Commercial
Cost processing stays one of many greatest issues for companies in high-risk industries. For those who run a web based gaming platform, grownup content material website, cryptocurrency change, or subscription service, you’ve doubtless confronted a irritating reality.
Common banks and cost processors typically say no to working with you earlier than you may even clarify what what you are promoting does.
This cost processing drawback creates a number of challenges without delay. These embrace restricted entry to cost options, very excessive transaction charges, frequent account freezes, too many chargebacks, and plenty of regulatory challenges.
For prime-risk retailers, discovering steady and dependable cost processing isn’t simply useful—it’s mandatory for survival.
Enter NextGen Cost, a specialised Impartial Gross sales Group (ISO) and Consulting Administration Firm made particularly to unravel this drawback.
Their mission? To attach high-risk companies with dependable cost processors, negotiate favorable phrases with banking companions, and supply the fraud prevention experience these retailers want. NextGen Cost doesn’t course of funds instantly—as a substitute, they leverage their intensive relationships with buying banks to safe steady processing options that conventional monetary establishments usually deny to those industries. These sources assist these companies succeed even in tough regulatory environments.
Key Takeaways
Business-Particular Options: NextGen Cost works with companies that different cost corporations gained’t contact. They assist corporations in gaming, grownup content material, subscriptions, and crypto markets. Proper now, they’ve helped greater than 1000 lively service provider accounts.
Banking Community Benefit: They associate with over 20 banks that course of funds. This provides their purchasers backup choices if one financial institution stops working with them. This solves the most important drawback dealing with high-risk companies—having their accounts instantly closed.
World Cost Capabilities: NextGen Cost is a wonderful matchmaker that helps high-risk retailers by linking them with banks that settle for funds from clients worldwide. They help a number of currencies and alternative ways to pay. This helps companies earn more money by reaching new clients.
ISO Experience With out Further Prices: As an Impartial Gross sales Group with deep {industry} expertise, NextGen makes use of their deep data to assist purchasers navigate the complicated banking world. They don’t add further charges on prime of what the banks cost for processing funds.
NextGen Cost At A Look
Based by Roberto Saporito, the previous World Head of HBR & Playing at Worldline, NextGen Cost brings over twenty years of cost {industry} experience to the desk.
It’s a specialised ISO centered completely on companies that conventional monetary establishments usually keep away from.
The corporate’s spectacular statistics converse volumes about their market place:
40+ years of mixed group expertise
1000+ lively service provider accounts
100+ IBAN accounts opened
20+ buying financial institution companions
Their providers are particularly tailor-made to companies in subscription providers, grownup leisure, on-line gaming, cryptocurrency, foreign currency trading, and the CBD/wellness area.
What’s an ISO? Understanding Impartial Gross sales Organizations
Earlier than trying nearer at NextGen Cost’s providers, it’s vital to grasp what an ISO (Impartial Gross sales Group) really is and why it issues for high-risk companies.
Cost processing is a fancy world, and ISOs play a key center function. An ISO is a third-party cost firm that works with banks to supply service provider account providers to companies.
Whereas banks have the cash techniques to course of funds, they typically don’t have the particular data, gross sales abilities, or willingness to instantly serve sure enterprise sorts—particularly these seen as “high-risk.”
That is the place ISOs like NextGen Cost change into invaluable. They bridge the hole between retailers and banks by:
Constructing relationships with a number of buying banks: ISOs keep partnerships with quite a few monetary establishments, giving them the flexibility to match retailers with probably the most appropriate banking associate primarily based on threat profile, {industry}, and processing wants.
Dealing with service provider setup and help: ISOs handle the client elements of cost processing, together with account setup and ongoing assist.
Managing threat and compliance: They develop specialised experience in navigating the complicated regulatory panorama of high-risk industries, serving to retailers keep compliance whereas nonetheless processing funds successfully.
Offering further providers: ISOs usually provide options like fraud prevention, dealing with disputed fees, and enterprise knowledge monitoring.
For prime-risk companies, working with a particular ISO like NextGen Cost gives a number of clear advantages over making an attempt to get processing instantly by means of banks:
Business know-how: NextGen Cost understands the distinctive issues of high-risk enterprise sorts and has made particular options to deal with them.
A number of processing selections: As an alternative of relying on only one financial institution relationship, companies get entry to a community of various banks.
