High-risk merchant & payments · UAE
Merchant accounts for high-risk business.
Merchant accounts, payment processing and business banking for high-risk and hard-to-place industries. Vault Money connects businesses that mainstream banks turn away to a network of regulated partners who can actually support them.
When the bank says no, you still need to get paid
Plenty of legitimate, licensed businesses are labelled “high-risk” by mainstream banks and processors — forex and crypto firms, gaming, travel, nutraceuticals, and other hard-to-place sectors — and find themselves without a merchant account, a payment processor or a business bank account. The problem is rarely the business; it is that generalist banks don't want the category.
Vault Money helps high-risk businesses access merchant accounts, payment processing and multi-currency banking through a network of regulated, licensed partners that specialise in these sectors. We map your business to the right counterparty, so you can accept payments, hold funds and move money across borders without your account being frozen or offboarded.
How we place high-risk businesses
Understand your business
We look at your sector, licensing, volumes and where mainstream providers have said no.
Match you to the right partner
We route you to regulated partners who actively support your category — not a generalist bank that will offboard you.
Set up processing & accounts
Merchant account, payment processing and multi-currency banking configured for how you actually operate.
Stay supported
A named contact for when volumes change, a new corridor opens or an issue needs a real person.
What high-risk businesses get
High-risk merchant accounts
Accept card and alternative payments through partners who support your sector.
Payment processing
High-risk payment processing and solutions built for hard-to-place categories.
Business bank accounts
Multi-currency business banking access for businesses mainstream banks decline.
Cross-border payments
Pay and get paid globally in 60+ currencies at transparent FX rates.
A category that fits
Matched to counterparties who want your business, reducing freeze and offboarding risk.
Regulated partners
Every account and processor is an independently licensed counterparty.
Who we help
Licensed businesses in sectors mainstream banks treat as high-risk — including forex and crypto, gaming, travel, and other hard-to-place categories — that need a merchant account, payment processing or a business bank account and have struggled to keep one. If a bank has declined or offboarded you, that is exactly the gap we fill.
Related: business banking, cross-border payments, foreign exchange and multi-currency accounts.
Regulated by design, in every market we operate
Vault Money is not a single company in a single country. We operate through separate, independently registered entities so that your money is handled under the rules of the jurisdiction it moves through — not routed offshore to escape them.
United Arab Emirates
Vault Money L.L.C-FZ — Meydan Free Zone licence 2643541.01, TRN 105365822300001. Our headquarters.
United States
Vault Money LLC — registered Money Services Business with FinCEN, MSB registration 31000336764029. Verify at FinCEN →
Canada
Vault Money Limited — FINTRAC MSB N300001905 and Bank of Canada RPAA payment service provider (Registered). Verify at FINTRAC →
Talk to us about your business
Tell us your sector, your licensing and what you need — a merchant account, payment processing, a business bank account, or all three. We'll tell you honestly whether we can place it and with what kind of partner.
Prefer email? Write to info@vaultmoney.io. We never share your details.
Frequently asked questions
What counts as a high-risk business?
“High-risk” is a label banks and processors apply to whole categories — forex and crypto, gaming, travel, nutraceuticals and others — usually because of chargeback or regulatory profile rather than anything wrong with your specific business. If mainstream providers keep declining or offboarding you, you are likely being treated as high-risk.
Can you set up a high-risk merchant account and payment processing?
We connect you to regulated partners who provide high-risk merchant accounts and payment processing for your sector. We do not process payments ourselves; we match you to licensed counterparties who actively support hard-to-place categories.
Can you help if my bank has already offboarded me?
Yes — that is one of the most common reasons businesses come to us. We look at why you were declined and match you to partners who support your category, so you can get a merchant account, processing or a business bank account back in place.
Which industries do you place?
Categories that mainstream banks and processors commonly treat as high-risk — including forex and CFD brokers, crypto and digital-asset firms, online gaming and gambling, travel and ticketing, nutraceuticals and supplements, and other hard-to-place sectors. If you hold the relevant licences and have struggled to keep an account, we can usually help.
How long does it take to set up a high-risk merchant account?
It varies by sector and by how complete your documentation is, but a well-prepared application to the right partner is usually far faster than repeatedly being declined by generalist banks. Your relationship manager tells you what each partner needs up front so there are no surprises.
Do you provide payment processing only, or banking too?
Both. We can place high-risk payment processing (accepting card and alternative payments), business bank accounts and multi-currency banking, and cross-border FX — separately or together, depending on what your business needs.
Is Vault Money regulated?
Vault Money operates through registered entities in the UAE (Meydan Free Zone), the US (FinCEN MSB) and Canada (FINTRAC MSB, Bank of Canada RPAA), and settles through independently licensed partners. It does not itself hold a banking licence or take title to client funds.