Who We Work With
The high-risk industries we get banked
Each vertical carries its own bank declines, licence regimes and reserve terms. We do not treat high-risk as one problem. Pick the sector that is yours and read the version of the problem you actually have.
High-risk is a category, not a verdict on your business
Mainstream banks decline these sectors by merchant category, not by merit. A clean, licensed, well-run operator gets the same automated no as a fraudulent one, because the category is what the risk engine sees first. High-risk does not mean illegal. It means you need someone who knows which institutions actually say yes, and how to put your file in front of them.
Four verticals, and what breaks in each
iGaming & betting
Well-troddenThe problem. Most banks reject gambling businesses on sight because of the merchant category, long before anyone reads your licence.
What we do. We pre-vet your licence and compliance file, then place you with institutions that actually bank regulated gaming, usually within a couple of weeks.
See the verticalAdult & dating
DiscreetThe problem. Adult and dating operators get quietly declined or offboarded on reputational grounds, even when the business is fully legal and well run.
What we do. We arrange discreet, compliant business banking with institutions that understand the sector, and we handle it without fuss.
See the verticalCrypto & Web3
Post-MiCAThe problem. Since MiCA, banks are more cautious than ever about crypto, and most will not touch you without seeing your registration and source-of-funds controls.
What we do. We match your VASP, CASP or MiCA position to banks with the right risk appetite and prepare the file so it clears due diligence.
See the verticalForex & trading
Onshore + offshoreThe problem. Offshore-licensed brokers are treated as high-risk and struggle to hold banking that respects client-money segregation.
What we do. We place operating and client-money-aware accounts with institutions comfortable with your licence, onshore or offshore.
See the verticalDo not see your sector? If your business is legal and licensed, ask anyway. We take on adjacent high-risk cases when the banking problem is one we know how to solve.
The four verticals, side by side
| Vertical | Why mainstream banks decline it | Licence we expect to see | What we place (banking-led) | Typical timeline |
|---|---|---|---|---|
| iGaming & betting | MCC 7995 blanket-declines; chargeback and AML exposure; licence and jurisdiction scrutiny. | A recognised gaming licence (MGA, Curaçao, Anjouan or equivalent) plus AML and responsible-gaming policies. | Multi-currency business bank and EMI accounts; settlement and payout banking; guidance where acquiring is needed. | From ~2 weeks, once documents are complete |
| Adult & dating | Reputational and policy exclusion; high chargeback and refund rates; content-risk classification. | Company substance and clear ownership; age-verification and content-compliance controls; clean AML posture. | Discreet business banking and EMI accounts; payout and settlement banking; multi-currency handling. | From ~2-3 weeks; discretion prioritised |
| Crypto & Web3 | VASP and CASP risk appetite; source-of-funds and on/off-ramp concerns; post-MiCA caution. | VASP/CASP registration or MiCA authorisation, or a credible path to it; source-of-funds and travel-rule controls. | Fiat business and EMI accounts for on/off-ramp and operations; banking matched to your registration. | From ~2-4 weeks, by registration maturity |
| Forex & trading | Offshore-licence resistance; client-money segregation expectations; enhanced due diligence. | A forex or brokerage licence, onshore or offshore, with client-money segregation and ongoing reporting. | Operating and client-money-aware banking and EMI accounts; multi-currency settlement. | From ~2-4 weeks; offshore takes longer |
Ranges assume complete documentation and a workable licence position. We tell you honestly before we start if your case will take longer or needs fixing first. All banking is provided by third-party regulated institutions; BankMyCapital introduces and prepares the file, it does not hold funds.
Banking first, across every vertical
Bank & EMI accounts
Our core work: business, operating and multi-currency accounts placed with institutions that keep them open, not just the ones that say yes once.
Licensing support
The licences that make banking possible, sequenced so banking follows the licence rather than fights it.
Payout & settlement banking
Accounts built for how high-risk money actually moves, with redundancy so one offboarding slows you down instead of stopping you.
We are not a PSP
We lead with banking, not card acquiring. Where acquiring is genuinely needed, we introduce a vetted partner on referral. Banking comes first.
From your file to a live account
Case analysis
You tell us the vertical, the licence and where it hurts. We read the file the way a bank will, not the way a brochure would.
Pre-approval
We check your case against our partner network before you apply, so you do not burn an application on an institution that was always going to say no.
Submission
We prepare and submit the file to the institution whose risk appetite fits, with the evidence it wants presented up front.
Account live
The account opens. If a bank declines, we adjust the file and reapply rather than walk away.
Why operators bring us the hard cases
The verdict first
We tell you who is likely to say yes before you apply, or we tell you honestly that we cannot help, in writing, for free.
Banking-led, not acquiring
Bank accounts and EMI come first. We are a consultancy, not a processor, and we never misrepresent your MCC to get you approved.
Transparent pricing
A fixed onboarding fee, stated before you commit. No open-ended retainers, and no guarantees no honest firm can make.
We reapply, not walk away
A decline is usually a documentation or matching problem, not a dead end. We fix the file and route you again.
Frequently asked questions
Do you work with unlicensed operators?
Generally no. Banks and EMIs expect a recognised licence for your activity, and we will not put a file in front of them that we know will be declined. If you are pre-licence, we will tell you what to fix first, and we can point you toward licensing support.
Which vertical is hardest to bank?
It varies by case more than by sector, but adult and early-stage crypto tend to draw the most caution: adult on reputational grounds, crypto on source-of-funds and registration. iGaming and forex are well-trodden for us once the licence and compliance file are in order.
Are you a payment processor or PSP?
No. We are a boutique consultancy that gets high-risk businesses banked. We lead with bank accounts, EMI accounts and licensing support, and all banking is provided by third-party regulated institutions. Where card acquiring is genuinely needed we point you in the right direction, but banking comes first.
Do you guarantee approval?
No honest firm can. What we do is pre-vet your case against our partner network before submitting, so you are not wasting applications, and if a bank declines we adjust the file and reapply rather than walk away.
How long does it take, and what does it cost?
Once your documents are complete, most placements move within about two to four weeks depending on vertical and jurisdiction. Pricing starts from a fixed onboarding fee, and we are transparent about it before you commit.
Can you help if I have already been rejected elsewhere?
Yes, that is most of what we do. A prior rejection is usually a documentation or matching problem, not a dead end. We review why it happened and route you to an institution whose risk appetite fits.
We tell you who is likely to say yes. Before you apply.
Free pre-approval check
Tell us where it hurts. A written read on your options in 48 hours.