HIGH-RISK PAYMENT GATEWAY  ·  BUILT FOR iGAMING

Payments built for
the traffic other
gateways refuse.

Local rails, European bank payments and crypto settlement — underwritten for iGaming, betting and sportsbook from day one. One counterparty, one integration, one balance.

20
Local markets
49
Local methods
97%
Acceptance, up to
24/7
Merchant support
GCash · PIX · UPI · QRIS · M-Pesa · KakaoPay · DANA · PayID · Kaspi · JazzCash · PhonePe · NEQUI · OXXO · KHQR · Toss · JKOPay · bKash · KBZPay · Maya · PSE · CVU · SEPA Instant · Easypaisa · Grab · IMPS · WavePay · PalmPay · Tosspay · QRPH · Mandiri · GCash · PIX · UPI · QRIS · M-Pesa · KakaoPay · DANA · PayID · Kaspi · JazzCash · PhonePe · NEQUI · OXXO · KHQR · Toss · JKOPay · bKash · KBZPay · Maya · PSE · CVU · SEPA Instant · Easypaisa · Grab · IMPS · WavePay · PalmPay · Tosspay · QRPH · Mandiri ·
Positioning

Built high-risk-first. Not adapted to it.

Mainstream PSPs treat iGaming as an exception — approved slowly, re-priced quietly, terminated suddenly. This gateway is underwritten for gaming, betting, sportsbook and forex from the first conversation, across three rails that usually take three vendors.

01

Local rails

20 markets across Southeast Asia, South & Central Asia, North & East Asia, Latin America, Africa and Oceania. The domestic wallets and bank rails players actually use — pay-in and pay-out.

02

Bank payments

SEPA Instant and open banking across the Eurozone and the UK. Payment initiates directly from the player's bank account — up to 97% acceptance, no chargeback mechanism in the rail.

03

Crypto

Settlement and payouts in USDT or USDC. Move between local fiat, EUR and stablecoin on the same balance, without an external OTC desk in the middle of your treasury.

ONE APIONE BALANCEONE RECONCILIATION ONE COUNTERPARTY
Local rails

20 markets. 49 local methods.

Pay-in and pay-out in every market, at the fastest settlement term each rail supports.

Southeast Asia
🇮🇩Indonesia
QRIS · DANA · BCA · Mandiri
T+0
🇵🇭Philippines
GCash · Maya · QRPH · Grab
T+0
🇲🇾Malaysia
Online Banking · TNG · Boost
T+1
🇰🇭Cambodia
KHQR · All-bank payout
INSTANT
🇲🇲Myanmar
KBZPay · WavePay · Bank
INSTANT
South & Central Asia
🇮🇳India
UPI · PhonePe · GPay · IMPS
T+0
🇵🇰Pakistan
Easypaisa · JazzCash · QR
T+0
🇧🇩Bangladesh
bKash · Nagad
T+0
🇰🇿Kazakhstan
Kaspi · Local bank transfer
T+0
Africa
🇳🇬Nigeria
PalmPay · All Banks
T+0
🇰🇪Kenya
M-Pesa in · M-Pesa out
T+0
North & East Asia
🇰🇷Korea
KakaoPay · Toss · Card · VA
T+0
🇯🇵Japan
Bank Transfer (P2C)
INSTANT
🇹🇼Taiwan
JKOPay · CVS · ATM · Card
T+3
Latin America
🇧🇷Brazil
PIX in · PIX out
T+0
🇲🇽Mexico
All Banks · OXXO cash
T+0
🇨🇴Colombia
PSE · NEQUI · All-bank
INSTANT
🇦🇷Argentina
CVU · QR · E-wallet
INSTANT
🇵🇪Peru
Online Banking · All-bank
INSTANT
Oceania
🇦🇺Australia
PayID pay-in & pay-out
INSTANT
Worldwide
🌐Global cards
Visa · Mastercard — any market
T+5

Settlement column shows the fastest pay-in term per market. Per-method terms, limits, currency ranges and current corridor status are in the full rate card, issued on request.

Bank payments — Europe

Instant open banking

The API initiates payment directly from the player's bank account into yours. No card network in the path means no interchange, no issuer decline wall, and no chargeback mechanism for friendly fraud to exploit — the dispute vector that gets iGaming merchants terminated elsewhere doesn't exist on this rail.

97%
Acceptance rate, up to
89%
Processed via SEPA Instant
1 day
Integration via API
0
Chargebacks — none in the rail
Coverage
AustriaBelgiumFranceIreland ItalyNetherlandsPortugalSpain United Kingdom

Compatible with all major Eurozone banks. Delivered through a UK-licensed banking partner with 11+ years in market.

Rails
SEPA INSTANT  ·  SEPA
SWIFT  ·  TARGET
FPS  ·  CHAPS
Crypto

Stablecoin, in and out

For a high-risk operator, crypto isn't a novelty rail — it's how treasury survives fifteen collection currencies and a correspondent-banking system that doesn't want the business.

Settle in USDT or USDC. Take your balance in stablecoin, local fiat or EUR — switch per settlement cycle, not per contract.
Pay players out in crypto. Withdrawals to player wallets alongside the same local and bank rails, from one balance.
Convert on-platform. Move between fiat and stablecoin without routing treasury through a third-party OTC desk.
One ledger. Crypto and fiat movements reconcile in the same statement, against the same transaction IDs.

Why it matters

Taking settlement in stablecoin removes the correspondent-banking leg, the FX spread on every repatriation, and the two-day float between a local payout and a usable balance — the three costs that quietly eat a high-risk operator's margin.

