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Crypto Payment Gateway for High Risk Business Crypto Payment Gateway for High Risk Business is a secure payment processor that effectively serves risky businesses. It allows you to securely accept transactions with varying levels of risk from customers across the globe.Billblend, one of the leading payment gateways in high-risk cryptocurrency, legally eliminates AML and KYC procedures and thus ensures that your account is not blocked no matter what transactions you accept. There is also the ability to segregate payments by risk level, which increases the variety of payment methods and the speed of transactions. Businesses get a high level of protection against fraudulent transfers. What business industries need a high-risk payment gateway High-risk industries are areas of business that are considered risky by payment card operators. This is because these business areas have a higher proportion of suspicious transactions. Such businesses need to be more careful in selecting crypto-payment solutions and other payment methods in order to offer the customer a wide choice of payment methods, speed up transactions and at the same time reduce the risks of fraudulent transfers.The high-risk business was one of the first to integrate cryptocurrency gateways, which helped keep conversion rates at a good level. Billblend is one of the best KYC-free crypto payment gateways to integrate for businesses specialising in: sports betting; online slots; live casinos; poker games. These are some of the most popular businesses that need a reliable payment gateway between fiat and cryptocurrency. Billblend offers such a solution. Through a free consultation, you can find out about the cost of running a cryptocurrency payment gateway. For a more detailed and detailed answer, you can fill out the feedback form, indicating the specifics of your business. The consultation is free of charge. Advantages of a Billblend cryptocurrency payment gateway Crypto payment provider Billblend stands out as a leading payment gateway for high-risk businesses. These are not empty words, but a real picture confirmed by the following facts: Extensive cryptocurrency support – The crypto payment provider supports more than 100 payment methods, providing flexibility and extensive payment options. Easy integration – Billblend provides easy integration with various e-commerce systems, which simplifies crypto payment processing. Personalised Fees. The payment platform has flexible tariffs as the cost of services depends on the turnover of the business and the scope of work. This is a fair position, as it provides advantages for small companies that cannot pay a large commission. Partners have the opportunity to save on the costs of a connected crypto payment processor for business. Security. Advanced protocols and security measures are used to protect transactions and data, giving businesses peace of mind. 24/7 support. Billblend provides 24/7 support to help businesses deal with any issues they may encounter, ensuring smooth operations. For high-risk businesses, integrating a crypto-payment gateway like Billblend can be transformative for your company’s growth. Accept crypto payments to enjoy all the benefits of cryptocurrencies. This overcomes the challenges associated with traditional payment methods. Cryptocurrency payments for betting shops, investment projects, online casinos and other types of businesses allow for smooth operations, lower costs and higher payments.Discover a new direction in business development with Billblend and take your business to the next level. To set up a cryptocurrency gateway you need to contact Billblend representatives. You can write to the online chat or fill out the feedback form. Specialist’s consultation is free of charge. Answers to frequent questions? What are the benefits of a cryptocurrency payment gateway? Cryptocurrencies such as Bitcoin and Ethereum provide businesses with a variety of payment methods, reducing their reliance on traditional banking systems. Cryptoassets are inherently borderless, allowing businesses to accept international payments without the need for currency conversion or international fees. This makes it easier for businesses with customers living in different countries. The security of cryptocurrency payments cannot be overlooked. Blockchain technology provides unprecedented security and transparency of transactions, significantly reducing the risk of fraud. What is the best payment gateway for high-risk businesses? Billblend solves most of the problems businesses face with conventional payment methods. With Billblend, you get rid of such problems and instead focus on your business. What is considered a high risk business? A high-risk business is a business that has a higher percentage of suspicious transactions accepted than a low-risk business. Payment processing in such businesses may have certain local restrictions. Cryptocurrencies such as Bitcoin and Ethereum provide businesses with a variety of payment methods, reducing their reliance on traditional banking systems. Cryptoassets are inherently borderless, allowing businesses to accept international payments without the need for currency conversion or international fees. This makes it easier for businesses with customers living in different countries. The security of cryptocurrency payments cannot be overlooked. Blockchain technology provides unprecedented security and transparency of transactions, significantly reducing the risk of fraud.Billblend solves most of the problems businesses face with conventional payment methods. With Billblend, you get rid of such problems and instead focus on your business.A high-risk business is a business that has a higher percentage of suspicious transactions accepted than a low-risk business. Payment processing in such businesses may have certain local restrictions. 6

Discover Alternative payment methods The e-commerce industry is changing rapidly. New trends come and go, new audiences emerge, and customer expectations change. Given the changing trends and user preferences, businesses must respond to the changes and offer new solutions. One such trend that is becoming increasingly important is the use of alternative payment methods. The active adoption of alternative payment systems is associated with Generation Z and millennials, who have a purchasing power of over $200 billion per year. The amount is colossal, so it is not worth neglecting the demands of young customers. For them, the availability of alternative payment methods is the most important advantage when choosing a website or shop.Alternative payment solutions are just one of the many innovations adopted by the modern shopper, but it can have a big impact on purchase decisions. Billblend has support for over 100 payment systems and over 70 currencies, including digital assets. This variety of alternative payment options will appeal to all customers. What are alternative payment methods? Alternative payment systems are much more than just a technical implementation or a tool to receive funds through an e-wallet, cryptocurrency wallet, bank account or other payment methods. Alternative payment solutions can include card payment by QR code, transfer by phone number, payment in instalments or instalments, purchase on credit, payment after receipt of goods. The use of alternative ways of payment allows to attract new customers, as they have a choice of different options of purchase. They can choose the method that suits them, which increases the conversion rate and therefore the profitability of the company.Billblend refers to alternative payment providers for high-risk businesses. The company