Stability and continuity: If points come up with one processing relationship, the ISO can typically transition the service provider to a different resolution with out enterprise disruption.
Particular threat administration: Excessive-risk companies profit from fraud prevention and disputed cost safety instruments made particularly for his or her {industry} challenges.
Whereas common cost processors could view high-risk companies with doubt, particular ISOs perceive the actual wants of those companies. They work to create lasting cost techniques that assist everybody concerned.
Have in mind, although, that ISO like NextGen Cost doesn’t course of funds instantly—they merely construct the bridge for service provider to financial institution relationship.
Industries That Can Profit Most from NextGen Cost
NextGen Cost’s particular method gives huge benefits to companies in industries which have common issues with conventional cost processing.
Let’s take a look at the primary enterprise sorts they serve and the way their options repair industry-specific issues:
Subscription Companies (Bodily & Digital)
Business Challenges:
Excessive chargeback charges from subscription billing disputes
Advanced recurring cost administration
Buyer acquisition prices misplaced when funds fail
NextGen Options:
Safe, high-conversion cost processing designed for recurring billing
World transaction help for worldwide buyer bases
Optimized cost flows to cut back failed funds and involuntary churn
Specialised fraud prevention tailor-made to subscription enterprise fashions
Subscription-based companies—whether or not delivering bodily merchandise or digital content material—rely closely on seamless recurring funds.
NextGen Cost assist be certain that these important transactions are processed reliably whereas minimizing the chance of chargebacks that generally plague subscription retailers.
Grownup Companies, Courting, and Webcams
Business Challenges:
Widespread cost processing restrictions
Excessive threat of fraudulent transactions
Account stability points with mainstream processors
Advanced compliance necessities
NextGen Options:
Discreet, safe cost processing
Specialised threat evaluation designed for grownup content material companies
Steady service provider accounts with companions who perceive the {industry}
Compliance steerage to take care of processing relationships
Companies within the grownup leisure area face among the most extreme cost processing challenges, with many mainstream suppliers avoiding the {industry} fully.
NextGen’s specialised relationships and {industry} data present these retailers with dependable processing choices that maintain transactions flowing.
On-line Gaming and Playing
Business Challenges:
Strict regulatory necessities that fluctuate by jurisdiction
Excessive transaction volumes requiring scalable options
Advanced fraud patterns distinctive to gaming environments
Want for multi-currency help for international participant bases
NextGen Options:
Compliant cost processing aligned with gaming laws
Quick, safe cost processing for deposits and withdrawals
Multi-currency help with aggressive change charges
Gaming-specific fraud prevention instruments
The gaming and playing sectors function underneath intense regulatory scrutiny.
NextGen leverages the founder’s background in playing funds at Worldline to supply options that stability compliance necessities with the necessity for frictionless participant experiences.
Cryptocurrency and Blockchain
Business Challenges:
Restricted banking relationships for crypto-related companies
Advanced regulatory panorama with fast change
Must bridge conventional finance and blockchain environments
Excessive scrutiny from conventional monetary establishments
NextGen Options:
Banking relationships that perceive crypto enterprise fashions
Crypto cost acceptance with decrease processing charges
Prompt settlements with out conventional banking delays
Blockchain-based fraud detection to reduce transaction dangers
Cryptocurrency companies function on the intersection of conventional finance and rising blockchain know-how.
NextGen Cost’s options assist these retailers navigate each worlds, offering steady fiat processing alongside help for native crypto transactions.
International Alternate (Foreign exchange)
Business Challenges:
Excessive transaction values triggering extra scrutiny
Want for fast deposits and withdrawals
Advanced compliance necessities throughout jurisdictions
Frequent focusing on by subtle fraud makes an attempt
NextGen Options:
Safe real-time transactions for merchants
Help for a number of currencies and immediate deposits
Superior security measures and fraud prevention
Compliant processing that satisfies regulatory necessities
Foreign currency trading platforms demand cost options that may deal with high-value transactions with minimal friction.
CBD and Wellness Merchandise
Business Challenges:
Inconsistent regulatory therapy throughout areas
Frequent misclassification as high-risk by processors
Processing instability and sudden account terminations
Restricted choices for compliant cost processing
NextGen Options:
Steady service provider accounts for CBD companies
Regulatory compliance experience for evolving CBD laws
Simplified checkout expertise to spice up buyer confidence
Threat administration to take care of processing relationships
The CBD {industry} operates in a regulatory grey space in lots of jurisdictions, creating important cost processing challenges.
