Challenge fee chargebacks, regulatory licensing, and multi-PSP routing aren't edge cases for us. They're the core of what we do. Watch how we build processing stacks that handle the unique economics of prop trading.
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The prop firm processing problem isn't just "high-risk." It's a specific set of challenges that require a specific processing architecture.
90%+ fail rates mean high chargeback exposure on non-refundable challenge fees. We structure billing descriptors, retry policies, and refund thresholds that keep dispute ratios manageable.
FCA, CySEC, ASIC, NFA/CFTC, offshore, your licensing status changes everything about how underwriters evaluate you. We know exactly what documentation each jurisdiction requires.
MT4/MT5 white-label licensing, cTrader, proprietary platforms, and we document your technology stack and execution model so underwriters understand your infrastructure.
No prop firm should process through a single gateway. We build load-balanced multi-PSP stacks with smart routing so one processor going down doesn't kill your revenue.
Your traders are worldwide. Cards, wire transfers, crypto on/off ramps, regional payment methods, and we configure multi-currency processing that matches your customer geography.
Funded account payouts, profit splits, and withdrawal processing need clean money flows. We structure payout rails that don't trigger bank compliance flags.
Prop firm chargebacks are predictable. The triggers are known. We install prevention before you process your first transaction.
Real-time chargeback alerts let you refund disputes before they hit your processor. This single integration can cut your chargeback ratio in half.
Strong customer authentication shifts liability on fraudulent transactions and eliminates friendly fraud from traders who claim they didn't make the purchase.
Multiple challenge purchases from the same device, rapid-fire signups, VPN masking, and we flag high-risk transactions before they process.
Unclear billing descriptors are the #1 cause of "I don't recognize this charge" chargebacks. We optimize your descriptor to be instantly recognizable to cardholders.
Rates vary by jurisdiction and business model. Prop firms with offshore entities may pay 5-8%, while those with established regulatory relationships can get 3.5-6%. Your licensing, processing history, and chargeback ratio all factor into your rate.
Stripe, Square, and PayPal classify forex and prop trading as prohibited categories. Their acquiring banks don't underwrite financial services with refund/chargeback risk profiles common in the challenge fee model. You need processors whose acquiring banks specifically approve trading-related businesses.
For prop firms, crypto is a strong supplementary rail. Traders already hold USDC/USDT, there's zero chargeback risk, settlement is instant, and you avoid geographic card decline issues. Most firms see 10-20% of volume shift to crypto when offered at checkout.
The challenge fee model has inherent chargeback risk because customers pay upfront and may dispute after failing. 3DS2 authentication, clear terms at checkout, and Ethoca/Verifi alert services are essential. We also help structure your refund policy to reduce friendly fraud.
Most prop firm accounts carry a 5-15% rolling reserve, especially early on. This is standard for the vertical. After 6-12 months of clean processing with low chargeback ratios, you can negotiate the reserve down or have it eliminated.
Yes, and you should. Offering local currency processing (or local payment methods like PIX, UPI, iDEAL) reduces card declines and improves conversion in key markets. Multi-currency settlement is available through most high-risk acquiring banks.
Complete the intake form and our team will architect a multi-PSP processing solution tailored to your firm's model, jurisdiction, and volume.
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