specialises in working with betting shops, online casinos, poker rooms, investment projects and other businesses that use alternative payment systems.Billblend offers partners global alternative payment methods, with the company helping partners select the optimal set of payment systems. To determine the selection of advanced payment acceptance methods, it is important to answer four simple questions: which devices my customers use most often; who my customers are: gender, age, interests, financial security; the geography of my customers and which payment methods are most popular; how payments are processed by the top companies in my industry. By answering these four questions you will be able to pick the best alternative payment methods that customers use. By providing alternative payment options, merchants can avoid forcing customers to abandon a purchase because of the high cost of an item. Instead, you can provide the customer with a variety of options that will make almost any purchase easier. Payment methods and what to do next The selection of alternative payment methods can vary from region to region, but there are payment solutions that are very popular. Some of the most popular alternative payment methods that Billblend offers its partners include: QR code payments; quick transfers; instalment payments; payment from the balance of an electronic or cryptocurrency wallet. You can find out about all the payment systems that Billblend has through the feedback form. Specialists will tell you about Billblend opportunities for your business.If you plan to expand the geography of your business, increase turnover and attract new customers, it is impossible to stay in the past. It is important to pay attention to modern alternative payment methods.The emergence of alternative payment methods is certainly not the latest innovation, in e-commerce, but it is a very important one. For businesses to stay on trend it is important to keep an eye on all innovations as it allows them to expand their market presence. In order to achieve success and keep it for many years, you need to create all possible conditions so that customers not only make purchases, but also come back for more.At Billblend you will find innovative solutions for your business, free website integration for accepting payments, support for all modern payment methods, including rare ones like agency programmes. You can book a free consultation to learn about all alternative payment solutions. FAQ Which businesses are most in need of alternative payment methods? Some market segments are most in need of alternative payment methods, namely Forex, binary options, gambling, betting, marketing agencies, e-goods and video games, gaming marketplaces, deating sites, freelancers, web design studios, IT teams, travel, e-commerce, infobusiness, training. What are the most popular alternative payment methods? Some of the most popular alternative payment methods include digital wallets such as Apple Pay and Google Pay, cryptocurrency, bank transfers, instalment payments. What is the difference between alternative and preferred payment methods? A preferred payment method is the default payment method that a customer chooses to use when making a purchase, while an alternative payment method is any payment method other than cash, credit or debit card. Some market segments are most in need of alternative payment methods, namely Forex, binary options, gambling, betting, marketing agencies, e-goods and video games, gaming marketplaces, deating sites, freelancers, web design studios, IT teams, travel, e-commerce, infobusiness, training.Some of the most popular alternative payment methods include digital wallets such as Apple Pay and Google Pay, cryptocurrency, bank transfers, instalment payments.A preferred payment method is the default payment method that a customer chooses to use when making a purchase, while an alternative payment method is any payment method other than cash, credit or debit card. 6

An electronic payment facilitator (PayFac) is a financial intermediary or organisation that simplifies payment processing for small merchants or businesses. The main goal of PayFac is to enable partners to accept payments faster and more efficiently: payment by card, e-wallet or other means. A payment processor provides similar services, but it works on a slightly different principle.Let’s consider what a payment intermediary is, how it works, how a payment processor is structured and how they differ. What is a payment processor? The main task of a payment processor is to execute transactions between three parties. The parties involved in executing a payment transaction are: seller – a shop, a BC site, a casino, a service aggregator, and so on; issuing bank – a financial organisation that issued a card or a buyer’s wallet; acquiring bank – the bank where the merchant account of the merchant is opened. A payment processor, such as Billblend, not only handles the processing of financial transactions, but also provides the necessary software hardware to accept payments.It can be said that the payment processor acts as an intermediary between the business and the banks that are involved in the financial transaction. On the merchant’s website, the customer enters payment details, the processor accepts the data, performs encryption, transmits the information between the payment participants and confirms or denies the transaction based on the responses received.Modern online shops support different payment methods. Among the most popular are: credit and debit cards; electronic wallets; bank transfers; contactless payment; cryptocurrencies. Billblend offers customers more than 70 payment methods. When entering into a partnership, you can enable all of these methods or choose only those that are most in demand from your customers. What is a payment facilitator (intermediary)? A payment facilitator (PayFac), like a payment processor, is an intermediary, but the key difference is that PayFac makes its own financial settlements rather than being part of the processing of bank transactions. Payment intermediaries simplify the registration process for merchants, making it faster and more accessible. Among the distinguishing features of the platform is the ability for businesses to register and accept payments for their services with minimal time and document collection.The facilitator has already entered into an agreement with the bank and has an individual number under which merchants can register, without interacting with the bank directly. The partners of the payment facilitator are called sub-merchants.Billblend as a payment intermediary offers customers: fast connection; a flat rate for connection; favourable tariffs. It is necessary to emphasise the peculiarity of PayFac with accumulation of funds on an individual account, which are transferred to the bank not at the moment of transaction, but after a short time. If you choose an unreliable intermediary, there may be delays with the transfer of funds. Another peculiarity is the use of a universal payment terminal. If there are changes in functionality, they affect all sub-merchants.Billblend acts as a reliable payment processor, offering partners modern payment methods and fraud protection. The advantages of the solution are free consultation, fast integration, flexible tariffs and a personalised approach. There is an opportunity to connect to trading accounts with a high level of risk. What are the differences between a payment processor and a payment intermediary The table below summarises the peculiarities of payment processors and intermediaries. Aspect Payment FacilitatorPayment processorConnectionsimpler registration form on the portal, which