High-risk payment
processing platform.
Standard processors shut down high-risk merchants. MIDs provides a complete payment infrastructure — proprietary gateway, multi-bank orchestration, fraud and chargeback management — built for gaming, adult, nutra, crypto and other high-risk categories.
One API integration
How the stack works together.
Five integrated layers, one integration. Each product is useful independently; together they close the operational gaps that get high-risk merchants terminated.
Orchestration
The core layer — distributes every transaction across 30+ acquiring banks, routing each to the best available bank by approval rate, geography and cost, with automatic failover.
02Payment Gateway
Accepts the payment via hosted checkout, API or SDK. PCI DSS Level 1, 3-D Secure 2.0 and tokenization built in.
03Fraud Management
Scores each transaction in real time — blocking fraud without over-blocking legitimate high-risk payments.
04Chargeback Protection
Alerts, evidence collection and representment that keep dispute ratios below card-network thresholds.
05Analytics
Real-time reporting across every layer — approval rates, decline reasons, dispute trends and payouts.
Orchestration Platform
High-risk merchants live with a risk standard businesses don't: an acquiring bank can restrict an account with little notice. Our orchestration platform distributes transactions across 30+ acquiring banks — so any single acquirer action doesn't stop your processing. Automatic failover. No code changes required.
- Multi-bank routingTransactions route to the best available acquirer by approval rate, cost, geography and card type — in real time.
- Automatic failoverWhen an acquiring bank takes action, traffic shifts instantly to backup acquirers. No manual intervention.
- Custom rules engineConfigure routing logic by MCC, card BIN, country, amount or merchant-defined rules — without touching code.
Payment Gateway
MIDs operates a proprietary payment gateway. This gives direct control over the routing logic, risk configuration and acquirer connections high-risk merchants require. Off-the-shelf gateways don't permit the customisation that high-risk processing demands.
Gateway features
- Hosted checkout
- Mobile SDKs
- 3D Secure 2.0
- Tokenization
- Card updater
Payment methods
- Credit & debit cards
- Digital wallets
- Bank transfers
- 200+ local APMs
- Crypto (via partners)
Fraud detection &
chargeback management.
High-risk merchants are primary targets for fraud and chargeback abuse. Exceeding card network thresholds — Visa 0.9%, Mastercard 1.5% — puts the entire acquiring relationship at risk. Our risk layer keeps chargeback ratios at 0.30% across the merchant portfolio.
Fraud Detection
Real-time scoring that blocks fraud without over-blocking legitimate high-risk transactions.
- Real-time transaction scoring per payment
- Device fingerprinting & velocity checks
- Customizable risk rules per category
- BIN intelligence for high-risk card types
Chargeback Protection
Dispute management that keeps you below card network thresholds — and fights the chargebacks you can win.
- Real-time chargeback alerts (Visa RDR, CDRN)
- Automated evidence package collection
- Threshold monitoring with proactive alerts
- 0.30% portfolio chargeback ratio maintained
Real-time · updates every 60s · exportable to CSV / API
Analytics & Reporting
Real-time reporting across the entire payment stack — approval rates by acquirer, decline reason codes, chargeback trends, payout tracking and revenue attribution. The data high-risk merchants need to manage acquirer relationships proactively, not reactively.
- Approval-rate monitoringTrack AR by acquirer, card type, country and period. Spot drop-offs before they become termination risks.
- Chargeback threshold trackingReal-time view of your ratio vs. Visa and Mastercard thresholds, with automated alerts.
- Payout & settlement reportsFull visibility into settlement cycles (T+3–7), reserves and payout schedules across all banks.
Developer tools
Built for developers.
REST API
Full API reference with code examples in six languages. Versioned endpoints, webhook support, idempotency keys.
SDKs
Python, PHP, Node.js, Java, Ruby. Actively maintained, type-safe, with error handling built in.
Sandbox & plugins
A full test environment with simulated acquiring responses. WooCommerce, Shopify and Magento plugins available.
Security & compliance infrastructure
Built to meet card network standards.
Infrastructure built for the requirements of high-risk merchant categories and global card network rules.
PCI DSS Level 1 Certified
3D Secure 2.0
TLS 1.3 Encryption
Tokenization
Data Residency Options
Real-Time Monitoring
Five products,
one live MID.
Tell us your merchant category, volume and current processor situation. We'll recommend the right stack — whether you need the full platform or a specific layer.