Inclusive risk coverage and moderate pricing on a high-risk-tolerant rail. Plus a coordinated fiat-FX-crypto framework that mainstream EMIs and crypto fintechs don't deliver under one roof.
NovoBill serves the full risk spectrum — including online gaming where legal, digital content and subscriptions, creator platforms, affiliate networks, and crypto-adjacent merchants — while maintaining compliance-first onboarding. KYB, KYC, source-of-funds, sanctions screening, and ongoing monitoring are sized to the risk profile of each vertical.
Why it matters: banks and mainstream EMIs decline or offboard the verticals NovoBill is designed for. We win clients competitors routinely turn away.
See the verticals we servePer-transfer fees plus a transparent FX spread. Firm rates at instruction. No hidden FX markup. Stable take rates as volumes grow. Price points stay competitive against mainstream EMIs while accepting the risk profiles those EMIs decline — and well below the headline rates of niche high-risk specialists.
Why it matters: if you're being charged 10–15% by a niche high-risk processor with a rolling reserve, you're overpaying for the risk acceptance. NovoBill closes that gap.
See how pricing worksInternational transfers, FX conversion, virtual-currency operations, and merchant settlement coordinated under one operational framework — through licensed banks, EMIs/PSPs, and registered crypto partners. One ledger, one compliance contact, one set of statements.
Dynamic risk assessment, full KYC/AML screening, and documented sources of funds enable efficient onboarding without compromising standards. This is critical for higher-risk verticals where slow or opaque compliance kills deals.
Leveraging regulated partners for banking, processing, FX, and crypto shortens time-to-market and broadens corridor coverage without building every rail in-house.
Multi-currency support, custom sub-account management, and dedicated client compliance handling support monthly client volumes typically in the €100k–€500k range, with room for larger enterprise cases.
Mid- and high-risk online businesses struggle to open and keep accounts. Banks and mainstream EMIs decline or offboard sectors such as iGaming where legal and digital content. Onboarding is slow, requirements unclear, and re-reviews create downtime.
FX quotes change without notice and fees are buried in spreads. Clients need a firm rate at instruction, a visible all-in quote, and execution that matches the quote.
Providers lack reach in priority regions or have fragmented crypto processes. NovoBill provides broad corridor coverage and a coordinated fiat-FX-crypto workflow with clear roles.
Multiple PSPs and payout rails create reconciliation gaps. Finance teams need statements they can trust, downloadable ledgers, invoice and reference mapping, and named contacts.
Generic ticketing and slow responses raise risk. Clients need named points of contact, defined response times, and clear escalation paths for compliance and operations.
Payouts to suppliers, platforms, and creators get delayed by approval queues, manual checks, and limited cut-offs. Clients need predictable settlement times, confirmation of credit, and clear incident handling.
These are the providers prospective merchants actually consider. We're built to sit between mainstream EMIs (cheaper but won't take the risk) and niche high-risk specialists (will take the risk but charge 10–15% with rolling reserves).
Examples: Wise Business, Payoneer, Revolut Business, Airwallex.
Examples: Mercuryo, Transak, MoonPay, Ramp Network.
Examples: NETBilling, CCBill, Segpay.