makes it easier for sellers to connect to the resourceMore complex process as individual settings are used rather than generic settingsTrading accountall payments are made under a common account belonging to the provider, allowing merchants to use a singlea separate processing account is created for each partnerResponsibilitymanages regulatory compliance, often sharing some responsibility with subcontractorsensures compliance with payment network rules and regulations for individual merchant accounts.Risk managementrisk management is utilised on a collective basis for all subcontractors, it includes return risks and fraud protectionsellers are responsible for managing transaction risksData securityindustry safety standards are usedsafety standards appropriate to each partner’s area of work are utilisedSettlement periodclients get quick access to transaction settlements, usually no more than 1-3 daysSettlement terms may vary, from 1 to 3-5 days depending on the area of business operation and industry standardsSeller registrationfaster access to the platform, as common settings are used without a customised approachmore complicated registration process, as the provider conducts a more thorough vetting processA payment intermediary is needed by SaaS companies and platforms that offer different solutions to customers, such as selling services or goods. With this payment acceptance model, businesses get the maximum benefit and their customers get an integrated simple and secure payment process. FAQ What role does a payment processor play in transactions? During a financial transaction, a payment processor encrypts data and sends data between the card issuing bank and the account servicing bank. What is a payment intermediary? A payment intermediary or PayFac is a service provider for merchant accounts, specifically software-as-a-service (SaaS) companies. The intermediary enables customers to conduct transactions on their platform by making payments to merchants. What are the advantages of using Billblend? The main benefit is that you can use one platform to aggregate multiple shops. This results in savings How does PayFac make it easy to accept payments? PayFacs system supports subcontractors, tracks transactions and adheres to set standards in operations. It simplifies payment acceptance because you don’t have to open a separate account for each merchant. During a financial transaction, a payment processor encrypts data and sends data between the card issuing bank and the account servicing bank.A payment intermediary or PayFac is a service provider for merchant accounts, specifically software-as-a-service (SaaS) companies. The intermediary enables customers to conduct transactions on their platform by making payments to merchants.The main benefit is that you can use one platform to aggregate multiple shops. This results in savingsPayFacs system supports subcontractors, tracks transactions and adheres to set standards in operations. It simplifies payment acceptance because you don’t have to open a separate account for each merchant. 5

A payment service provider is a company that helps businesses make various money transfers. Payments can be made using debit or credit cards, e-wallets, fast transfers, cryptocurrency and other methods.Biilblend acts as an intermediary between the business, the client and the payment system. The business receives a ready-made solution, as the payment service provider offers a complete solution. Let us tell you what makes payment solution provider Billblend stand out from other competitors. How a service payment provider works Service payment providers offer intermediary services. Billblend processes a customer’s application for payment, which he leaves on the website of a shop or bookmaker’s office. The application itself goes to the payment gateway, then to the payment processor, which confirms the debit. The payment processor links everyone involved in the purchase – the seller, the buyer and the bank that issued the buyer’s account and the bank where the seller’s account is held.When making a purchase online, the client specifies his data on the payment page and confirms the payment with a code from the card or SMS, or other method provided by the payment system. It takes a few seconds, so there is a false perception of the simplicity of operations.If we consider the payment on the site from a technical point of view, the chain of confirmation of the operation, the payment service provider carries out extensive work. The payment gateway processes the buyer’s application, sends a request to the banking organisation, receives a response, processes the results, issues a payment authorisation or denial of the transaction. What does payment processing service provider mean? Payment processing service provider is a payment processing participant who is responsible for data collection and verification. In e-commerce, PSPs offer a technical solution to make a purchase. Billblend offers businesses to integrate a form of payment by bank cards, e-wallets, direct transfers and other methods into their website or shop. There are over 100 options in total, with the ability to change the currency of the account. This allows you to expand the geography of work, as customers can pay the bill in the national currency. This is very convenient, customers do not experience stress and do not incur additional losses for conversion.Choosing a reliable payment solution provider is very important, as the partner determines how convenient the transaction process will be and what costs you need to incur to connect the provider to your website or shop. At Billblend you can request a free consultation by leaving a request form. For a more detailed response, please describe your field of work, turnover and region of operation. Billblend helps businesses in Europe, Africa, Asia and other continents. Tech support responds promptly. What is the difference between a payment service provider (PSP) and a payment gateway? A payment gateway compared to payment as a service provider is less functional. Both solutions allow businesses to customise the payment acceptance process. The gateway can collect and transmit data, but the transaction itself is handled by the payment solution provider.With Billblend, you get comprehensive support. You can request transfer statistics at any time. You can use the solution for your business by leaving a request for a free consultation. What fees are charged for using payment solution service provider (PSP) services A payment solution service provider enters into a co-operation agreement with a business. The business pays the provider to provide the service and make transfers. At Billblend, we use a dynamic rate grid, so the final figures for connection and account maintenance fees depend on the turnover of funds. Small businesses benefit from this approach, as they pay solely for the transactions they makeIf we look at the payout service provider industry as a whole, we can highlight the main indicators that affect the cost of partnership. There are no uniform standards, as providers attract new customers through tariffsUsually, a business pays for connection to a payout service provider or partially compensates for the initial integration costs. Also the cost of connection is influenced by the speed of connection, the faster the provider integrates with the partner’s site, the less losses the business has.Additional services such as cryptocurrencies, fraud protection, working with high-risk businesses and others can affect the cost of co-operation with a payment method provider. For example, Billblend accepts payments in over 70 currencies, including cryptocurrency. There’s fraud