What Is a High-Risk Merchant Account in Israel?
A high-risk merchant account in Israel is a specialised credit card processing solution that is made for businesses that operate in industries that have elevated regulatory scrutiny, high chargeback rates, and complex cross-border transaction requirements.
If your business has applied for a merchant account to local acquirers and your application has been declined, or if you are struggling with high chargeback ratio, then you definitely should explore high-risk merchant accounts in israel. With these specialized accounts, you will be able to accept credit and debit cards on your ecommerce website as well as mobile application.
“סיכון גבוה? פתרון חכם.”
High risk? Smart solution.
Why Many Israeli Businesses Are Often Classified as “High Risk By International Processors
It is a well-known fact that Israeli entrepreneurs are tech savvy and international oriented. Many of such entrepreneurs operate in Industries like Crypto, blockchain, Forex trading, CFDs, Online gaming, nutraceuticals, supplements dating, peptides, cigars, Pharma , adult content, Online coaching, webinars, and ai products. However, when it comes to credit card processing operating all the above-listed Industries are considered high risk. Merchants operating in such industries should only approach high-risk payment solution providers.
“העסק שלך לא צריך גבולות.”
Your business needs no borders.
| Risk Factor | Explanation |
|---|---|
| High chargeback ratio | Common in industries with buyer’s remorse or recurring billing. |
| Cross-border transactions | Foreign exchange, currency risk, and AML regulations. |
| Reputation risk | Sensitive verticals (e.g., adult, crypto) are more heavily scrutinized. |
| Lack of banking transparency | Startups or new businesses may lack payment history. |
| Product type | Digital goods, info-products, or subscription models are often considered high risk. |
What You Get with a High-Risk Merchant Account in Israel
When it comes to running a high-risk business in Israel, having the right payment solution provider is non-negotiable. Remember, a high-risk merchant account empowers businesses to accept payments from global markets and manage the risk efficiently. It allows your business to scale without limits. Whether you are in the igaming, forex, nutraceuticals, adult services, or other high-risk sectors, the right merchant account will help you to experience safer payment processing with a high approval ratio and international flexibility. Here we have presented to you the breakdown of the powerful features that you will get with our solutions.
“מוכנים לצמיחה בינלאומית?”
Ready for global growth?
| Feature | Description |
|---|---|
| Multi-currency support | Accept payments in ILS, USD, EUR, GBP, and more. |
| High-volume processing | Handle up to $10M/month for eligible businesses. |
| Advanced fraud tools | Real-time risk scoring, chargeback alerts, and 3D Secure 2.0. |
| Rolling reserves | Customizable reserve structures to secure your account. |
| Payment gateway integration | Connect with Shopify, Wix, WooCommerce, and custom APIs. |
| Offshore options | Optional setups in the EU, USA, UK, and more for international reach. |
| Local + global card acceptance | All Major cards and regional APMs. |
Supported Countries & Markets
Your business may be based in Israel, but your ambitions are global, and that is why we specialize in high-risk merchant solutions and help you go beyond borders whether you are targeting customers in North America, Europe, Asia, or the Middle East. We can help your israeli company accept payments online. Our solutions are powered by acquirers that offer payment acceptance from multiple countries, starting from the United States to the UAE and from Europe to Australia wherever you customers are, you can potentially accept the payments from them by using our solutions.
“אושרתם? עכשיו תכבשו שווקים.”
Approved? Now conquer markets.
Popular High-Risk Merchant Account Jurisdictions
- United States
- United Kingdom
- Canada
- European Union
- Australia
- India
- United Arab Emirates
- Singapore
- South Africa
Supported High-Risk Industries in Israel
Not all merchant service providers understand the unique risk profile of various Israeli industries, but we do. Our high-risk payment solutions are built for businesses operating in Tel Aviv, Herzliya, Jerusalem, and beyond. Our payment solutions are beneficial for businesses operating in industries that have certain restrictions, for example, crypto exchanges, adult subscription sites, eLearning platforms, or online coaching platforms. Our team will ensure that you get the right payment processing infrastructure, which can accommodate your global transaction processing requirements.
Remember, high risk should not mean high hessal. When you are working with a provider that knows your industry Inside Out then you can save a lot of time. We support a wide range of Israeli businesses across regulated and innovative sectors, from Forex trading platforms to CBD and eCommerce businesses and from international webinars to online streaming services we help you accept payments at low rates and without complexities.
“המסלול המהיר לאישור תשלומים בישראל.”
The fast lane to payment approval in Israel.