NextGen’s distinctive options assist these retailers keep steady cost processing whereas navigating complicated and evolving laws.
Every of those industries advantages from NextGen Cost’s centered method to high-risk service provider providers, receiving tailor-made options that handle their distinctive challenges somewhat than one-size-fits-all processing that fails to account for industry-specific wants.
NextGen Cost Companies & Options
As an alternative of offering one-size-fits-all options, NextGen Cost has developed a complete suite of providers particularly designed to deal with the distinctive challenges confronted by high-risk retailers.
These key differentiators handle probably the most urgent challenges these retailers face in sustaining steady cost processing.
Buying Companies (Service provider Accounts)
On the core of NextGen Cost’s providing is its specialised high-risk service provider account service. These accounts are particularly designed for companies that conventional banks typically reject, offering a steady basis for cost processing.
Key Advantages:
Quick Approvals: Whereas conventional service provider accounts for high-risk companies can take weeks to approve, NextGen streamlines the method with responses inside 24 hours
World Processing: Settle for funds from clients worldwide with multi-currency help
Steady Banking Relationships: Partnership with 20+ buying banks ensures processing stability even for the highest-risk verticals
Custom-made Options: Every service provider account is tailor-made to the particular {industry} necessities and enterprise mannequin
The applying course of is easy, with NextGen’s group matching companies with probably the most applicable buying banks primarily based on their threat profile, {industry}, and particular wants.
This matchmaking method considerably will increase approval charges and ensures long-term processing stability.
Cost Gateway Integration Help
NextGen Cost doesn’t have its personal cost gateway. As an alternative, it helps retailers arrange the approving financial institution’s cost gateway. This serves because the technological spine for transaction processing, providing a safe, scalable platform for accepting funds on-line, in-store, and by way of cellular.
Fraud Prevention & Chargeback Safety
One of the vital important challenges for high-risk retailers is managing fraud and chargebacks. NextGen Cost assist shield retailers from these expensive points.
Chargeback Administration:
Dispute Prevention Alerts: Early warning system for potential chargebacks
Automated Chargeback Administration: Streamlined dealing with of disputes
Representment Companies: Skilled help in combating illegitimate chargebacks
Dispute Ratio Administration: Proactive monitoring to maintain chargeback charges under important thresholds
These options are significantly priceless for subscription providers, gaming platforms, and different enterprise fashions that usually expertise excessive chargeback charges.
By stopping fraudulent transactions and effectively managing official disputes, NextGen helps retailers keep wholesome relationships with buying banks.
Banking Options (IBAN & Playing cards)
Many high-risk companies battle with primary banking operations like sending and receiving funds. NextGen Cost addresses this problem with devoted IBAN account options.
Key Benefits:
Multi-Forex Help: Maintain and switch funds in a number of currencies
Quick & Safe Transfers: Fast motion of funds with out pointless delays
Decrease Charges: Aggressive pricing in comparison with conventional banking choices
Regulatory Compliance: Accounts structured to take care of compliance with monetary laws
These banking options are significantly priceless for worldwide companies that have to handle international cost flows with out the restrictions typically imposed by conventional banks on high-risk industries.
Cryptocurrency Cost Options
Recognizing the rising significance of digital currencies, NextGen Cost gives built-in cryptocurrency cost choices for high-risk retailers.
Cryptocurrency Options:
No Chargebacks: Irreversible transactions eradicate chargeback dangers
Decrease Processing Charges: Decreased prices in comparison with conventional bank card processing
Prompt Settlements: No ready intervals for funds availability
World Attain: Settle for funds from anyplace with out regional restrictions
The platform helps widespread cryptocurrencies together with Bitcoin, Ethereum, and USDT, with real-time conversion to fiat currencies out there to reduce volatility dangers.
This hybrid method permits retailers to profit from cryptocurrency benefits whereas sustaining monetary stability.
Consulting Companies
Past technical options, NextGen Cost leverages its intensive {industry} expertise to supply strategic consulting providers for high-risk retailers.