protection, including the use of customer activity analysis to prevent credit card fraud. Pros of using a payment service Much of the popularity of payment service providers stems from the fact that you get a lot of convenience for a low price. Payment service providers are great for growing companies and small businesses. Many providers have a rule of thumb – only pay for completed transactions.For a small fee, you get a transaction provider with great functionality and state-of-the-art fraud protection. The main advantages of PSP include: ease of use; flexible tariffs speed of connection; modern security features; suitable for both small and large businesses. By choosing Billblend you will get a payment service provider with a good reputation, over 100 payment methods and fast integration. FAQ How do I choose the right payment service provider? Choosing the right payment service provider will require you to consider several factors. Some of the main ones include: the need to process transfers, business goals, available costs of the payment service, reputation of the provider, what security measures the service provider uses. What currency does the PSP accept payments in? The functionality varies between payment service providers. Billblend has support for fiat and cryptocurrency, you can use bank transfers, e-wallets, credit cards and other payment methods. The provider processes transactions in more than 50 currencies. The choice of payment solutions is large, so companies from different countries will be able to find a suitable option. How can a payment service provider help businesses? The main goal of a payment provider is to make it easier for businesses to process transactions and make payments safer and easier to understand for

Pay as service (PaaS) PaaS stands for Payments as a Service. It is a universal solution for business, represented by a virtual server that allows to receive and process financial transactions in real time. Payment platform as a service has its own physical server, which is leased to businesses so that they can focus on expansion and competition instead of spending money on technical equipment.Let’s take a look at how Payments as a Service works, what benefits a company gets and how to choose a reliable provider. What Payments as a Service Technology Means Payments as a Service is a technical solution that allows to outsource part of routine work. For example, a company does not need to bother itself with creating a server for payment processing, you can order the service from us and you will get a ready-made solution. Billblend works not only with ordinary but also with high-risk businesses such as bookmakers, poker rooms, online casinos.Payment-as-a-service typically consists of the following elements: storage, analytics, database, network server and software. Since businesses use cloud technology rather than building a server in-house, they spend less money to connect payment systems. Operators offering payment-as-a-service charge a connection fee, and the business only pays for the transactions made. Why PaaS is needed Any business sells products or services. The higher the quality of the products and services, the more likely the company will be able to recoup the cost of production and make a profit. Conceptualising and realising a product takes a lot of time, but there are other routine tasks that cannot be left unattended. The company must deal with taxes, payment processing, fraud protection, and more.Integrating a payments platform-as-a-service allows you to shift most of the routine tasks to the provider. This frees up time that the company can spend on product creation and promotion. The business doesn’t have to solve the problem of how the customer will pay for the order, the provider offering payments as a service will solve everything.Time is one of the main reasons why payments as a service is in high demand. Companies can do their own development and all the problems with payments will be solved by the provider offering payments as a service. The main advantages of using a PaaS platform Providers offering payments as a service have a number of undeniable advantages for businesses. Let’s tell you what bonuses a business will get by connecting PaaS Billblend. Cost reduction One of the main advantages of using the platform is its cost-effectiveness. Choosing cloud technology company does not need to spend money on the creation of a physical server. It has already been set up by the provider who keeps the server running.Connecting payments as a service company in its use receives production capacity, while paying only the amount specified in the contract. You do not have to pay for the repair of the server, if it is required for work. All costs are borne by the provider. Many service providers charge a connection fee, and the rates are designed so that the business pays directly for operations. This allows you to save money and then use it for development. High reliability The provider takes the responsibility of keeping the server running. You don’t have to worry about not being able to process customer payments due to a breakdown. Due to high performance, payment-as-a-service providers can achieve real-time transaction processing.The servers are built with a margin of safety, so there will be no disruptions when there are a large number of orders. Connection speed The speed of payment server connectivity is another undeniable advantage of payments as a service. While building your own server, connecting it and setting it up can take several months, with cloud technology, integration is much faster.Payments-as-a-Service providers already have a physical server and ready-made solutions that can be used to integrate with the customer’s website. You can leave a request on BillBlend, telling about your business, turnover of funds, and you will get a ready-made solution for integration with your website or application. Security Security in financial transactions comes first. Choosing a reliable and trusted service provider will protect the client’s personal data, as well as well as the interests of the business.Payment services use modern methods to protect payments and online fraud: user address verification, 3D-authentication, encryption and others. Scalability Every business owner expects the company to grow gradually. This leads to the need to expand capabilities as the number of payments increases. By using payments as a service a business can quickly achieve scalability. This is because it doesn’t need to build an additional physical server, just increase the PaaS rate by allocating more space in the cloud server. For fast connectivity, you can use pre-built developments that are already in place for ongoing payments.Speed in connecting and scaling is one of the key benefits of PaaS. If you’re just starting out, you don’t want to pay for transactions that may happen in the future. You have the option to gradually increase capacity as the number of transactions grows. Payment services use modern methods to protect payments and online fraud: user address verification, 3D-authentication, encryption and others. Modern solutions Payments as a service offers modern solutions for businesses. Company services get updates that customers can access immediately. This means you’ll only ever use up-to-date payment solutions, with the cost of upgrades falling on the provider, not the recipient of the service. FAQ PaaS – is it a modern payment solution? Cloud technology has been in use for over 20 years, and the very concept of developing software to provide to other companies has been developed over 50 years. It is a time-tested technology that is evolving and accommodates the interests of modern businesses. What components are included in PaaS? PaaS as a service consists of the following components: infrastructure, system software, development tools, testing environment, business intelligence, management and administration tools. What are the main benefits of PaaS? The main advantages are savings, productivity,