How it works

Payment flow

PlayerDEPOSIT
Your site
or appCHECKOUT
Local rail · Open banking
· CryptoROUTED AUTOMATICALLY
Your Payee Global
accountONE BALANCE

C2B payouts

Player withdrawals back over the same rails — single or mass payout file, at the fastest term each rail supports.

B2B settlement

Settle to your own bank, or receive balances in from other PSPs into a dedicated B2B account.

Treasury

Hold and convert between local fiat, EUR and stablecoin. Mastercard business cards on the same balance.

Security

Secured across the processing cycle

Four control layers, from the moment a player pays to the moment the data is at rest.

01

Authorisation

3D Secure 2 with a configurable challenge scope — you decide which transactions step up and which pass frictionless. Intelligent routing sends each card transaction to the acquirer best placed for that issuer's jurisdiction. AVS adds an address check against the issuing bank's file.

02

Transmission

Every byte of cardholder data moves through PCI DSS-compliant pipelines, TLS-encrypted end to end. Your systems never touch raw card data, so your own PCI scope stays minimal.

03

Storage

Tokenisation replaces card data with vault tokens at the moment of capture. Repeat deposits and stored players run on tokens — nothing sensitive sits on your infrastructure to breach.

04

Monitoring

Machine-learning fraud scoring runs on every transaction in real time, layered with manual review on flagged patterns. Blacklisting filters by region, IP, device and card fingerprint against card-testing and coordinated attack traffic.

PCI DSS COMPLIANT 3D SECURE 2 TOKENISATION VAULT

PCI DSS

The gateway operates under the full PCI DSS control set — cardholder data protection, vulnerability management, access control, continuous monitoring and audited security policy. Card data is tokenised at capture and never reaches your servers, so your own compliance burden shrinks to a self-assessment questionnaire, not a full audit.

3D Secure 2

EMV 3DS2 shifts fraud liability to the issuer on authenticated transactions and satisfies SCA where regulation demands it. Frictionless flow passes low-risk deposits without a challenge; risk-based rules decide when to step up — protection without a conversion tax on every deposit.

Scope of service

What you get

C2B pay-in across 20 local markets, the Eurozone and the UK
C2B payouts over the same rails, single or mass payout file
B2B account for settlements received from other PSPs
Settlement in local fiat, EUR or USDT
PCI DSS-compliant processing with tokenisation vault
3DS2 with configurable, risk-based challenge rules
One REST API and one set of webhooks for every rail
Mastercard business cards on your balance
Named account manager and 24/7 operational support
Dashboard for reconciliation, reserve and dispute status
Benchmark

Where this lands

Payee GlobalCard acquiringOnline wallets
Payment acceptanceup to 97%~70%~85%
High-risk categoriesunderwrittencase-by-caserestricted
Traffic commissionvolume-tieredfrom 3.5%from 3%
Chargeback exposurenone on bank & local rails€30 + ratio risk€25
Setup time1 business dayfrom a weekfrom a week
Rolling reservenone on bank & local rails10% for 180 days
Payout speedfastest term per railT+3 to T+7varies
Settlement currencylocal fiat, EUR or USDTEUR / USDwallet balance
CompliancePCI DSS · 3DS2 · tokenisedPCI DSSvaries

Bank transfer and local wallet rails carry no chargeback mechanism. Card acquiring, where used, carries standard scheme reserve and chargeback terms — disclosed in writing before go-live.

Commercials

Pricing that steps down

Rates are volume-tiered and quoted per corridor — a Brazil PIX deposit and a Korean virtual account do not cost the same to run, and pricing that pretends otherwise is padded somewhere.

MONTHLY VOLUME, EUR EFFECTIVE RATE
0 – 100,000
100,001 – 300,000
300,001 – 500,000
500,001 – 700,000
700,001 – 1,000,000
1,000,001 +

Rate steps down at every band. Bars are indicative of the shape of the schedule, not the rate itself.

What's not in it

No setup fee. No monthly minimum. No security deposit. No rolling reserve on bank and local rails. Your indicative schedule is issued with the corridor approval, and the terms are fixed in writing before your first transaction.

Onboarding

Live inside a week

One integration, not one per rail. Adding a market later is a configuration change, not a new build.

Day 0

KYB and site review

Operating entity verified, each URL reviewed and approved one-to-one. High-risk categories are the expected case, not an escalation.

Day 1

Accounts open

Pay-in, payout and settlement accounts live. Credentials and sandbox issued.

Day 2–3

API integration

One REST integration covers every rail. Dedicated integration engineer assigned.

Day 4–5

Test and go live

Test transactions on each enabled corridor, then production traffic.

Approved traffic

iGaming, betting, sportsbook and forex are underwritten categories. Fraud-type merchants are refused outright and terminated on discovery — your funds are not pooled behind someone else's book.

Site-by-site approval

Every app and URL is reviewed one-to-one before it goes live. If you are an aggregator, the same standard applies to your merchants.

Terms fixed pre-launch

Reserve, settlement cycle, limits and dispute handling are agreed in writing before the first transaction. No mid-season re-pricing.

24-hour dispute SLA

Complaint evidence is submitted and assessed inside 24 hours. Funds on a disputed order are held, then released on a successful appeal.

A policed book

Fraud-type merchants are refused, and terminated with funds frozen on discovery. That standard is what keeps the rails open for everyone on them.

Start here

Send us your two
worst-performing
corridors.

We come back within 24 hours with achievable approval rates, settlement terms and commercials for those exact markets — before you sign anything.

TELEGRAM@johnlokee

Live corridor status and full rate card on request.