Consulting Areas:
Cost Optimization: Methods to extend approval charges and scale back processing prices
Threat Administration: Customized approaches to reduce fraud and compliance dangers
World Growth: Steering on coming into new markets and navigating regional laws
Processor Relationships: Help in establishing and sustaining steady buying relationships
Led by founder Roberto Saporito, the consulting group brings twenty years of specialised cost experience to assist purchasers navigate the complicated high-risk cost panorama.
Business-Particular Options
Reasonably than making use of generic cost approaches to specialised industries, NextGen Cost has developed vertical-specific options that handle the distinctive challenges of every high-risk class.
For subscription companies, this implies optimized recurring billing instruments with superior retry logic and clever routing to maximise profitable fees.
Gaming operators profit from specialised fraud prevention configured for the distinctive patterns of playing transactions. Grownup leisure retailers obtain discreet processing with privacy-focused transaction descriptors.
This industry-specific method stems from deep understanding of every vertical’s distinctive cost ecosystem, leading to greater approval charges and extra steady processing relationships.
Compliance Help
Regulatory compliance represents a major problem for high-risk retailers, with necessities various by {industry} and area. NextGen Cost simplifies this complicated panorama with built-in compliance instruments and skilled steerage.
Compliance Capabilities:
KYC/AML Automation: Streamlined processes for required buyer verification
PCI-DSS Compliance: Instruments and steerage to take care of cost safety requirements
Regulatory Updates: Proactive notifications about altering necessities
Business-Particular Compliance: Specialised steerage for verticals like gaming, CBD, and grownup content material
This concentrate on compliance helps retailers keep away from the regulatory pitfalls that always result in account terminations and processing disruptions in high-risk industries.
A number of Cost Technique Help
Excessive-risk retailers profit considerably from providing clients numerous cost choices. NextGen Cost helps an intensive vary of cost strategies past conventional bank cards.
Supported Cost Strategies:
Credit score and Debit Playing cards: All main card manufacturers with optimized high-risk processing
Various Cost Strategies: Regional choices like iDEAL, Sofort, and Giropay
E-Wallets: Help for PayPal, Apple Pay, Google Pay, and others
Financial institution Transfers: Direct account-to-account cost choices
Cryptocurrencies: Bitcoin, Ethereum, and different digital currencies
This flexibility permits retailers to accommodate buyer preferences whereas decreasing dependency on any single cost methodology, creating extra steady general processing operations.
Methods to Get Began with NextGen Cost
Getting began with NextGen Cost follows a structured course of designed particularly for high-risk retailers. Their method aligns with the industry-standard steps outlined of their supplies, whereas providing customized help all through the journey.
Step 1: Pre-Qualification
Start by reaching out to NextGen Cost by means of certainly one of their contact channels:
Their official web site contact type
The corporate’s LinkedIn web page
Business-specific occasions the place their representatives incessantly attend
Direct e-mail to their gross sales or help group
Throughout this preliminary stage, you’ll submit primary enterprise and private particulars to start the assessment course of. NextGen Cost usually responds to preliminary inquiries inside 24 hours.
Step 2: Threat Analysis
NextGen Cost will conduct an intensive evaluation of what you are promoting, together with what you are promoting mannequin assessment, monetary statements, and credit score evaluation.
This helps them match you with probably the most applicable options from their community of buying banks.
Step 3: Documentation Submission
Put together and submit the required documentation, which generally consists of:
Enterprise licenses
Processing historical past (if out there)
Refund insurance policies
Web site or platform info
Possession identification
Monetary statements
Relying in your wants and the financial institution’s necessities, you’d both be requested to submit these paperwork to both your NextGen Cost account supervisor or to the financial institution’s direct submission kinds or pages.
Both approach, you’ll be guided by means of out the method.
Step 4: Reserve Settlement
To keep up stability and shield what you are promoting, NextGen Cost will work with you to ascertain a rolling reserve as a buffer towards sudden disputes.
It is a customary follow for high-risk service provider accounts and helps guarantee long-term processing stability.
Step 5: Approval
As soon as the underwriting course of is full, remaining approval usually takes 3-6 weeks.
This timeline is considerably extra environment friendly than many high-risk retailers expertise when making use of on to banks with out specialised help.
Step 6: Integration Help
After approval, NextGen Cost gives complete help through the financial institution’s cost gateway integration course of.
NextGen Cost doesn’t insert an extra third-party platform. As an alternative, they assist facilitate a direct connection between what you are promoting and the buying financial institution’s cost gateway, guaranteeing optimum efficiency and minimal intermediaries.
