MobiusPay
MobiusPay is a private payment services provider founded in 2010 that specializes in high-risk merchant account processing for adult entertainment, gambling, sports betting, pharmacy, tobacco, online dating, and subscription businesses, processing 2B+ transactions for 2,500+ merchants across 190+ countries.
- Company typePrivate
- Founded2010
- HeadquartersSt. Petersburg, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What MobiusPay does
MobiusPay is a private Florida-incorporated payment services provider founded in 2010 and headquartered in St. Petersburg, FL, specializing in high-risk merchant account placement and payment processing. The company serves industries that mainstream acquirers typically decline, including adult entertainment and AI/NSFW content, gambling and sports betting, tobacco and vape, pharmacy and telehealth, online dating, and subscription-based businesses, with a claimed customer base of 2,500+ high-risk merchants and over 2 billion transactions processed since inception.
The core technology is the MobiusPay Gateway, a proprietary processing layer connecting merchant websites, apps, and POS systems to card networks for transaction authorization and settlement. The gateway integrates multi-layered real-time fraud screening, tokenization, 3D Secure 2.0, and pre-dispute chargeback interception via Visa Order Insight, Mastercard Ethoca Alerts, RDR, and CDRN. MobiusPay operates as a registered ISO/MSP of Merrick Bank (US acquiring), supplemented by banking partnerships in Europe and Asia that enable merchant placement in 190+ countries with 120+ currencies, SEPA, and local acquiring. The platform extends via 125+ pre-built integrations including Shopify, WooCommerce, Magento, WordPress, Salesforce, and the NATS affiliate tracking platform.
The business model is transaction-fee based with take rates of 4-7% in adult verticals versus 1.5-3.5% for lower-risk categories, layered with monthly account fees ($25-$100), chargeback and dispute fees ($20-$100), and one-time setup and registration fees ($100-$1,000). PCI DSS Level 1, GDPR, CCPA, and HIPAA certifications support compliance across regulated verticals. Go-to-market is sales-led with personalized consultation, content marketing through an industry-focused blog, and dedicated account specialists. Revenue is not publicly disclosed; the company is bootstrapped with no external funding rounds on record.
MobiusPay firmographics
Firmographics- Name
- MobiusPay
- Legal name
- MobiusPay Inc.
- Website
- https://mobiuspay.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MobiusPay is a private payment services provider founded in 2010 that specializes in high-risk merchant account processing for adult entertainment, gambling, sports betting, pharmacy, tobacco, online dating, and subscription businesses, processing 2B+ transactions for 2,500+ merchants across 190+ countries.
- Ownership category
- akta.pro rank
MobiusPay industry classification
Industry- Product category
- High-Risk Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB)
Keywords
Where MobiusPay is headquartered
LocationHeadquarters
- HQ city
- St. Petersburg
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
MobiusPay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Transaction Fees: Transaction-based fees charged on each payment processed. Rates vary by merchant risk level and industry, with adult merchants typically paying 4-7% per transaction. Includes interchange-plus and tiered pricing options.
- Monthly Account Fees: Monthly fees for account access, gateway services, fraud tools, risk reviews, reporting, and support. Typical range $25-$100 per month for high-risk accounts.
- Chargeback and Dispute Fees: Fees charged for handling disputed transactions and chargebacks. Ranges from $20-$100 per dispute case, plus retrieval and representment fees of $10-$25 each.
- Setup and Application Fees: One-time fees for underwriting, risk review, account setup, and boarding. Ranges $100-$500 for standard accounts, with non-refundable high-risk registration fees of $950 for Visa and $1,000 for Mastercard.
- Gateway and Integration Services: Fees for payment gateway access, plugin integrations, and API usage for e-commerce platform connections including WooCommerce, Shopify, Magento, and others.
- Cross-Border and Currency Fees: Additional fees of 1-2% on international card transactions plus currency conversion markups for cross-border processing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Adult Merchant Processing |
| Transaction based/ take rate | Monthly | Standard Payment Processing |
| Transaction based/ take rate | Pay-as-you-go | Cross-Border Processing |
| Subscription | Monthly | PCI Compliance Fees |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
MobiusPay product offering
Product offeringCore offering
MobiusPay provides high-risk merchant accounts and payment processing services for businesses that traditional processors decline, including adult entertainment, gambling, tobacco, pharmacy, subscription, and dating industries. The company operates a proprietary payment gateway with integrated fraud prevention, chargeback management, multi-currency support across 120+ currencies, and partnerships with acquiring banks in the US, EU, and Asia. It also provides vertical-specific merchant accounts with compliance tools such as age verification, HIPAA support, and PACT Act compliance.
Product overview
MobiusPay is a high-risk payment services provider offering a platform-plus-modules architecture anchored by the MobiusPay Gateway, which serves as the core technology layer connecting websites, apps, or point of sale to card networks for transaction authorization, settlement, and fraud pre-authorization. The core Payment Processing service provides merchant accounts and credit card processing with full PCI compliance across e-commerce and retail channels. International Payment Processing extends global multicurrency capabilities with SEPA and Asian market support. Additional specialized modules address specific high-risk verticals including Adult Merchant Account (encompassing Adult Dating, Adult AI/NSFW AI, and general adult content), Tobacco, Pharmacy (with HIPAA compliance), Subscription, Gambling, and Sports Betting merchant accounts. Supporting modules include Chargeback Prevention & Dispute Resolution (leveraging Visa Order Insight, Mastercard Ethoca Alerts, RDR, and CDRN), Merchant Fraud Detection & Prevention Solutions, TXT2PAY SMS-based payments, and Verifone hardware terminals. The platform integrates with major e-commerce platforms (Shopify, WooCommerce, Magento), CMS systems (WordPress, Drupal), CRMs (Salesforce, Connective, Response, Limelightsticky.io), and affiliate platform NATS, supporting 2,500+ high-risk businesses globally.
