Reliable High-Risk Payment Gateway in Spain
Are you running a business in one of Spain’s regulated niche industries? Then you are not alone, from fintech startups in Madrid to nutraceuticals companies in Barcelona. Many of these Spanish companies struggle to get approved for a credit card processing account. Mainstream payment processors call such merchants high risk and simply delay or decline the application.
But that is where QuadraPay steps in.
We offer scalable, fully compliant, and highly secure payment processing solutions to merchants operating in high-risk industries. QuadraPay has been helping high-risk merchants in Spain since the year 2016, and we understand how important it is for such merchants to get access to a payment solution.
Whether you are dealing with high chargebacks, subscription billing, or complex KYC requirements, our high-risk payment gateway for your Spanish business is designed to give you peace of mind and powerful tools that can help your business grow.
Just like our clients in Portugal and France, Spanish businesses can also benefit by working with our payment processing partners in the European Union.
Why Spanish Merchants Choose QuadraPay
Spain is a tech-savvy and fast-evolving market, but somehow traditional payment processors have always been cautious when it comes to supporting high-risk businesses. QuadraPay works with payment service providers and ISOs that specialise in supporting businesses in various high-risk industries.
Our goal is simple: we want to deliver fast approval, affordable rates, and industry-specific tools that can give you the edge.
we serv merchants in various industries, from Digital Service Provider to E-Commerce companies operating in regulated Industries. Our solutions have everything that you need to process credit cards in a safe manner both in Spain and also across the EU.
| Feature | Benefit for Spanish Merchants |
|---|---|
| PCI-DSS Compliant Gateway | Secure transactions powered by our partner processors |
| EU & Spain-Focused Acquirers | Faster onboarding and higher approval rates |
| AI-Powered Fraud Filters | Reduce chargebacks and boost approval ratios |
| Local Payment Support | SEPA, Sofort, Teleingreso integration |
| Developer Tools & Plugins | Easy setup with WooCommerce, Magento, Shopify, etc. |
When you compare us to traditional providers, you will know that we specialise in high-risk verticals, just like we do for clients in Andorra and Slovakia, we can offer similar services to you in Spain. With us approval isn’t an expectation, but it’s our motivation for which we work everyday.
High-Risk Industries We Support in Spain
Most of the times when banks say that your profile is high risk, it does not mean that they are turning you away as illegal; what they are trying to say is that your business operates in an industry that is financially unique and has reputational as well as credit risk concerns.
When traditional payment service providers and acquirers hesitate, then you should approach a high-risk payment processing expert.
We provide merchant accounts for high-risk businesses across Spain, from emerging crypto companies in Valencia to subscription platforms in Bilbao, our objective is to help you by utilising our existing relationship with well-known payment service providers that support high-risk businesses night and day.
| Industry | Risk Factor |
|---|---|
| Nutraceuticals / Supplements | Health claims and refund sensitivity |
| Forex, Crypto, Trading Platforms | Volatility and regulatory constraints |
| Adult Entertainment & Dating | Age verification and reputational risk |
| Subscription Box Services | Recurring billing and chargebacks |
| Online Gaming & Skill Competition (where legal) | Dispute resolution complexity |
| Debt Collection & Financial Services | Licensing and chargeback risks |
Spain is not the only country where merchants from high-risk industries face problems in getting a payment solution. Businesses across Switzerland and Norway face similar situations, and we extend our support to them.
KYC Requirements for Spanish Merchant Accounts
To get a high-risk merchant account in Spain, KYC compliance is non-negotiable; however, when you work with QuadraPay we simplify this process. We will guide you with a step-by-step action plan that will ensure that your paperwork is complete and your onboarding goes smoothly.
Whether you are based in Spain or another country like Germany or Belgium, these are all the KYC documents that you will need.
| Documentación Requerida | Propósito |
|---|---|
| Certificado de Registro Mercantil | Valida que la empresa está legalmente registrada en España o la UE |
| DNI / NIE / Pasaporte del Administrador | Confirma la identidad del propietario o directivo |
| Factura de servicios o contrato de alquiler | Verifica la dirección física (no virtual) del negocio |
| Extracto bancario o cheque anulado | Confirma la relación bancaria con entidad española o dentro de SEPA |
| Sitio web funcional | Demuestra la operatividad del negocio y presenta productos/servicios |
We are giving you a pro tip here: Do not apply for a merchant account with a virtual office. Most payment processors that we work with prefer to work with businesses that have physical offices. Your chances of getting the account approval decrease to a heavy extent if you use a virtual office.
Payment Trends in Spain (2025 Outlook)
The payment landscape in Spain is evolving rapidly; contactless and mobile payment experiences are becoming a new norm. High-risk merchants must be ready to accept multiple payment modes, and this is especially critical for those businesses that resonate with young and mobile-savvy audiences.
| Payment Method | Estimated Usage Rate | Growth Trend |
|---|---|---|
| Credit/Debit Card | Widely used | Rising, especially with contactless payments |
| SEPA Bank Transfer | Common across EU | Stable |
| Sofort | Moderately used | Growing among younger users |
| Teleingreso | Niche adoption | Consistent in specific sectors |
Just like in Italian or Dutch, merchants in Spain that support multiple payment methods see higher conversion and reduced cart abandonment.
How to Get a High-Risk Merchant Account in Spain
For a merchant, sometimes it may appear that getting a high-risk credit card processing account in Spain is a difficult task, but when you are guided by experts at QuadraPay it will become easy. Our objective is to make the application process smooth and quick for you.
| Paso | Descripción |
|---|---|
| 1. Envío de Información | Completa nuestro formulario de incorporación con los datos de tu negocio y sitio web |
| 2. Carga de Documentos | Proporciona documentos KYC y políticas del sitio web |
| 3. Revisión Interna y Asignación | Revisamos tu caso internamente y seleccionamos el proveedor más adecuado |
| 4. Conexión Directa | Te ponemos en contacto directo con el PSP/IPSP para continuar con el proceso |
| 5. Configuración de Integración | Recibes tus credenciales MID y de la pasarela de pagos |
| 6. Comienza a Aceptar Pagos | Empieza a procesar pagos en tan solo 3 a 7 días hábiles |
Need help in navigating the onboarding process our team will support you. We do it for merchants in Croatia and Estonia, and we will do it for you as well in Spain. Just apply online and we will get started.
Managing Chargebacks in Spain
Chargebacks are a leading concern for Spanish high-risk merchants. They do not only increase operational cost but can also lead to MID termination. At QuadraPay we help merchants implement better chargeback prevention strategies. Our partner processors implement tools that help businesses manage the chargeback risk well.
| Tool | Function |
|---|---|
| Dispute Management System | Receive early alerts to reduce chargebacks |
| Fraud Detection Filters | Identify and block high-risk transactions before approval |
| Transaction Monitoring | Track real-time activity to spot suspicious patterns |
Many high-risk merchants in Poland and Finland use the disadvantage chargeback alert system, and they stay below a 1% ratio. If they can do it, you can do it too.
QuadraPay: Your Trusted Partner for Spanish High-Risk Payment Solutions
QuadraPay isn’t just a gateway provider; we are your strategic partner. Our global acquirer network, fraud prevention tools, and deep understanding of the high-risk processing industry make us the ideal match for all high-risk businesses in Spain that are struggling to get approved.
Whether you are a cbd merchant or you have a vape website, you have an online dating platform, or you operate a social gaming site, we can be your growth partner.