Ongoing Administration
NextGen Cost gives steady account administration with 24/7 availability to deal with any points that come up.
Their group of consultants gives ongoing optimization providers to take care of processing stability and enhance efficiency over time, serving to what you are promoting scale confidently in difficult industries.
Face-to-Face Meetup
For those who’d somewhat speak to NextGen Cost’s group in individual, you’re in luck, as they recurrently attend {industry} conferences, occasions, and different forms of meetups. They even associate with {industry} leaders to sponsor wonderful events like At all times Profitable by Mobidea!
These in-person alternatives mean you can focus on your particular enterprise challenges instantly with their cost consultants, construct relationships with their group, and get customized insights that may not come throughout by means of digital communications.
Watch for his or her presence at main fintech, gaming, cryptocurrency, grownup {industry} and affiliate internet marketing occasions all year long, the place they typically present consultations and demonstrations of their specialised cost options.
Watch our Interview with Roberto Saporito from NextGen Cost @ AW Dubai 2025
NextGen Cost Execs and Cons
When evaluating NextGen Cost as a possible ISO associate to your high-risk enterprise, it’s vital to grasp each their strengths and limitations.
Their specialised method gives important benefits for retailers in difficult industries, but additionally comes with sure issues that ought to issue into your decision-making course of.
Right here’s a balanced evaluation of what NextGen Cost brings to the desk:
Execs
Specialised Excessive-Threat Experience: With over 40 years of mixed group expertise particularly in high-risk industries, NextGen Cost gives unparalleled {industry} data that generic cost processors merely can’t match.
In depth Banking Community: Entry to twenty+ buying financial institution partnerships gives redundancy and stability that high-risk companies hardly ever discover elsewhere, decreasing the chance of sudden account terminations.
Fast Approval Course of: Whereas conventional service provider accounts for high-risk companies can take months to approve, NextGen streamlines the method, with preliminary responses inside 24 hours, and subsequent software and approval course of starting from two to 6 weeks.
Complete Fraud Safety: Their specialised fraud prevention instruments are tailor-made to the distinctive patterns of every high-risk {industry}, providing safety that goes past generic options.
A number of Cost Choices: Help for numerous cost strategies, together with bank cards, different funds, and cryptocurrencies, provides companies flexibility and reduces dependency on any single processing channel.
World Processing Capabilities: Multi-currency help and worldwide banking relationships make NextGen Cost splendid for companies with international buyer bases.
Devoted Account Administration: Every shopper receives customized help from managers who perceive their particular {industry} challenges.
Aggressive Processing Charges: Whereas high-risk retailers usually face greater processing charges from banks as a consequence of their {industry} classification, NextGen Cost doesn’t add further fees on prime of those financial institution charges. Their worth comes from securing the absolute best charges by means of their intensive banking relationships whereas offering specialised providers at no extra markup.
Cons
Oblique Underwriting Management: ISOs like NextGen Cost don’t have full management over underwriting or banking selections, since they depend on buying companions. Whereas NextGen Cost doesn’t instantly underwrite, its broad community of buying and banking companions permits it to match every service provider with probably the most appropriate supplier. This flexibility means they’re not tied to inflexible threat insurance policies or one-size-fits-all options—as a substitute, they advocate for his or her purchasers and discover pathways that conventional acquirers typically can’t.
Regardless of this limitation, NextGen Cost gives a compelling worth proposition for companies in high-risk industries that battle to seek out steady cost processing.
The corporate’s centered method transforms what would usually be disadvantages into strategic benefits, offering specialised options that allow progress somewhat than hinder it.
NextGen Cost Verdict
For prime-risk retailers repeatedly dealing with cost processing roadblocks, NextGen Cost gives what few others can—stability, experience, and a real path to progress.
Whereas others deal with high-risk industries as issues to keep away from, NextGen Cost has constructed its complete enterprise round fixing these particular challenges with its intensive banking community and specialised fraud safety.
Their industry-specific method transforms cost processing from a relentless battle right into a strategic benefit for companies in gaming, grownup content material, subscription providers, and different difficult verticals.
Don’t let cost limitations maintain what you are promoting again any longer—associate with NextGen Cost and switch your {industry} “threat” into your subsequent progress alternative.
Commercial
