A short first step
Register with basic merchant information, verify your email and configure a receiving wallet. A provider may still request business information before live transactions.
More choices for high-risk merchants.
When mainstream payment processors do not fit your business model, you still need an orderly checkout, transparent costs and reliable settlement evidence. Explore eligible provider routes without an endless application maze.
Individual payment methods, industries and countries are subject to eligibility checks.Alternative rails,
not empty guarantees.
A high-risk payment gateway must do more than claim instant acceptance. A workable integration must confirm that the business category is supported, the provider can onboard your buyers in their location, the amount meets provider limits, and the merchant receives a verifiable settlement.
Provider-aware methods
KoviraPay maintains an administrator-approved provider catalogue. Availability depends on current provider status, the payment method, amount and region.
Transparent fees
The KoviraPay platform fee is 1%. Any provider charges, FX spreads and network costs remain separate so you can evaluate the total payment economics.
On-chain reconciliation
Our V3 architecture records contract deployment, funding, settlement, fee accounting and merchant withdrawal separately. Payment confirmation is not based on a redirect alone.
Merchant-side controls
Choose payment methods, preferred providers and your receiving wallet from the dashboard. API and WooCommerce integration reduce repeat setup work.
Responsible acceptance
Restricted activities, sanctions restrictions, geographic rules and provider terms still apply. We do not promise every product or customer is accepted.
BEFORE YOU APPLY
What to check for a high-risk payment route
First, identify the products or services you sell and the customer countries you serve. The same provider can accept a category in one region and decline it in another. Next, look at how customers actually pay: card, bank transfer or crypto. Some advertised methods may require additional buyer verification, minimum purchase values or a specific settlement asset.
Look at settlement as carefully as checkout. A hosted link opening successfully is not proof that funds reached your receiving wallet. KoviraPay's route verification model separates the customer payment event from funding, on-chain confirmation, platform-fee reconciliation and merchant payout. This helps prevent false 'paid' order statuses.
Finally, compare the complete cost. For a €100 eligible transaction, our platform portion is €1. External processing and any foreign-exchange or blockchain-network fees are not included in that €1. Check provider rates and limits before committing to a commercial price. If your business is legally permitted but underserved, KoviraPay offers a technical route to evaluate; it is not a blanket exemption from provider policies.
GOOD TO KNOW
Clear answers, before you connect.
Do I need KYB to create an account?
You can create a KoviraPay account with basic registration details. Connected payment providers, jurisdictions and certain business categories can require identity or business verification before customers can pay. We never promise a KYB exemption.
Can high-risk merchants apply?
Merchants in industries underserved by traditional processors can explore supported routes. Eligibility is evaluated per provider, country, product and applicable restrictions. Illegal or prohibited activity is not supported.
Can I accept payments after a Stripe or PayPal restriction?
You may apply to KoviraPay and explore available alternative providers, but an earlier account restriction does not guarantee approval. Each provider independently sets eligibility, restricted activities and supported locations.
Does non-custodial settlement eliminate card disputes?
An on-chain transfer may be irreversible, but upstream card-payment disputes, fraud reviews and provider decisions can still occur. Do not assume zero chargebacks for card-funded flows.
YOUR NEXT MOVE
Create merchant account ↗Find a checkout that fits your business.
Create an account, review supported payment methods and test the full flow before you take live customer payments.