Billblend processes thousands of financial transactions of its partners on a daily basis. In our work, we clearly see how automated payment systems are changing the rules of work. Automated processes make transactions faster, safer and with minimised human error.Automate payments are electronic platforms that allow you to transfer money from one place to another without the need for a human to do it manually. The system can handle one-off transactions as well as regular transactions such as service subscription fees and other types of recurring transfers. Types of automated payment systems Depending on the type of transactions, payment services work according to a different scheme. Let’s outline the most popular varieties. Electronic money transfer This is a way to pay for services or transfer between accounts in the digital space. The client can perform a bank transfer, payment through an electronic wallet or from card to card. Online Payments It is an automated system that allows users to receive or send money online. Usually this system is used by individuals for one-off transactions. Subscription debit Businesses can offer customers various benefits for using the service. To gain access to the portal, it is required to pay a commission. When connecting the mailing list, the client can enter various data and confirmation codes, then monthly payments are deducted automatically. This is favourable to both the business and the user. The latter does not have to confirm the payment, and the company has the opportunity to reduce the cost of transaction processing. Billblend allows service owners to automate the payment process, which reduces manual labour and reduces the risk of errors and speeds up the process. Payout via API An API is an interface that allows communication between two or more programmes. Using an API allows businesses to set up automated processes, including integrating the payment system into the interface of their website. This eliminates human intervention from the outside. Bilbblend uses modern developments in the field of APIs to ensure that businesses receive up-to-date solutions, reliable fraud protection, low fees and high connection speed. How an automated payment system works Billblend, as well as other automated payment systems work on the basis of similar components. Let’s talk about the basic steps that are in any automated system: transaction initiation – this is the beginning of any transaction when a customer decides to make a purchase or transfer funds; payment gateways – a service that acts as an intermediary in processing the transaction; payment systems – receive encrypted information from the gateway, verify it and process it, interact with the next and previous element; banking networks – a system of interaction between different banks to exchange information on payments; merchant accounts – a network for receiving payment for services or goods; security protocols – a system for protecting customer data, including encryption, compliance with industry standards, and more; customer authentication – an algorithm for verifying a user to find out whether or not a payment instrument belongs to them; settlement and clearing – coordination of transaction details between the bank that issued the customer’s payment instrument and the bank where the company has an account; dispute resolution system – a service for solving standard problems arising in the process of payment transactions; user interface – a part of the automated payment system that the user sees when initiating a transaction and confirming it, checking its status; record keeping – a service for automatic accounting of all conducted transactions. In Billblend all of the above components work as a single whole. This allows to provide partners with the best service for instant transactions with a high degree of protection against fraud. You can request a free consultation to find out how our automated payment system can improve your conversion and efficiency of financial transactions. Conclusion Automated payment solutions from Billblend are what you need to look at if you want to improve the efficiency and cost-effectiveness of your financial transactions. Automating the process reduces costs, speeds up processing, and using modern security and verification methods, gives you fraud protection. FAQ How secure are automated payment systems? Automated payment systems provide secure access to users. All transactions are processed automatically using modern security and encryption methods. Such payments are more secure than manual transfers. How can I automate bill payments? You can achieve bill payment automation with a payment solution from Billblend. Automated systems will allow you to accept quick payments for subscriptions, invoices and other payments. What to look for when choosing a payment service? The key points that deserve your attention are whether the payment service regularly updates its software, what authentication methods it uses, whether it collects and analyses information about payments, how much it costs to connect and commission fees. What services are available to connect automated payments? You can connect automated payments by choosing Billblend. We offer free consultation, fast integration, the ability to use over 70 currencies including cryptocurrencies and up to 100 payment methods. Automated payment systems provide secure access to users. All transactions are processed automatically using modern security and encryption methods. Such payments are more secure than manual transfers.You can achieve bill payment automation with a payment solution from Billblend. Automated systems will allow you to accept quick payments for subscriptions, invoices and other payments.The key points that deserve your attention are whether the payment service regularly updates its software, what authentication methods it uses, whether it collects and analyses information about payments, how much it costs to connect and commission fees.You can connect automated payments by choosing Billblend. We offer free consultation, fast integration, the ability to use over 70 currencies including cryptocurrencies and up to 100 payment methods. 5

Payment gateway fraud is fraudulent activity that targets payment gateways, which serve as the technological infrastructure for secure online payments. Fraud is more commonly encountered by large companies, as the flow of financial transactions is larger and not all payment gateways perform quality transaction verification.Billblend uses all modern ways to prevent payment gateway fraud. Let’s tell you what are the options of payment gateway fraud and how Billblend protects clients from fraud. Ways of fraud with payment systems Scammers use several methods of payment gateway fraud. Here are four of the most popular schemes. Identity theft Identity theft is an offence where a person’s personal data is illegally used for material gain. Fraudsters can steal a person’s physical card or hack into a database where personal information is stored.To reduce the risk of losing important personal data it is important to keep an eye on who you leave a financial footprint with. It’s worth avoiding registering on sites with dodgy reputations, as there is a risk of putting your data in the hands of malicious individuals. Don’t download apps from unverified sources, don’t download pictures and