Pricing
Processing from 3%, with the reserve logic written down
High risk pricing is usually quoted as a headline rate and settled through fees the merchant discovers later. OBLIQO prices the whole stack up front: one processing rate, disclosed dispute handling costs, and a reserve schedule tied to measured behaviour rather than a category label.
From 3%
Processing rate
Set per merchant on vertical, volume, average ticket, and dispute performance. Interchange and scheme fees included.
T+0
Settlement
Same day USDT or USDC payouts, or SEPA euro transfer. No correspondent bank queue between the sale and the payout.
Behaviour based
Rolling reserve
Reserve percentage and hold period follow observed refunds and disputes, reviewed on a fixed cadence.
What sets your rate
- Vertical and MCC. Acquiring appetite differs sharply between crypto on ramp, iGaming, adult, supplements, and RUO catalogues.
- Monthly card volume. Volume tiers move the processing rate down and shorten the reserve review cycle.
- Refund and dispute history. Twelve months of processing statements, or a clear explanation of their absence, is the single largest input.
- Average ticket and billing model. One off high ticket sales, recurring subscriptions, and trial funnels each carry a different dispute profile.
- Settlement rail. Stablecoin settlement removes several intermediaries, which is reflected in the payout cost.
Pricing questions
- What does OBLIQO processing cost?
- Processing starts from 3% and is set per merchant on the basis of vertical, monthly card volume, average ticket, refund behaviour, and dispute history. Higher volume and cleaner dispute performance move the rate down.
- What is charged on top of the processing rate?
- Interchange and scheme fees are included in the quoted rate. There is no separate gateway subscription and no markup on stablecoin payouts beyond the network fee. Chargeback and retrieval handling fees are disclosed in the offer, not discovered later.
- How are rolling reserves set?
- Reserve levels follow observed refund and dispute behaviour rather than a blanket high risk percentage. Reserves are reviewed on a fixed cadence and released as performance data accumulates.
- How is settlement paid out?
- Settlement is available same day in USDT or USDC, or by SEPA transfer in euro. Worldwide card payouts are planned after launch.
- What do Inner Circle merchants get?
- The first fifty merchants receive reduced processing rates below standard launch pricing, reduced rolling reserve requirements, priority underwriting, and direct access to the risk team. Exact figures are shared individually in the rate sheet.
Figures on this page describe pricing at the Q4 2026 launch. No regulated financial service is offered on this website.