Payment infrastructure for the businesses banks turn away.
Northvault gives high-risk merchants stable card processing, intelligent multi-acquirer routing, and chargeback protection — with approval rates the legacy processors simply can't match.
& Receive Payouts
The Same Day.
Without random bans, suspensions, holds or waiting weeks to go live.
Routing across a global network of acquiring banks
Verticals other processors decline
Underwriting that actually understands your business model — and acquiring relationships built specifically for it.
Compliant nutra & botanical sales
Supplements & subscriptions
iGaming, skill & sweepstakes
Brokers, prop firms, signals
Exchanges & fiat gateways
Recurring & continuity billing
OTAs, events, deferred delivery
Vape, dating, debt relief & more
Everything you need to stay live and get paid
One integration. Redundant acquiring, smart routing, and risk tooling working together to protect every transaction.
Smart cascading routing
When one acquirer declines, Northvault instantly re-attempts the transaction across your bank network in milliseconds — recovering revenue from false declines and lifting approval rates by double digits.
Chargeback & fraud shield
Pre-dispute alerts (Ethoca & Verifi), 3DS2, and ML scoring keep your ratios under threshold and your MIDs healthy.
Fast global payouts
Daily settlements in 130+ currencies. Transparent reserves and rolling-release schedules you can actually plan around.
Multi-acquirer redundancy
Redundant MIDs across multiple banks mean you never go dark — load-balance volume and stay processing through any single point of failure.
Developer-first API & real-time dashboard
One REST API, drop-in hosted checkout, and webhooks for every event. Watch transactions, disputes, payouts, and reserves update live in your dashboard.
Real payouts. Not an offramp workaround.
Your customers pay normally with cards — just like any standard checkout. On your side, you choose how you get paid.
Bank transfer
Fiat payouts straight to your business bank account, on the same day funds are processed.
Crypto payouts
USDT, BTC or ETH to your wallet — bypass banking bottlenecks and access cash flow instantly.
You're not forced into crypto. You're not locked into banks. You control how your money moves.
From application to first charge in days, not months
Apply
Tell us about your business and processing history. The application takes about ten minutes.
Underwrite
Our in-house risk team reviews your file and matches you to the right acquirers — typically within 24 hours.
Process
Integrate the API or hosted checkout, go live, and start accepting payments with full routing & risk tooling.
A clean API you can integrate today
Tokenize once and charge anywhere. Idempotent requests, predictable errors, and webhooks for every lifecycle event — so your engineers ship in an afternoon, not a quarter.
- Drop-in hosted checkout & embeddable elements
- SDKs for Node, PHP, Python & Go
- Signed webhooks & full sandbox environment
# Create a charge with automatic cascading
curl https://api.northvault.io/v1/charges \
-u sk_live_3f9a…: \
-d amount=8900 \
-d currency=usd \
-d source=tok_visa \
-d cascade=true
{
"id": "ch_1QspeedrunXYZ",
"status": "approved",
"acquirer": "stronghold_bank",
"cascade_step": 2,
"risk_score": 0.07
}Bank-grade by default
Every transaction is encrypted, tokenized, and monitored. We carry the certifications your acquirers and your customers expect — so compliance never blocks your launch.
Service-provider certified
Frictionless SCA
Cards never touch you
In transit & at rest
Audited controls
Real-time anomaly alerts
Rates that match your risk profile
No hidden fees. Final pricing is set by underwriting based on your vertical, volume, and history.
Growth
New & scaling high-risk merchants
per successful transaction
- Single dedicated MID
- Hosted checkout & API
- Standard chargeback alerts
- Email support
Scale
Established merchants & multi-MID
volume-based interchange++
- Multi-acquirer cascading routing
- Redundant MIDs & load balancing
- Full chargeback & fraud suite
- Dedicated account manager
Enterprise
$5M+ monthly & global volume
bespoke commercial terms
- Custom acquiring relationships
- Dedicated underwriting team
- 99.99% uptime SLA
- 24/7 priority support
Merchants who stopped getting shut down
"We'd been terminated by two processors in a year. Northvault underwrote us in a day and the cascading routing took our approval rate from 71% to 93%. Game changer."
"The chargeback alerts alone paid for the platform. Our dispute ratio dropped below 0.5% and our MIDs have stayed healthy ever since."
"Redundant MIDs across three banks mean we never go offline on a Friday night anymore. For a gaming operator, that uptime is everything."
Questions, answered
Card networks and banks classify certain industries as higher-risk due to chargeback exposure, regulation, or delivery timelines — think nutra, CBD, gaming, forex, crypto, subscriptions, travel and adult. If you've been declined or terminated elsewhere, you're exactly who we underwrite.
Most complete applications receive an underwriting decision within 24 hours. Once approved, integration and go-live typically take a few business days depending on your stack.
We work to keep merchants under the card-network thresholds (generally below 1%). Our pre-dispute alerting and fraud scoring are built specifically to keep your ratios in the safe zone — even in volatile verticals.
Yes. On Scale and Enterprise we provision redundant MIDs across multiple acquiring banks and load-balance your volume — so a single MID issue never takes you fully offline.
Reserve terms depend on your vertical and history and are set during underwriting. We're transparent about the percentage and release schedule up front — and revisit them as you build a track record with us.
Our REST API and hosted checkout work with any stack, and we offer plugins for the major carts. SDKs are available for Node, PHP, Python and Go, plus signed webhooks for everything.
Start your application
Tell us a little about your business and one of our underwriters will reach out — usually the same day.
- Setup fees quoted up front — no surprises
- Decision in ~24 hours
- Dedicated human underwriter
Who you are and what you sell — 60 seconds.
Volume, ticket size, history — honest numbers approve faster.
Get your reference number — an underwriter replies in ~24h.
Takes ~4 minutes · 256-bit encrypted · never shared