files sent by strangers to your device. BIN attacks BIN attacks are a method of payment fraud in which an attacker uses data about a card’s BIN number and generates the remaining digits to it. The purpose of the generation is to create an actual card number to use to make purchases.A payment gateway can provide all of this, so it’s important to know what to look for when choosing one. There are four main parameters: security, currency support, speed of integration, and speed of transaction processing. Card-testing This method of fraud is similar to the previous one, but unlike the first one, the attacker does not have reliable information about the BIN number. The scammer creates several hundred variations of card numbers and tries to find one valid one that can be used to make a purchase. Account takeover This method of fraud with payment systems is associated with the attacker gaining access to the client’s personal data, which allows him to enter the personal cabinet of a banking application or e-wallet. Having gained access to the account, the scammer can make purchases using confirmation codes from the personal cabinet. Ways to combat fraudulent transactions Billblend prioritises customer safety, so we follow different ways to prevent fraud with payment gateways. Let’s tell you about the most popular and effective ones. Address Verification Service (AVS) Address Verification Service (AVS) is a service that allows you to verify whether the user making a payment is really the owner of a bank card. Verification is carried out by comparing the address specified in the payment form with the one specified when the card was issued.The security system works as follows: when making a payment, the client enters his address; the system sends a request to the issuing bank; the bank checks the data and sends a reply; if the address matches, the transaction will be confirmed; if the address differs, the transaction will be cancelled. Address Verification Service (AVS) is not available in all countries of the world and not all payment systems allow to verify user data. CVV (Card Verification Value) CVV (Card Verification Value) is a verification code of a bank card, which confirms its authenticity. The code is usually indicated on the back of the card. This code must not be shown to unauthorised persons and must not be made publicly available on the Internet. CVV code consists of 3 digits, rarely 4. A similar technology of protection against payment gateway fraud is used by most operators issuing bank cards. The name of the code may differ, but the principle itself is unchanged.To prevent fraud with payment systems, when processing a transaction, the gateway requests not only the card details, but also the confirmation code. If the code is not suitable, the transaction is rejected. Attackers can gain access to a real card, but without CVV. In this case, there will be many transactions with code generation in the hope of finding a match. Billblend monitors permanent cancellation situations in a transaction and flags them as fraudulent. Device Identification Device Identification is a technique for identifying the device from which a transaction is made. This anti-fraud method does not involve checking payment data, but rather the IP address and browser from which the payment is made. If there is a discrepancy with the usual data, the transaction may be refused. Flag Large Transactions This is an anti-fraud system aimed at limiting the amount of purchases from one card. After gaining access to a bank card, attackers will try to cash out all the funds as quickly as possible. To combat fraudsters, you can limit the number of transactions by time and amount. If an exceeding of the limit is detected, an additional check will be assigned. Payer Authentication (3-D Secure) 3-D Secure is a two-step confirmation technology. Increases the security of credit and debit card payments that we make on the Internet. The essence of the fight against fraud is related to the additional step of transaction confirmation. To make a purchase, it is not enough to specify only the card details. To confirm the write-off of money, it is necessary to enter the pin code that the client has set or the code received from the bank that issued the card.This is one of the most popular fraud prevention tools that companies use and that also takes into account their interests. Conclusion Billblend uses different methods to combat payment gateway fraud. The most demanded ones are described above. We also use financial transaction analysis. An additional level of verification can be assigned, for transactions from countries with a high level of fraud, if the familiar IP address of the buyer is different, there have been many payment rejections at this address. All this protects the company from reputational risks and financial losses. FAQ What are the ways to combat fraud? The

A forex payment gateway for forex brokers is a kind of secure bridge between the consumer and the business. They are used to process financial transactions. The broker offers services to traders and traders fund their account so that they can trade on the exchange. There are many operators in the market offering payment solutions for Forex brokers, but not all of them are safe and efficient. Let’s understand the principles of a Forex payment solution and why Billblend solves all the difficulties in brokers’ work. The concept of Forex payment gateways A broker is an intermediary between an investor and the stock exchange. Investors cannot directly buy assets on the exchange, so they use the services of a broker. The latter provides an opportunity to deposit funds into the account, make trading transactions and other interactions with the market.A trader cannot trade assets until he deposits money into his account. To deposit money to his balance, he uses the broker’s functionality. Once the client goes to the deposit page, it is the turn of the payment gateway for Forex. The trader chooses a suitable payment system, specifies the amount and details, enters the confirmation code. Forex payment solutions are responsible for processing the transaction and transferring funds from the user’s account to the broker’s account.To process Forex payments, a broker can choose a payment gateway that supports only traditional payment methods or cryptocurrency transactions. It is more advantageous to use the combined type, when the operator supports transaction processing in different payment systems. Billblend supports more than 50 payment options, there is support for fiat and cryptocurrency transactions. One partner closes the need for different payment methods. How to choose a payment gateway for Forex Choosing a reliable payment gateway for Forex brokers has a positive impact on business growth and the likelihood that clients will choose your services. If you as a broker offer seamless transactions, high limits and security to the client, more users will want to do business with you.A payment gateway can provide all of this, so it’s important to know what to look for when choosing one. There are four main parameters: security, currency support, speed of integration, and speed of transaction processing. Payment gateway security The financial transactions that a payment gateway handles contain sensitive information such as credit card details, transaction amounts, and recipient wallet information. Therefore, protecting customer information is critical for any business, especially one where customers know the value of money and information.You need to make sure the operator adheres to industry standards, including AML (anti-money laundering) and KYC (Know Your Customer) policies. This will make your portal