Card acquiring for complex, high-scrutiny businesses.
We arrange card acquiring relationships for businesses operating in regulated, high-volume, or complex risk profiles — including merchants frequently misclassified, de-risked, or declined by mainstream providers.
Through our network of tier-1, specialist, and regional acquirers, we structure processing across multiple MIDs, jurisdictions, and currencies — with attention to authorization rates, descriptor strategy, reserve terms, and chargeback exposure from day one.
Where appropriate, we build acquiring redundancy through PSP fallback routing and multi-entity structures, so a single MID decision or vertical re-classification never interrupts settlement.
Verticals where acquiring decisions, descriptor strategy, and reserve terms materially shape unit economics.
Forex & CFD brokers
Licensed brokers requiring deposit acquiring with FX-aware risk teams and clean settlement.
iGaming operators
Licensed casino, sportsbook, and lottery operators with MCC 7995 / 7800 processing needs.
Crypto & digital asset businesses
VASPs, exchanges, and on/off-ramp operators requiring card rails into fiat.
Affiliate networks
Performance and lead-gen networks with complex billing descriptors and payout flows.
High-volume e-commerce
Cross-border retailers needing improved authorization rates and acquiring redundancy.
Nutraceuticals & supplements
Subscription and continuity merchants requiring specialist underwriting.
Subscription merchants
Recurring-billing models with rebill, dunning, and chargeback management requirements.
Cross-border marketplaces
Multi-seller platforms requiring split settlement and sub-merchant onboarding.
We review your model, jurisdictions, volumes, and risk profile under mutual NDA — including reserve appetite and descriptor requirements.
We design the acquiring structure — single MID, multi-MID diversification, or PSP-aggregated — matched to geography, currency, and authorization corridors.
We pre-qualify and introduce you to acquirers with stated appetite for your vertical, and coordinate underwriting and reserve negotiation.
We support technical integration, descriptor setup, fallback routing, and go-live across primary and redundant acquiring rails.
Operational banking
Business Banking
Operational accounts, multi-currency IBANs, and treasury access in challenging jurisdictions.
Infrastructure
Treasury & Settlement
FX, netting, and settlement workflows across entities, currencies, and rails.
Infrastructure
Cross-Border Infrastructure
International payouts, collections, and FX through correspondent and fintech rails.
Availability depends on licensing jurisdiction, compliance profile, processing history, and partner underwriting.
Relationship-driven onboarding with direct communication and strategic consultation. Initial consultations are handled confidentially online, under mutual non-disclosure on request. In-person meetings may be arranged where appropriate.
Direct contact
For partnership and consultation inquiries: info@inoaf.com or use the confidential contact form.
Response within 24 business hours. NDA available on request.
Registered office
Vasili Michaelidi 21-23, 3026
Limassol, Cyprus
Confidentiality
All inquiries are treated confidentially. Mutual NDA available on request.
Response time
Within 24 business hours, Mon–Fri (CET).