About Us
Redefining High-Risk. Delivering Low-Risk Peace of Mind.
At SettleCard, we don’t just process payments; we build the infrastructure for global commerce in the world’s most demanding industries. Born from a deep understanding of the complexities in High-Risk sectors, SettleCard has evolved into a comprehensive Fintech ecosystem that bridges the gap between ambitious businesses and stable, scalable financial solutions.
Our Core Solutions
We provide seamless clearing solutions across the globe. Our specialty lies in navigating "High-Risk" landscapes, offering not only competitive pricing but also Optimized Liquidity featuring lightning-fast payouts and industry-leading low reserves.
We empower employers with a fully autonomous dashboard. Issue physical and virtual cards in Europe and the Americas instantly. Once set up, the power is in your hands: manage, distribute, and track funds with zero friction.
Our issuance capabilities extend to Affiliate Networks for seamless partner payouts and iGaming Operators looking to provide players with branded, physical gift cards enhancing loyalty and brand prestige.
We provide a direct alternative to the traditional app store monopolies. With the shift in global regulations, SettleCard offers mobile developers better rates and higher margins, bypassing the restrictive fees of major tech giants.
The SettleCard Edge: Why Partners Choose Us
While industry giants often operate as passive pipelines passing transactions through rigid, "one-size-fits-all" filters, SettleCard takes a proactive stance. We don't just process payments; we fight for them. We understand that in high-stakes industries, a 1% difference in approval rates can translate into millions in revenue. Our agile infrastructure is designed to challenge the status quo, utilizing dynamic optimization to ensure that no viable transaction is left behind due to rigid, outdated systems.
Unrivaled Reliability (Seamless Cascading)
We know that for your business, downtime is not an option. Our platform utilizes intelligent routing and redundant processing paths. If one solution hits a snag, our system automatically switches to a secondary provider in milliseconds. Your customers see a "Payment Approved" message every time without ever knowing the complexity happening behind the scenes.
Rapid Onboarding
While others get bogged down in bureaucracy, we move at the speed of your business. Our deep-rooted expertise and banking relationships allow us to streamline the KYC/KYB process, presenting your business to financial institutions in the most efficient way possible to ensure fast approvals.
A Human Touch in a Digital World
Despite our advanced tech, we believe in personal accountability. At SettleCard, your money is in safe hands, backed by a dedicated team providing 24/7 personal service. We don’t just provide a platform; we provide a partnership
Our Vision
Our mission is to shift the paradigm of the High-Risk industry. We aim to transform "High-Risk" into "Low-Risk" in the eyes of our clients by providing a secure, predictable, and highly efficient environment where businesses can thrive without boundaries.
Global Acquiring & Processing
High-Risk Payments, High-Performance Results.
Don't let rigid banking systems stifle your growth. We specialize in navigating the complexities of high-risk industries, ensuring your transactions are approved, secured, and settled faster than ever before.
Our Philosophy: The Fight for Every Approval
Key features:
Stop losing sales to technical glitches or overly sensitive bank filters. Our system automatically "cascades" payments to secondary providers in milliseconds if a decline occurs.
We offer industry leading terms with aggressive payout cycles and reduced reserves, giving you the cash flow you need to reinvest in your growth.
We bridge the gap between traditional finance and the digital economy. We fully support Crypto processing and settlements, allowing you to accept digital assets and settle in USDT/USDC or Fiat, providing a borderless and censorship resistant payment experience.
Integrated AI tools that distinguish between high-value customers and potential fraud, protecting your merchant account without hurting conversion.
In the world of High-Risk, a 'Declined' message isn't just a missed sale it's a missed opportunity for growth. While others provide a passive pipe, we provide an active defense for your revenue.
The SettleCard Advantage
Global Reach
Processing in 150+ currencies with local acquiring to minimize fees.
Dedicated Human Support
Personal accountability with a dedicated account manager.
Rapid Onboarding
Our team skips the red tape to get you live and processing in record time.
Next-Gen Payroll & Card Issuance
Your Payroll, Your Control. No Intermediaries.
Empower your global talent and streamline operations with a self managed card issuance platform. Issue, fund, and manage payouts in real-time with full support for physical cards, digital wallets, and ATM access worldwide.
The Autonomous Advantage: Full Control in Your Hands
We provide the infrastructure; you provide the vision. Our autonomous dashboard ensures you manage everything independently instantly and globally.
Core Features:
The "Companion Card" Solution: Seamless Global Support
Supporting an international workforce is often complex and costly. SettleCard simplifies financial commitments for global teams and expatriates:
- Secondary Card Issuance: Issue a linked companion card for family members in their home country.
- Instant Funding: Employees can distribute funds to their family’s card in one click via the app.
- Zero Friction: No more bank queues or expensive manual transfers. Family members get immediate access to funds.
Global Compatibility: Apple Pay & Google Pay
Our cards are built for the modern world.
Whether virtual or physical, every SettleCard can be instantly added to Apple Pay and Google Pay, enabling your team to pay securely at millions of locations worldwide with a single tap.
Physical Cards with Global ATM Access
- Europe & Americas: We issue premium physical cards across Europe and the USA.
- Cash Liquidity: These cards support ATM withdrawals worldwide, ensuring your team or partners have access to cash whenever and wherever they need it.
Our Strategic Card Programs
Branded Corporate Identity & Affiliate Payouts
- Custom Branding: Issue physical cards featuring your company logo perfect for brand prestige and advertising expenses.
- High-Volume Payouts: The ideal solution for affiliate networks and iGaming operators to pay partners and players with speed and style.
