto Saporito from NextGen Payment @ AW Dubai 2025
NextGen Fee Professionals and Cons
When evaluating NextGen Fee as a possible ISO companion on your high-risk enterprise, it’s essential to know each their strengths and limitations.
Their specialised strategy gives important benefits for retailers in difficult industries, but in addition comes with sure concerns that ought to issue into your decision-making course of.
Right here’s a balanced evaluation of what NextGen Fee brings to the desk:
Professionals
- Specialised Excessive-Threat Experience: With over 40 years of mixed workforce expertise particularly in high-risk industries, NextGen Fee gives unparalleled {industry} information that generic cost processors merely can’t match.
- In depth Banking Community: Entry to twenty+ buying financial institution partnerships supplies redundancy and stability that high-risk companies not often discover elsewhere, lowering the chance of sudden account terminations.
- Fast Approval Course of: Whereas conventional service provider accounts for high-risk companies can take months to approve, NextGen streamlines the method, with preliminary responses inside 24 hours, and subsequent software and approval course of starting from two to 6 weeks.
- Complete Fraud Safety: Their specialised fraud prevention instruments are tailor-made to the distinctive patterns of every high-risk {industry}, providing safety that goes past generic options.
- A number of Fee Choices: Assist for numerous cost strategies, together with bank cards, different funds, and cryptocurrencies, provides companies flexibility and reduces dependency on any single processing channel.
- International Processing Capabilities: Multi-currency assist and worldwide banking relationships make NextGen Fee splendid for companies with international buyer bases.
- Devoted Account Administration: Every consumer receives customized assist from managers who perceive their particular {industry} challenges.
- Aggressive Processing Charges: Whereas high-risk retailers usually face increased processing charges from banks because of their {industry} classification, NextGen Fee doesn’t add additional fees on high of those financial institution charges. Their worth comes from securing the absolute best charges by means of their intensive banking relationships whereas offering specialised providers at no further markup.
Cons
- Oblique Underwriting Management: ISOs like NextGen Fee don’t have full management over underwriting or banking selections, since they depend on buying companions. Whereas NextGen Fee doesn’t straight underwrite, its broad community of buying and banking companions permits it to match every service provider with essentially the most appropriate supplier. This flexibility means they’re not tied to inflexible threat insurance policies or one-size-fits-all options—as a substitute, they advocate for his or her shoppers and discover pathways that conventional acquirers usually can’t.
Regardless of this limitation, NextGen Fee gives a compelling worth proposition for companies in high-risk industries that wrestle to search out steady cost processing.
The corporate’s targeted strategy transforms what would usually be disadvantages into strategic benefits, offering specialised options that allow development relatively than hinder it.
NextGen Fee Verdict
For top-risk retailers repeatedly dealing with cost processing roadblocks, NextGen Fee gives what few others can—stability, experience, and a real path to development.
Whereas others deal with high-risk industries as issues to keep away from, NextGen Fee has constructed its complete enterprise round fixing these particular challenges with its intensive banking community and specialised fraud safety.
Their industry-specific strategy transforms cost processing from a relentless wrestle right into a strategic benefit for companies in gaming, grownup content material, subscription providers, and different difficult verticals.
Don’t let cost limitations maintain your enterprise again any longer—partner with NextGen Payment and switch your {industry} “threat” into your subsequent development alternative.
Commercial
