Everything high-risk operators need.
Acquirer introductions, chargeback-alert programs and the corporate setup that makes both possible — delivered as a consultancy for merchants Stripe, Adyen and PayPal won't touch. ApexPay does not process payments or hold funds.
Payment Processing
Introductions to 40+ acquirers, matched to your vertical.
One conversation plugs your business into a global acquiring network via our partners: cards, APMs, A2A, SEPA, open banking and crypto on/off-ramps. We advise on smart routing so each transaction reaches the acquirer most likely to approve it — operators we've matched typically see ~30% authorisation lift in week one. Underwriting, processing and settlement are performed by the licensed acquirer, not by ApexPay.
Interchange-plus pricing
Transparent partner-acquirer pricing quoted upfront. No padding, no opaque blended rates.
Multi-acquirer routing
Advisory on cascading, failover and BIN-level optimisation across 40+ partner acquirers in 60+ countries.
Local where it matters
Introductions to local-MID acquirers in your top markets so customers pay in the method they already trust.
3DS, fraud & dispute tooling
We help you select partner gateways with 3DS2 frictionless flows, fraud scoring and dispute tooling built in.
Fast settlement
We match you with acquirers offering daily or weekly settlement cycles and minimal rolling reserves where the risk profile allows.
One API, every method
Partner gateways expose hosted checkout, drop-in or full API — cards, APMs, A2A and crypto from a single integration.
Chargeback Alerts
Stop chargebacks before they become chargebacks.
Every chargeback above the Visa VAMP threshold (currently 0.9% of monthly disputes, dropping further in 2026) puts your MID one notification away from termination. ApexPay enrols you into the two networks that matter — Ethoca (Mastercard) and Verifi (Visa) — through partner gateways and dispute teams, so disputes can be resolved before they ever hit your chargeback ratio.
Ethoca alerts (Mastercard)
Real-time notifications when a cardholder calls their issuing bank — typically 24 to 72 hours before the chargeback is filed. Refund, refuse or contact the customer within the alert window.
Verifi CDRN (Visa)
Cardholder Dispute Resolution Network routes Visa disputes via partner platforms for resolution. Partner dispute teams refund, deflect or push back inside the 72-hour SLA so the dispute never reaches your chargeback ratio.
Visa RDR — Rapid Dispute Resolution
Rule-based automatic refunds for low-value or rules-eligible disputes, configured on the partner platform. Set thresholds per MID, per BIN, per amount. Zero manual handling, zero chargeback counted.
Representment & evidence packs
When a dispute does land, our partner chargeback team builds the compelling evidence pack — 3DS proofs, AVS, delivery confirmation, T&Cs, prior refunds — and submits the representment on your behalf.
MID-level monitoring
Partner dashboards by MID, BIN, issuer and country. Visa VAMP and Mastercard ECP simulators warn you before you cross a threshold, not after.
Auto-refund workflows
Set policies once (refund all alerts under $X, refund all subscriptions, etc.). The partner engine fires refunds via your gateway the moment the alert arrives, with full audit trail.
60–80%
Disputes deflected pre-CB
<72h
Resolution SLA
0.9%
Visa VAMP threshold
24/7
Alert handling
Corporate Structuring
Corporate structuring for international merchants.
Acquirers underwrite the legal entity, not the website. The jurisdiction you pick, the share capital you file, the director profile, the bank account behind it — all of that determines which acquirers can onboard you, what volume cap you get, and how resilient you are when one MID gets terminated. We advise on the structure, coordinate entity formation with partner agents and introduce you to the banking that lets your payment stack actually scale.
Onshore & offshore company formation
Pick the right flag: UK Ltd, Cyprus, Malta, Estonia, UAE Free Zone, Hong Kong, Singapore, Delaware LLC/C-Corp, BVI, Seychelles. We coordinate incorporation, share capital, registered office and apostilled documents via partner corporate-services firms.
Corporate bank & EMI accounts
Introductions to tier-1 banks and EMIs (Revolut Business, Wise, Airwallex, Intergiro, Bankera and high-risk friendly correspondents). Multi-currency IBANs, SEPA and SWIFT from day one.
Multi-entity MID strategy
Advisory on holding plus operating entities across jurisdictions to diversify acquiring risk. If one MID is terminated, traffic re-routes the same day — without your business going dark.
Compliance, AML & KYC
Templates and advisory on AML policies, KYC procedures, beneficial owner disclosures, FATCA/CRS classification and ongoing filings — tailored to high-risk verticals (gambling, crypto, adult, CBD, forex, nutra).
Nominees & economic substance
Introductions to nominee director and shareholder services where permitted, plus real-substance setups (office, local director, payroll) for jurisdictions that require it under BEPS and EU substance rules.
Licensing & VAT/OSS
Introductions to specialist counsel for gambling, crypto (VASP/MiCA), payment institution and broker licensing. EU VAT registration, OSS/IOSS and US sales tax setup for cross-border merchants.
Jurisdictions we cover
Why one consultancy
Processing, chargebacks and structure are the same problem.
Acquirers approve your entity based on its structure. Your structure determines which MIDs you can hold. Your MIDs survive only as long as your chargeback ratio stays under threshold. Treat any of these in isolation and the other two break. ApexPay coordinates all three from a single consultancy team so the strategy is consistent end to end.
Structure first
Pick jurisdictions, entities and banking that match the acquirers you want to land.
Approvals second
Underwrite against the structure. Land local MIDs in the markets that drive your revenue.
Protection always on
Ethoca, Verifi RDR/CDRN and representment keep ratios safe so MIDs stay live.
FAQ
Services, answered.
Can I get chargeback alerts without moving my processing through ApexPay's network?+
Yes. Ethoca and Verifi enrolment is gateway-agnostic — we can plug alerts into your existing acquirers and PSPs without you moving any processing. ApexPay is a consultancy, not a processor.
How fast can a new entity be live and processing?+
Onshore EU and UK companies are typically incorporated in 3–7 business days via partner agents. Bank or EMI introductions add another 5–15 days. Acquirer onboarding on top of that runs another 5–10 business days for most verticals.
Do I need an offshore company to process high-risk payments?+
Not always. Many EU and UK verticals can be processed onshore. Offshore structures are useful when you need higher volume caps, vertical-specific licensing, or jurisdictional diversification across multiple MIDs.
Will alerts hurt my chargeback ratio?+
No — that's the entire point. A resolved alert (refund via Ethoca, CDRN deflection or RDR auto-refund) is not reported as a chargeback by Visa or Mastercard, so it doesn't count toward VAMP or ECP thresholds.
Do you provide ongoing compliance, or just initial introductions?+
Both. We coordinate the entity setup with partner agents and then introduce annual filings, accounting, registered office, AML monitoring and beneficial owner update services so the structure stays compliant year over year.
Stop losing revenue to bad payments.
Get a free, no-obligation audit of your payment stack. We'll show you exactly where revenue is leaking and how to fix it.
- Confidential and free — no commitment.
- Delivered within 48 hours.
- Coverage for 60+ countries and high-risk verticals.