We're the placement desk between high-risk merchants and the providers that approve them.
For 12+ years Pay-Team has been the independent placement desk for high-risk businesses. We don't hold your funds or process your payments. We do something more valuable: through high-level contacts built across the industry, we know which acquirers, PSPs, EMIs, OTC desks and cross-border providers actually approve FX, crypto, iGaming and adult businesses — and we secure better rates and service from tier-1 and tier-2 providers than you'd get alone.
Free for merchants. Aligned by design.
We're paid by the providers we place business with. That means two things: getting matched costs you nothing, and we only win when you're approved and stay live — so we never push you to a provider that will drop you in a quarter.
Experienced
12+ years and thousands of placements across every high-risk vertical and market cycle.
Independent
Not tied to one provider. We map you across 50+ tier-1 & tier-2 partners and route to the best fit.
Connected
High-level contacts secure better rates, priority underwriting and service you can't get cold.
Aligned
Paid only when you're approved and retained. Your long-term stability is our business model.
What working with us looks like
Discovery
You share vertical, volume, licensing, jurisdictions and what you need first. Two minutes on the form or a chat on Telegram/WhatsApp.
Matching
We shortlist providers whose underwriting fits, so you never burn weeks on guaranteed declines or damage your profile with failed applications.
Introduction & packaging
We introduce you to decision-makers and help package your application — documents, narrative, risk story — to get approved.
Live & scaling
You go live. We stay on to add redundant MIDs, banking, new regions and payout rails as you grow.
Let's get you approved.
Tell us about your business and we'll do the matching. No cost, no obligation, fast introductions.