High-risk merchant account in crypto: accept USDT and TON
If your category is declined by acquirers, priced with a reserve or reviewed every quarter, an on-chain rail changes the shape of the problem. Paysell publishes what it accepts and what it never will, charges the same 0.2% whatever your segment, and reviews merchants rather than guessing about them.
- USDT and TON on the TON network
- 0.2% per payment for every category
- No rolling reserve, no chargebacks
- Rules published, not improvised
What usually goes wrong
High risk is a label, not an assessment
Acquirers classify by merchant category code, not by how you actually run the business. A gambling licence in good standing, an adult platform with a real moderation process and a broker with a regulator all get the same treatment as the worst merchant that ever shared their code. Nothing about your own record moves the decision.
The reserve costs more than the rate
A 5 to 10 percent rolling reserve held for six months is working capital taken out of the business, on top of a setup fee, a monthly minimum and a per-transaction rate written for the segment. The headline percentage is rarely what actually hurts.
The account closes without warning
A risk committee changes its appetite, an audit lands, and the cashier stops working on a Tuesday with a balance still inside. Rebuilding a payment flow under time pressure is expensive, and it happens again with the next provider that took the category quietly rather than deliberately.
Providers that promise no checks tend to vanish
An aggregator advertising that it asks nothing is telling you it also owes you nothing. The absence of rules is not freedom; it is the reason the balance is unreachable when the operator disappears. A provider that states its limits in writing is the one that can still be held to them.
How Paysell helps
The rules exist before you integrate
What Paysell accepts, what it refuses and what documents it can request are written in the Acceptable Use Policy and the verification policy, not decided after your first big week. You can read them, decide whether your business fits, and integrate knowing where the boundary is.
One rate, whatever the category
0.2% of the payment. There is no high-risk surcharge, no setup fee, no monthly minimum and no separate price for the payment page, webhooks or the dashboard. The rate is fixed when the store is registered, and network fees on incoming transfers are paid by us.
Chargebacks are structurally impossible
A confirmed transfer on the TON network cannot be recalled by the sender, by a bank or by us. That removes the dispute ratio that drives high-risk pricing in the first place, which is also why we do not hold a reserve against losses that cannot occur.
Checks at the exit, not in your way
A store starts accepting payments as soon as it is created, and the store review runs in parallel; what it opens is the ability to withdraw. Every withdrawal request then passes automated anti-fraud checks before an isolated service signs it, which is where stolen funds and sanctioned addresses are actually stopped.
Where it fits
Integration in minutes
The same integration as every other merchant
There is no separate high-risk product. Create a store, take its API key, and call one endpoint to issue an invoice; send the buyer to the hosted payment page or render the address yourself, and act on the HMAC-signed webhook about a minute later. Several brands can live as separate stores under one account with 2FA, session control and team roles, and support tickets are answered by a person rather than a form.
Full API referencecurl -X POST https://paysell.me/api/merchant/v1/invoices \
-H "Authorization: Bearer sk_live_..." \
-H "Content-Type: application/json" \
-d '{"asset":"USDT_TON","amount":"25","order_id":"order-1042"}'{
"invoice_id": "12c22c1a-a496-4c1e-abe3-72661ef8706e",
"payment_url": "https://paysell.me/pay/12c22c1a-a496-4c1e-abe3-72661ef8706e",
"asset": "USDT_TON",
"amount": "25",
"status": "pending",
"expires_at": "2026-09-06T17:20:55Z"
}Pricing at a glance
One rate for every payment, whatever you sell and wherever your customer is.
Withdraw to any TON wallet in a couple of clicks from the dashboard.
What we accept, and what we will never accept
High risk means a category that needs a closer look, not a category we take blindly: regulated businesses must hold the licence or registration their activity requires, and merchant verification asks for the entity, the licence where one applies and the domains involved (Merchant Verification (KYC/KYB) Policy). Accounts in sensitive categories go through an enhanced review before withdrawals are opened, and Paysell may request documents at any point in the relationship. Some things are refused absolutely and are not negotiable at any volume: child sexual abuse material, drug marketplaces, weapons and explosives, fraud and scam operations including phishing and fake shops, money laundering and the movement of stolen funds, ransomware and malware, human trafficking, and anything involving sanctioned persons, entities or territories. The complete list is in the Acceptable Use Policy (Acceptable Use Policy and Prohibited Businesses), and the places we do not serve are at Restricted Jurisdictions. Paysell may decline an application or close an account at its discretion, and reports what the law requires it to report.
Questions
What is a high-risk merchant account?
It is a payment account for a business a bank or card acquirer considers likely to produce disputes, regulatory attention or reputational exposure. In practice it means gambling, adult, brokerage, dating, VPN and similar categories, and it usually comes with a higher rate, a rolling reserve and periodic re-reviews.
Why do banks refuse high-risk businesses?
Because the decision is made by category rather than by merchant. Card schemes set chargeback thresholds and compliance programmes per segment, and an acquirer that underwrites a whole category carries the cost of its worst members. Declining the segment is cheaper for the bank than assessing each business inside it.
Does Paysell accept high-risk merchants?
Yes, after review. Licensed iGaming, adult platforms, brokers, dating, VPN and hosting and Web3 projects are all accepted categories, provided the business holds whatever licence its activity requires and stays inside the Acceptable Use Policy. Sensitive categories get an enhanced review before withdrawals are opened.
What is prohibited outright?
Child sexual abuse material, drug marketplaces, weapons and explosives, fraud and scam schemes, money laundering and stolen funds, ransomware and malware, human trafficking, and anything touching sanctioned persons, entities or territories. These are absolute limits: no volume, licence or explanation changes them.
Do you charge more for high-risk categories?
No. The rate is 0.2% of each payment for every merchant, fixed when your store is registered, with nothing at signup and nothing monthly. Withdrawal costs a flat 0.7 USDT or 0.52 TON, and there is no rolling reserve on any category.
Will my funds be frozen while you review something?
Your balance is credited normally and is yours; what a check affects is the release of a withdrawal. Every withdrawal request passes automated anti-fraud checks before it is signed, and occasional atypical deposits may go through an additional check before crediting.
Do you verify merchants at all?
Yes. A store can accept payments as soon as it is created, while the store review runs in parallel, and passing it is what opens withdrawals. Paysell may ask for verification and supporting documents, as any payment service does; withdrawals open once they are provided.
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