Full List of Alternative/Underground Payment Processors - High Risk Businesses & Foreign Users

[RichMedusa]

Many people in this forum are looking for PayPal and Stripe alternatives. Below, I'm providing you with a full list of not so popular payment processors.

We all know alternatives like 2Checkout, Authorize.net and Square, but this is a global forum and many members (including me) are not allowed in those mainstream American alternatives, because they have some strict rules about nationality and they tend to not accept users from some countries.

This doesn't mean that those alternatives below don't require KYC, yes, most of them will require and that's not the point of this thread, maybe a future one could be about payment gateways that don't care much about KYC, but in this thread, my priority is to provide you with a list of high-risk payment gateways that can be used instead of solely relying on stealth PayPal accounts.

Please, feel free to leave a suggestion in the comments too. Maybe you know some alternatives that I forgot to mention and it would be useful too. Do your own research about the reliability of those payment processors, even the most popular ones like Stripe and PayPal have thousands of accusations of scam and angry customers.

️More or less friendly to high risk industries:
MORUNE - https://morune.com/ (RUSSIA) - Credit Cards
GMPAYS - https://gmpays.com/en/ (CZECH REPUBLIC) - All in One
FREEKASSA - https://freekassa.com/ (RUSSIA) - All in One
HIGH RISK PAY - https://highriskpay.com/ (UNITED STATES) - Credit Cards
INSTABILL - https://instabill.com/ (UNITED STATES) - Credit Cards
SEAMLESSCHEX - https://www.seamlesschex.com/ (UNITED STATES ) - Credit Cards
NOWPAYMENTS - https://nowpayments.io/ - Crypto

️Accepting multiple local payment methods:
NOMUPAY - https://nomupay.com/ (UNITED KINGDOM) - All in One
UNIQ - https://uniqpayments.net/ (UNITED KINGDOM) - All in One
PAYSSION - https://payssion.com/en/index.html (CHINA) - Local Payment Methods
OCEAN - https://www.oceanpayment.com/ (CHINA) - All in One
PAGSMILE - https://www.pagsmile.com/ (BRAZIL) - Local Payment Methods
ALTAPAY - https://www.altapay.com/ (DENMARK) - All in One
VIVA - https://www.viva.com/en-at (GREECE) - All in One
PAYMENTWALL - https://www.paymentwall.com/en (UNITED STATES) - All in One
PINGPONG - https://pay.pingpongx.com/ (CHINA) - All in One
ASIA BILL - https://en.asiabill.com (CHINA) - All in One

 

[Dopious]

Great list, a lot to go thru.

 

[CPANathan]

Most overpowered thread of 2025?

 

[Spicy Chromosomes]

Thanks for sharing, very useful list
I have already seen some of those payment processors being used on SMM panels and gaming websites

 

[Juhku]

Great list!

I can also personally vouch for FREEKASSA.

 

[sangvingltd]

I test many of them like didnt work like FREEKASSA only accept russian cards
Also didnt accept delivery products
only projects like games or somoene selling keys
also PINGPONG asking for alot of document
And one stupid document that asking for

Office photo and logo
also viva spend my time with their manager require phone calls and after 2 weeks asking for many doc that I already provide they rejected my application

 

[JessiPinkme]

Those IPTV guyz can vouch for these?? What is working and what it not.

Great list.

 

[esama]

Those IPTV guyz can vouch for these?? What is working and what it not.

Great list.

I test before most of them
All gatways from usa and uk require kyc also zoom meet or Google meeting
For Russian gateways bedore was good but now they only accept russian cards for international only customers can pay crypto

 

[billythebilly]

I can vouch for Instabill when talking about high-risk industries. It's an old company.
And Paymentwall is also pretty good for general businesses.
Of course, you need to go through a KYC process, those are serious companies, not telegram scams

 

[YellowBush]

Thanks for sharing this list - do you know what acceptance rate is like on these payment providers? In my experience, using these unregulated providers have a very low acceptance rate and most transactions decline.

 

[Enzygnev]

It's such a great idea to make this list. Much easier to check and choose the best solution for business!

 

[JustAsking001]

Hey which card processor would you recommend for ingame currencies + ingame items sales? All the card processor I tried to work with rejected my application.

 

[thaimaster]

Which one you recommended guys

 

[Jihun]

Great list!