more secure and there will be no question from regulatory authorities to your operation. Currency support A variety of payment systems and currencies that clients can pay with is crucial to expand your user reach. Forex brokers may have clients living in different parts of the world, which leads to a variety of popular payment methods and currencies, including cryptocurrency. Billblend has over 100 payment methods and 70 currencies.The ability to pay with different currencies and methods frees customers from having to use multiple accounts. If there is a restriction on payment methods, the client may find another broker, as they will not want to spend money on conversion and time transferring funds between different accounts. The shorter the client’s path from the desire to deposit money to the balance, the more favourable it is for the broker. Fast integration Billblend knows how valuable time is to businesses, so they offer free payment gateway integration and 24/7 consultation. You can leave a request on the website, specifying the scope of work, turnover and the best way to get in touch. An employee will prepare a personalised offer for you based on the data received. Speed of transaction processing One of the most important factors in the work of Forex brokers is the speed of transaction processing. The less time it takes from the moment you make a deposit to the moment you are credited, the more clients will want to co-operate with the broker.The speed of processing withdrawal transactions can also help with business development. This is no less important moment, as broker’s clients do not want to wait long for the crediting of the received profit. Billblend payment gateway will help your business to receive payments and manage settlements smoothly and with minimal delays. Conclusion Choosing the best payment solution for Forex is facilitated by various payment methods that are secure and fast. This allows you to expand your business and attract new customers. FAQ Why does a Forex broker need a reliable payment gateway? The main task of a payment gateway for business is to guarantee the safety and efficiency of financial transactions. What to pay attention to when choosing a payment solution? When choosing a reliable payment gateway that can take your business to the next level, you should pay attention to security, functionality, speed of transaction processing, support for multiple currencies and cryptocurrencies. Why does transaction speed matter when trading? The higher the speed of payment processing, the better chance traders have to take advantage of market volatility and control their own risks. Can I track and reconcile transactions through the payment gateway? Billblend like other payment gateways provides the ability to track transactions. It is possible to track transactions in real time. This includes access to transaction details such as payment amounts, dates, customer information and transaction status. The main task of a payment gateway for business is to guarantee the safety and efficiency of financial transactions.When choosing a reliable payment gateway that can take your business to the next level, you should pay attention to security, functionality, speed of transaction processing, support for multiple currencies and cryptocurrencies.The higher the speed of payment processing, the better chance traders have to take advantage of market volatility and control their own risks.Billblend like other payment gateways provides the ability to track transactions. It is possible to track

As part of bank card services, issuers are obliged to guarantee the safety of customers’ funds. This affects the reputation of the credit organisation, so the security of online purchases is given great attention. Banks use different ways to protect customers, one of the most popular technologies is 3D Secure. 3D Secure is a kind of XML-protocol, which is used as an additional level of security when making transactions with bank cards on the Internet. The protocol provides for two-factor authentication of the client before the transaction is completed. How does 3D authentication work? 3D Secure serves as an additional layer of protection for online credit and debit card transactions. This secure payment technology allows the customer’s bank or payment service provider to request additional card details from the user in order to make a legitimate purchase. Authentication with 3D Secure increases security by introducing an additional step in the checkout process. This step takes the user to the card issuer to confirm the transaction. A brief algorithm of making a payment using 3D Secure technology: The customer selects a portal where he/she plans to make a payment, for example, paying a bill on a bookmaker’s website, paying for delivery of ready-to-eat food or any other service. The client chooses the method of payment by bank card, and then enters the card data, including its number, expiry date and security code. After confirming the purchase, the customer will be redirected to the 3D Secure page belonging to his card issuer. In the fourth step, the user is prompted to choose one of the actions: a pre-set password; a one-time authentication code sent by SMS to the phone, in an e-mail, in a notification in the bank’s application; an answer to a unique question chosen by the client. The choice depends on the bank’s security protocol. At the next step the bank checks the card details, if they are entered correctly, the payment will be authorised. If the card details and authentication code are correct, the payment will be authorised, the card balance will be debited and the funds will be transferred to the account of the service provider. After the transaction is confirmed, the client returns to the page of the shop where the payment was made. The payment gateway does not always ask for an authentication code or password. There are payments that have ‘low risk’, so they have high security and fraud protection. For a small amount transaction or for those transactions that the customer performs regularly, a security code is not required and the data from the card issuer is sufficient to authorise the payment. In these situations, funds are debited automatically after the client has entered the card details and security code on the reverse side. This simplifies the process of shopping and paying for services. Strengths of 3D authentication he 3D Secure technology for protecting online payments was developed in 2001 and was then actively implemented by card issuers. This led to greater popularity of online transactions, as the number of fraudulent transactions decreased. There are several undeniable benefits to the security protocol that are important not only to the card issuer, but also to the cardholder. Increased security. The main and most important advantage of 3D Secure is the prevention of card data theft, which protects customer funds. Fraud protection. 3D Secure serves as a powerful barrier against credit card fraud, protecting buyers and sellers. Cardholders are protected from receiving credit for purchases they did not make. In an era of the popularity of online transactions, an extra layer of security doesn’t seem unnecessary, with only a few seconds to complete. 3D authentication has no weaknesses, except for disruptions in banks’ services. But in case of a failure in the work of financial organisations, normal payments will not go through. 