We help high-risk businesseskeep collecting
We work specifically with high-risk businesses that need to stay operational and keep collecting payments. Risk-based onboarding, monitored processing, and settlement to your designated account—with fees disclosed before you commit.
Purpose-built for
high-risk businesses.
Payment continuity
A structured plan to help high-risk businesses stay operational and keep collecting payments through documented onboarding and monitoring.
Risk-aware processing
Processing built around your high-risk profile—with controls, monitoring, and visibility from review through settlement.
Settlement visibility
See transaction status, reserves, and settlement activity in one view so your team knows where funds are and when they move.
Operational controls
Account-level reporting, documented controls, and records your finance team can reconcile and present during review.
A clear path for
high-risk payment continuity.
1import { cavo } from '@cavo/core'23cavo.connect({4 source: 'your-database',5 sync: true6})
1cavo.workflow('process', {2 trigger: 'event',3 actions: [4 'validate',5 'transform',6 'deliver'7 ]8})
1cavo.deploy({2 target: 'production',3 regions: 'auto'4})56// Deployed to 12 regions
Settlement you can
see and trust.
High-risk merchants need settlement they can track. Funds settle to your designated account with clear reporting—so you can keep collecting payments with visibility into every reserve and payout.
Clarity you
can operate.
Your storefront.
Your payment stack.
High-risk businesses sell on custom sites, WooCommerce, and Shopify—and settle through Stripe, PayPal, Square, and Airwallex. We align onboarding with the stack you already run.
Trust is
non-negotiable.
High-risk businesses need controls that hold up under review. Security, monitoring, and documentation are built into how we onboard and operate your account.
SOC 2 Type II
Independently audited security controls with continuous monitoring.
End-to-end encryption
AES-256 encryption for data at rest and TLS 1.3 in transit.
Zero-trust architecture
Every request is authenticated and authorized. No exceptions.
GDPR & HIPAA
Full compliance with data protection and healthcare regulations.
Built for teams
that move money.
Give your operations team one place to review high-risk onboarding, monitor payment health, and reconcile settlement—so the business can keep collecting.
Operationally clear
Review every payment, reserve, and settlement event with structured records.
Clear handoffs
Give finance, risk, and operations one shared view of account activity.
Built for review
Documented workflows for onboarding, monitoring, and reconciliation.
Audit-ready
Keep a clear record of decisions, controls, and settlement activity.
npm install @cavo/onboarding# add your merchant profileconst cavo = new Cavo({merchantProfile: process.env.MERCHANT_PROFILE})
const review = await cavo.review({business: merchantProfile,processing: processingProfile,settlementAccount: designatedAccount})
const account = await cavo.monitor({merchantId: review.merchantId,events: ['payment', 'reserve', 'settlement']})console.log('Account status:', account.status)
“Cavo understood our high-risk profile and gave us a clear path to keep collecting without guessing what came next.”
Sarah Chen
CTO, Meridian Labs
Payment continuity
Trusted by forward-thinking teams
Built around your
payment profile.
High-risk businesses do not fit a standard plan. Fees, settlement terms, and support are scoped after we review your industry, volume, and risk profile—then disclosed clearly before you commit.
Enterprise
Tailored onboarding and commercial terms for high-risk businesses that need to keep collecting payments.
Installment and monthly platform fees are quoted after onboarding review.
- Business profile and risk review
- Custom underwriting workflow
- Monitored payment operations
- Settlement reporting and visibility
- Multi-entity reporting
- Dedicated account support
- Custom settlement schedules
- Integration planning
- Documented controls
- Disclosed installment and platform fees
Every approved account receives disclosed fees and terms subject to underwriting, partner approval, and agreed commercial terms.
Need to stay in business
and keep collecting?
If you operate in a high-risk category, tell us how your business runs. We'll review your payment profile, map a continuity plan, and show you the fees before you commit.
Subject to underwriting, partner approval, and agreed terms