Top Supported Verticals
| Industry | Local Application |
|---|---|
| Cryptocurrency exchanges & wallets | Tel Aviv, Herzliya-based blockchain companies |
| Forex related companies | Online training platforms targeting global users |
| Online gaming | Hebrew/English online gaming platforms |
| Adult content & cam sites | Subscriptions, digital sales, fan platforms |
| Nutraceuticals & supplements | Israeli e-commerce supplement companies |
| CBD & Vape | Such products are marketed globally |
| Online coaching/seminars | Hebrew or English webinar/course platforms |
| eLearning & SaaS | Subscription platforms with recurring billing |
| Dating apps & matchmaking sites | Both domestic and international audiences |
| Ticketing, travel, and experiences | Especially those with prepayments and long cancellation windows |
Application Requirements for Israeli Businesses
Getting approved for a merchant account in Israel should not be complicated. With the right documentation and a fully compliant website, most businesses can move through the approval process very quickly. Especially when they work with an experienced provider like QuadraPay.
Whether you company is registered in Israel or is registered at Offshore location by being prepared with the correct paper work you can significantly improve your approval chances and also speed up the integration process. The following is the checklist of essential documents that you will need to submit to get the approval of a high-risk payment gateway and merchant account in Israel.
| Required Document | Notes |
|---|---|
| Company registration (Ltd., Amutah, etc.) | Must be legally registered in Israel or offshore. |
| Bank account | Must be in business name (ILS or USD accepted). |
| Website with full compliance | SSL, Privacy Policy, Terms, Refunds, Contact Info |
| KYC documents | Passport, business utility bill, articles of incorporation |
| Estimated transaction volume | Optional but recommended for tailored offers |
Local Challenges in the Israeli Payment Ecosystem
While Israel is a global leader when it comes to technology innovation, high-risk merchants often face stringent barriers when they approach low-risk payment processors. Traditional banks like Leumi and Hapoalim prefer to work with merchants with clean profiles with minimum risk exposure, which is fine as per their internal protocols. However, it is important to know that many high-risk merchants are fully legal, and they comply with all the required guidelines still because of the industry, they are generally declined by most conventional payment processors and acquiring banks.
By understanding following challenges, you will be able to better prepare for your application approval process.
High-risk businesses in Israel need more than just a basic payment setup; they need smart, adaptive tools that align with a business model, risk profile, and global customer base. That is why we offer a comprehensive suite of custom payment features that are built specifically for high-risk merchants. Whether you are managing subscriptions, processing Moto transactions or operating in a volatile chargeback environment, our advanced multi-currency processing solution with built-in fraud filters will help you to easily process credit card transactions.
Custom Payment Features for High-Risk Israeli Merchants
| Feature | Advantage |
|---|---|
| Subscription billing | Ideal for SaaS, eLearning, dating |
| Custom fraud rules | Set chargeback thresholds and velocity checks. |
| MCC tuning | Merchant Category Code setup based on your vertical |
| Virtual terminal access | Accept manual payments or MOTO transactions. |
| Chargeback alerts | Get real-time notifications for disputes. |
| Multi-gateway routing | Maximize acceptance and uptime by routing through various gateways. |
Growth Use Case: Tel Aviv Crypto Exchange (Example)
The following example highlights how high-risk payment processing account can help Israel-based businesses achieve exponential growth even in regulated industries.
A prop trading firm with founders from Israel was struggling to get a merchant account approved through local banks and payment processors. Despite having all the KYC documents and fully compliant websites, their applications were rejected. This was because of the risk associated with the Forex industry and no previous payment processing experience.
We recommended the merchant to set up a company in Europe and then apply to a high risk payment processors based in the UK. This was not an easy initiative for the merchant, but they were reasonable and they created a company in the UK with the local director and local physical office.
We were able to get the merchant approved through a local payment service provider in the UK that widely supports prop trading as well as other difficult Industries including cbd, vape, adult toys, and adult dating. Now the merchant is able to accept payments from most countries in the world with a multi-currency gateway.
Results from this example use case included:
- The Merchant was able to achieve 400% growth in monthly sales volume within 6 months. This was supported by the merchants marketing budget.
- The Merchant was maintaining the chargeback ratio under 1%.
- With smooth Credit Card processing the merchant was able to generate trust among its customers.
This scenario demonstrates how a high-risk merchant account solution can help Israel-based businesses that are generally declined by local processors and acquiring banks.
FAQs: High-Risk Merchant Account in Israel
Can a startup in Israel get approved for high-risk processing?
Yes, start-ups can definitely apply, but remember, you must have a solid business plan, full KYC documents, and a fully compliant website.
Do you offer ILS processing?
Yes, alongside USD, EUR, GBP, and more.
Can I use the same account to accept international payments?
Absolutely. You can.
Do I need an offshore company?
Not always, but some high-risk verticals benefit from EU, UAE, or UK entities for compliance and approval purposes.
Ready to start accepting payments even in a high-risk industry?
Request your free high-risk merchant account consultation for Israel today.
External Resources
Bank of Israel: Supervision of Payment Systems