3D Secure benefits both merchants, who are protected from disputes and reimbursement of services if the payment was made by fraudsters. Customers are safe as they have to enter a code that comes to their device to make a purchase. What does 3D Secure authentication failure mean? During a transaction to pay a bill or service, an error message may appear. Such a notification means that the user has made an error when making a payment and has failed 3D authentication. Among the most common problems that lead to cancellation of payment authorisation is an error with entering details. Incorrect card details – card number, expiry date, name on the card, CVC security code or incorrect code for authentication. If an error is made at any of the stages, the payment will be rejected. If the customer has entered incorrect card data, the card issuer sees this error and does not confirm the payment. This solution is related to fraud protection. This measure allows to protect the user from unauthorised debiting of credit or debit card. You may be directed to enter the confirmation code every time, but if you lose your card or its number becomes publicly available, this solution seems reasonable, as fraudsters will not be able to use the card for online purchases. What to do if an authentication error message appears When you receive an error message when making a payment, you should not panic and get upset. In this situation, you should go back to the payment page and check the details or see if you have entered the confirmation code correctly. Usually the payment gateway provides for re-entering the code or requesting a new one. If the card details are entered correctly and the security code is correct, but the payment fails, the 3D Authentication failed error message still appears, you should first disable all extensions in your browser, including those that block pop-up windows. The presence of browser extensions can cause payment authentication failure and incorrect operation of the 3DS page. If disabling extensions again fails to confirm the debit, you should try using a different browser. If this option does not help to solve the

P2P payments are one of the most popular ways to deposit and withdraw money from exchanges and crypto wallets, which makes many people have questions about security and its legality. Let’s understand what the procedure of p2p payments is, what are the options for transferring money to another user, and what risks should be considered. How P2P works P2P is a transfer from one person to another directly without an intermediary. P2P payment, short for peer-to-peer or person-to-person payment, refers to a transaction that allows the public to transfer their money to people online using personal bank and credit union accounts or mobile apps. The mechanism is the same as a card-to-card bank transfer. Person-to-person payments can be made in the same currency or with conversion. The mechanism can be used to buy cryptocurrency. Example of use: you make a transaction with another person. After that, you send funds in the chosen currency to his bank account. After receiving the payment, the other party to the transaction transfers the specified amount in cryptocurrency to you. Peer-to-peer payments can be used to top up your account at crypto exchanges or bookmakers. In this case, the balance may receive a payment in your currency or the selected cryptocurrency. It all depends on the terms of the transaction. In order not to search for the participants of the transaction yourself, there are special programmes on which you can choose payment solutions using P2P. The most popular P2P payment services include: PayPal; Apple Pay; Venmo; Cash App; Google Pay; Square Cash. The number of services that help in sending money to other users is constantly growing. This is due to the fact that more and more people are abandoning cash in favour of electronic money. It has become more convenient to use bank cards, wallets, crypto wallets to pay for services in ordinary life. How to make a P2P payment All P2P platforms look like noticeboards. It can be a separate section on the exchange, or a separate application that performs financial transfers. To make a payment you need to have an account in one of the platforms. The ability to make transfers may be limited if you have not been identified, so it is important to study the rules of the exchange before you create an account. To verify your account, you may be asked to provide proof of personal data. On the exchange, you can act as a maker or taker. The first ones create the offer themselves, i.e. they set up the rate, volumes and means of payment. Takers select those offers that are already on the site. They can make a payment faster, as they don’t have to register a transaction, just choose the right rate. In addition to large P2P platforms, there are private exchangers. They place offers on their websites, apps or Telegram bots. Everything is even easier with them. You just choose what you want to buy and what you want to sell. After that, the exchange and confirmation takes place. Risks of using P2P P2P trading is a risky field, so it’s important to know the basic principles of defence against fraudsters. As in other areas where there is a large turnover of funds, there is no 100% guarantee, but there are rules, the implementation of which will reduce the risks to a minimum. Basic rules of safe transactions: choosing a proven platform; studying the percentage of successful transactions; checking the date of registration of the counterparty and verification; receiving and sending transfers only to the details specified by your counterparty; conducting the transaction and communicating only within the platform, you cannot go to Telegram or other messengers. If the fraudulent transaction could not be avoided, then be sure to contact the support service of the exchange or exchanger. It is mandatory to open a dispute on the transaction, this will help to block the transfer. If you choose an intermediary for the transaction outside the exchange or exchange offices, there is no guarantee and protection from fraud. Once you have sent money, it is impossible to return the transfer. If it is a fraudster, you will lose all your funds. You should not choose risky operations, even if they are noticeably more favourable in terms of the exchange rate. It is better to lose some funds due to a less favourable exchange rate, but be safe from fraud. Why use P2P P2P transfers allow you to solve several tasks that are not available when using bank cards or e-wallets. Some users use this solution to bypass the blocking of traditional transfers. Some countries prohibit transfers to customers from other regions. In this case, using P2P allows you to make a transfer to friends, relatives or to pay for services. With the help of P2P you can top up your balance in a bookmaker’s office, cryptocurrency exchange, online casino, if traditional deposit methods do not work and there is no possibility to make a payment through a cryptocurrency wallet. Transfers abroad are one of the tasks that can be solved with P2P. The transfer can be subject to lower fees than traditional methods, while there are chances that the money will reach the other user faster. To sum it all up, P2P solutions help you pay for services and goods, exchange cryptocurrency, transfer money abroad, and save on fees. P2P exchanges are faster and, more often than not, more profitable than other methods. How you can make money on P2P trading With the popularity of P2P transfers, the opportunity to make money on transfers has emerged. Arbitrage boils down to finding favourable rates, when you can buy an asset on one platform and sell it on another or on the same platform, and you will find yourself in a plus. There are two main strategies of P2P arbitrage: Intra-exchange. All transactions take place within one platform. The user buys an asset at one price and sells it at a higher price or exchanges the asset