I can also personally vouch for FREEKASSA.

US clients can make card payment with freekassa?

I just registered and checked the payment link looks like.

 

[jokerdarkknight]

interested

 

[Beklink]

Is it true these companies have a high payment rejection?
Anyone tried any of these for dropshipping that is working?

 

[RichMedusa]

Is it true these companies have a high payment rejection?
Anyone tried any of these for dropshipping that is working?

From this list, I have personal experience with Viva Wallet, Paymentwall and Payssion, mostly for local payment methods, but when dealing with credit cards, I didn't have a problem about many refused payments, at least a few years ago it was like that

 

[Dondraper817]

Thanks for sharing, very useful list
I have already seen some of those payment processors being used on SMM panels and gaming websites

casino gaming website? if so which one are you using? everything working fine? is it usa based?

As a guy doing iptv and reps, just like how most here pointed out none of these really work. Key issues - Require too many docs and KYC. Cant accept intl cards(countries outside of russia/china). Too slow and high payment rejection. High rist dont really accept iptv, reps or similar grey hat business, they may but often freeze due to restrictions from govt/bank where they are registered. Card to crypto from any company always requires KYC from customer which will kill your conversions.

Best options - These are what im using for quite a while so I can vouch for them:

1. Blockonomics for crypto - Its non custodial ie when customer pays funds directly come into your bank account. USDT, BCH and BTC available and they take only 1% fees(pay manually end of every month).

2. Rental for card/gpay/klarna/apple pay etc - Renting from an agency that orchestrates bw stripe/sumup/square/2checkout etc depending on volume and also provides A B redirection aka cloaking setup if required. They payout in crypto or bank transfer and charge a % of sales volume.

can you dm me please? i would like to know more about option #2! thanks!

 

[etsy2work]

Great list. Thank you for sharing

 

[ightttttt]

Many people in this forum are looking for PayPal and Stripe alternatives. Below, I'm providing you with a full list of not so popular payment processors.

We all know alternatives like 2Checkout, Authorize.net and Square, but this is a global forum and many members (including me) are not allowed in those mainstream American alternatives, because they have some strict rules about nationality and they tend to not accept users from some countries.

This doesn't mean that those alternatives below don't require KYC, yes, most of them will require and that's not the point of this thread, maybe a future one could be about payment gateways that don't care much about KYC, but in this thread, my priority is to provide you with a list of high-risk payment gateways that can be used instead of solely relying on stealth PayPal accounts.

Please, feel free to leave a suggestion in the comments too. Maybe you know some alternatives that I forgot to mention and it would be useful too. Do your own research about the reliability of those payment processors, even the most popular ones like Stripe and PayPal have thousands of accusations of scam and angry customers.

️More or less friendly to high risk industries:
MORUNE - https://morune.com/ (RUSSIA) - Credit Cards
GMPAYS - https://gmpays.com/en/ (CZECH REPUBLIC) - All in One
FREEKASSA - https://freekassa.com/ (RUSSIA) - All in One
HIGH RISK PAY - https://highriskpay.com/ (UNITED STATES) - Credit Cards
INSTABILL - https://instabill.com/ (UNITED STATES) - Credit Cards
SEAMLESSCHEX - https://www.seamlesschex.com/ (UNITED STATES ) - Credit Cards
NOWPAYMENTS - https://nowpayments.io/ - Crypto

️Accepting multiple local payment methods:
NOMUPAY - https://nomupay.com/ (UNITED KINGDOM) - All in One
UNIQ - https://uniqpayments.net/ (UNITED KINGDOM) - All in One
PAYSSION - https://payssion.com/en/index.html (CHINA) - Local Payment Methods
OCEAN - https://www.oceanpayment.com/ (CHINA) - All in One
PAGSMILE - https://www.pagsmile.com/ (BRAZIL) - Local Payment Methods
ALTAPAY - https://www.altapay.com/ (DENMARK) - All in One
VIVA - https://www.viva.com/en-at (GREECE) - All in One
PAYMENTWALL - https://www.paymentwall.com/en (UNITED STATES) - All in One
PINGPONG - https://pay.pingpongx.com/ (CHINA) - All in One
ASIA BILL - https://en.asiabill.com (CHINA) - All in One

are the countries for the merchants or customers