Stripe alternative
The Stripe alternative for high-risk businesses
Stripe closes accounts it sees as high risk, often with funds held. Payhub rebuilds your payment stack offshore with an underwriter who approves your model upfront.
One setup, three foundations
Company formation
An offshore entity incorporated for you, so your merchant account sits on a structure built for your risk profile.
Private IBAN
A private bank account with a dedicated IBAN for SEPA and wire payouts, independent of any single processor.
Chargeback protection
Chargeback prevention and dispute winning built in, so your ratios stay healthy and your account stays live.
Frequently asked questions
Why did Stripe close my account?
Stripe restricts many industries it classifies as high risk, and reviews can trigger freezes without warning. Payhub underwrites high-risk models upfront, so your business type is approved before you process.
How fast can I replace Stripe?
Once your application is approved, the full setup — company, merchant account, IBAN and gateway — is delivered as one package. Ask on Telegram for current timelines for your vertical.
Do I need a new company?
Usually yes. We form an offshore company for you as part of the setup, so the merchant account is opened on an entity suited to high-risk processing.
How do I get paid out?
Payouts land within 24 hours via USDT/USDC, SEPA to your Payhub IBAN, or international wire.