What does Norcapay do for high-risk merchants?

Norcapay is a London-based payments intermediary that connects medium and high-risk merchants — including FTD and retention businesses — to licensed payment providers, acquirers and PSPs. Norcapay is not a licensed PSP itself; processing is delivered by the regulated institutions it introduces.

Which payment methods and countries are covered?

Card payments (Visa and Mastercard), Apple Pay, Google Pay and local alternative payment methods across 180+ countries, including the EU, UK, Canada, Australia, New Zealand, Asia, LATAM and Africa.

How fast are settlements?

Settlement is T+7 on FTD volume and T+1 on retention volume, subject to the partner institution and merchant profile.

How can a merchant get started with Norcapay?

Merchants can submit their details at https://norcapay.com/contact, email sales@norcapay.com, or message Norcapay on Telegram at https://t.me/NORCAPAY.

Show jumping horse and rider leaping over a Norcapay branded hurdle

For Medium & High-Risk Merchants

Payments.
Without Borders.

Empowering medium- to high-risk merchants with secure, fast, and borderless payment solutions — 8+ years of expertise, $25B+ in processed transactions, and a presence in 180+ countries.

Get Started Our Solutions

Independent

We work for the merchant, not for one provider — matched to bank-grade partners.

Global

Partner network reaching customers in 180+ countries.

Fast

T+7 settlement on FTDs, T+1 on retention.

Simple

One relationship. Access to many providers.

Years in market

$25B+

Processed till now

180+

Countries served

24/7

Merchant support

Global reach

Built for a borderless
new economy.

We connect businesses to the right providers in each market, with local expertise, multi-currency support and one point of contact.

Explore coverage

180+

Countries

10K+

Businesses

150+

Currencies

European Union
United Kingdom
Canada
Australia
New Zealand
Asia Pacific
LATAM
Africa
Middle East

Security by design

Security is
our foundation.

We place you only with providers that meet bank-grade security, real-time fraud monitoring and full compliance standards.

View our security standards

Vetted partners only

We onboard you to providers with end-to-end encryption and multi-layer protection.

Real-time fraud monitoring

Partner systems that detect and prevent risks, monitored on your behalf.

Full compliance

We match you only with licensed, regulated providers aligned to global standards.

Data protection

Your data remains private, secure and protected at every step.

Always on. Always here.

99.99%

Uptime

Reliable infrastructure you can count on.

24/7

Support

Our team is available whenever you need us.

We don’t just find you a provider.
We build trust across borders.

Velocity & assurance

Clear every obstacle

Declines, cascading failures, regional rails — we take them at pace. Switching and balancing traffic across providers keeps your payments moving and settlements short.

Our solutions

Tailored payment solutions for every ambition.

From global collections to seamless payouts, we source and manage the providers that scale with your business and adapt to your needs.

Norcapay card, brass compass and orange leather goods arranged on cream linen

Global Collections

Accept payments in 150+ currencies through our network of local acquirers and providers.

Learn more about global collections

Payouts & Disbursements

Send funds globally through partner rails, with speed, transparency and minimal complexity.

Learn more about payouts & disbursements

Multi-Currency Accounts

Hold, convert and manage funds in multiple currencies with the right partner institution.

Learn more about multi-currency accounts

Risk & Fraud Management

Partner monitoring and advanced protection systems, coordinated by our risk team.

Learn more about risk & fraud management

API & Integrations

One integration to reach every provider we connect you with.

Learn more about api & integrations

Our offering

Payment methods for every market

One partner connects medium and high-risk merchants to the acquirers, PSPs, wallets and local rails that convert best in each geography — supported by risk expertise built for demanding verticals.

Card Processing

Access to Visa and Mastercard acquiring built for medium and high-risk verticals, with partner routing that protects approval rates on both FTD and retention traffic.

Apple Pay & Google Pay

Native wallet checkout that removes friction at the moment of decision. One tap, biometric confirmation, materially higher conversion on mobile.

Local & Alternative Methods

Bank transfers, vouchers, open banking, e-wallets and regional rails — the methods your customers already trust in their own market.

Why partner with Norcapay

A partner you
can build on.

High-Risk Specialists

Deep expertise placing medium and high-risk merchants with the right providers.

Independent & Impartial

We are not tied to one provider — we choose what fits your traffic.

Built for Scale

Redundant provider options so volume never depends on a single connection.

Human by Nature

Real people. Real support. Real relationships.

Focused on You

Your success is our priority. We grow when you grow.

Our standard

Eight years of quiet reliability

Norcapay was built by people who understand the realities of high-risk processing: shifting regulation, sensitive traffic, and merchants who cannot afford downtime. Since day one we have grown deliberately, adding acquiring and PSP partners only where we can stand behind their performance.

Today our partner network has processed over $25 billion for FTD and retention operations worldwide, with a dedicated manager for every merchant and technical support that answers around the clock.

Let’s build what’s next.

Connect with our team and discover how Norcapay can power your global growth.

Speak to an expert Telegram

Payments.Without Borders.