Crypto Ready Funding
Load and fund card balances using Cryptocurrency (USDT/USDC). Bridge the gap between your digital assets and real-world spending seamlessly through our secure dashboard.
The Mobile Payment Revolution
The Era of App Store Monopolies is Over. Keep Your Revenue.
Why settle for 70% when you can have it all? Harness the power of alternative billing to slash commissions, accelerate payouts, and regain control over your mobile business.
The New Reality: You Have a Choice
For years, Apple and Google held the keys to your revenue. Recent global rulings have changed the game. SettleCard provides the gateway to this new freedom, offering a high performance, low-cost alternative to traditional in app purchases.
Why SettleCard is the Smarter Alternative?
Stop handing over nearly a third of your income. SettleCard offers a transparent, lean fee structure that significantly increases your bottom line. We match the reliability of the giants while drastically reducing the cost of doing business.
Apple and Google often hold your funds for 30 to 45 days. We believe your money belongs in your hands.
- Payouts every few days.
- Industry-leading low reserves.
- Fuel your growth with immediate cash flow.
Transitioning shouldn't be a headache. Our robust API is designed for seamless integration. No complex workarounds, no disruption to the user experience just a clean, secure payment flow that works alongside your existing stack.
We utilize Intelligent Retry Logic and localized payment methods that Google and Apple often overlook. By offering users their preferred way to pay and reducing transaction friction, we help you keep your subscribers longer.
The "Hidden" Advantage: Data Ownership
When a user pays through Apple or Google, they own the customer relationship. With SettleCard:
- Direct Insights: Understand your customers' buying habits.
- Direct Marketing: Own your data and build a direct relationship with your users to drive upsells and loyalty.
Get in Touch
Let's discuss how SettleCard can transform your payment processing
Reach out with any questions or to schedule a consultation. We're here to help.
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Terms of Service
1. Acceptance of Terms
By accessing or using SettleCard's services, you agree to be bound by these Terms of Service. These terms apply to all users, including developers, merchants, and end users.
2. Service Usage & User Responsibilities
- Use services only for lawful purposes and comply with all applicable laws
- Maintain accurate account information and keep credentials secure
- You are responsible for all activity under your account
- Notify us immediately of any unauthorized use
- Minimum age requirement: 18 years
- Prohibited: unauthorized access, fraudulent transactions, reverse engineering, or circumventing security measures
3. Payment Processing Terms
- Transaction Fees: All applicable fees are disclosed prior to activation and subject to change with 30 days' written notice.
- Payouts: Funds are disbursed on our standard payout schedule; reserve requirements may apply based on volume and risk profile.
- Chargebacks & Disputes: Merchants are liable for chargebacks from fraudulent or disputed transactions. SettleCard may withhold funds pending resolution.
4. Limitation of Liability
To the maximum extent permitted by law, SettleCard's total aggregate liability shall not exceed the fees paid by you in the three (3) months preceding the claim, and we are not liable for any indirect, incidental, or consequential damages.
5. Termination
Either party may terminate with 30 days' written notice. SettleCard may suspend or terminate accounts immediately for violations of these Terms, fraudulent activity, unpaid fees, or legal requirements. Outstanding settlements will be processed per your merchant agreement.
Privacy Policy
How We Protect Your Data
SettleCard is committed to protecting your privacy. This policy outlines how we collect, use, and safeguard your information when you use our services.
1. Data Collection Practices
We collect information you provide directly (account details, payment info, communications), data gathered automatically (IP addresses, device info, usage patterns), and information from third-party partners such as analytics and financial services providers.
2. How We Use Your Data
Your data helps us operate and improve SettleCard services, including processing transactions, personalizing your experience, communicating updates, ensuring legal compliance, and preventing fraud.
3. Data Protection & Security
We employ industry-standard security measures — including encryption, access controls, and regular audits — to protect your information from unauthorized access or disclosure.
4. Your Rights Regarding Your Data
- Access: Request copies of your personal data.
- Rectification: Correct inaccurate or incomplete information.
- Erasure: Ask us to delete your personal data.
- Portability: Receive your data in a machine-readable format.
- Object: Oppose certain data processing activities.
5. Data Retention
We retain your data only as long as necessary to provide services, meet legal obligations, and enforce our agreements.
6. Third-Party Sharing
We share data only with trusted partners required for service delivery or legal compliance — we never sell your data.
Cookie Policy
How We Use Cookies
This policy explains how SettleCard uses cookies and similar technologies to recognize you when you visit our websites and use our services.
1. Types of Cookies We Use
- Essential Cookies: Strictly necessary to provide core website functionality and access to secure areas. Session-based, up to 24 hours.
- Analytics Cookies: Help us understand how our website is used and how effective our marketing is. Up to 13 months.
- Marketing Cookies: Used to show more relevant advertisements based on your interests. Up to 13 months.
- Preference Cookies: Remember your choices (language, region, settings) for a more personalized experience. Up to 13 months.
2. Cookie Management & Consent
When you first visit our site, you'll be shown a cookie consent banner. By clicking "Accept All" or continuing to browse, you consent to our use of cookies as described in this policy. You can update your preferences at any time through our cookie settings.
3. How to Control Cookies
You have the right to accept or reject cookies at any time. Most web browsers allow you to manage cookie preferences through their settings — you can decline new cookies, disable existing ones, or be notified when cookies are sent to your device.
SettleCard UK Limited
SettleCard Urban Studios
TCMI, Ajeltake Rd., Ajeltake Island, Majuro, MH96960
We Fight for Every Approval. You Focus on the Growth.