Differentiator
Problem solved
Functional benefit
Products and services
- MobiusPay Gateway Core technology layer connecting websites, apps, or point of sale to card networks. Authorizes and settles transactions while pre-authorizing payments to minimize fraud and chargebacks. Built for high-risk processing with security, compliance, integrations, and scalability.
- Payment Processing Secure, scalable merchant account and payment processing services for e-commerce websites and physical retail locations with full PCI compliance, supporting credit/debit cards, ACH, and SMS-based TXT2PAY mobile merchant services.
- International Payment Processing Multicurrency payment processing solutions for global e-commerce across Europe and Asia, including SEPA payments, 3D Secure 2.0 authentication, and support for major Asian markets. Single gateway handles domestic and international processing with local acquiring and intelligent routing.
- Merchant Fraud Detection & Prevention Solutions Real-time fraud monitoring, prevention, and dispute protection for online and retail merchants using industry-specific customized prevention techniques with multi-layered detection examining hundreds of data points.
- Chargeback Prevention & Dispute Resolution Dispute resolution services leveraging Visa Order Insight and Mastercard Ethoca Alerts networks to intercept chargebacks before they happen through real-time fraud alerts and automated pre-chargeback handling via RDR and CDRN.
- Adult Merchant Account Secure, PCI-compliant payment processing for high-risk adult businesses including adult entertainment, subscription sites, dating platforms, and webcam services with discreet billing descriptors and specialized underwriting.
- Tobacco Merchant Account Specialized merchant accounts for tobacco retailers, cigar shops, pipe tobacco stores, and related businesses with age verification integration, PACT Act compliance support, and subscription box billing for cigar clubs.
- Adult AI & NSFW AI Payment Processing Stable, discreet high-risk merchant accounts for AI companion apps, NSFW generators, and adult creator platforms with discreet billing, recurring and token-based payments, AI-aware fraud screening, and proactive chargeback prevention.
- Online Dating Merchant Account Stable merchant accounts for dating sites and matchmaking platforms with discreet billing descriptors, full membership billing management, in-app purchase support for virtual goods, and 24/7 dedicated support serving 500+ platforms.
- Subscription Merchant Account Recurring billing solutions for subscription businesses, SaaS companies, membership sites, and recurring billing models with flexible billing cycles, intelligent payment retry logic, automatic card credential updates, dunning automation, trial support, and subscription analytics.
- Pharmacy Merchant Account Specialized pharmacy merchant accounts with HIPAA-compliant processing built in, FSA/HSA card acceptance with IIAS and 90% Rule support, pharmacy software integrations (RX30, PioneerRx, Micro Merchant Systems), and stable accounts serving 2,500+ high-risk businesses.
- Gambling Merchant Account Specialized merchant accounts for online gambling, iGaming platforms, and casinos with gambling-specific fraud protection, chargeback alerts, compliance tools, age verification, geolocation, fast multi-channel player payouts, and API integration for gaming platforms.
- Sports Betting Merchant Account Merchant accounts built specifically for licensed sports betting operators with state-by-state regulatory compliance, geo-verification integration, KYC/AML verification suite, responsible gaming support, and peak event infrastructure for Super Bowl volume serving 300+ operators.
- TXT2PAY Mobile Merchant Services SMS-based payment collection platform enabling payment collection through automated text conversations, accessible across multiple devices and communication channels.
Quantifiable outcome
- 30-40% average chargeback reduction for pharmacy clients
- +3 more outcomes
Companies that use MobiusPay
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles6 records
MobiusPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability1 record
Feature11 records
MobiusPay partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Merrick BankcoreMobiusPay Inc. is a registered ISO/MSP (Independent Sales Organization/Member Service Provider) of Merrick Bank based in South Jordan, UT. This partnership enables MobiusPay to offer merchant account services under Merrick Bank's acquiring relationships, essential for their high-risk payment processing operations.
- TooMuchMediacoreTooMuchMedia's NATS platform integration. NATS is an affiliate marketing and tracking platform widely used in high-risk and subscription-based industries. MobiusPay provides step-by-step configuration guides for connecting NATS to their gateway, enabling subscription merchants to use affiliate tracking alongside payment processing.
- European Banking PartnerscoreMultiple European banking partners that process merchant applications from US-declined businesses due to Operation Choke Point. These partnerships enable EU merchant accounts, company incorporation services, and bank account setup for merchants rejected in the US. Banks have seen significant influx of merchant applications and maintain strong relationships with MobiusPay.
- Asian Banking PartnerscoreBanking partners in Asia offering similar services to European partners for merchants requiring Asian merchant accounts. Supports multi-currency processing and local acquiring in major Asian markets including China, Japan, and Southeast Asia.
Scale indicators11 records
Recent moves7 records
Expansion highlights5 records
MobiusPay competitors and assessment
Company assessmentDirect peers
- HighRiskPay: HighRiskPay is a direct competitor specializing in high-risk merchant accounts for adult, CBD, travel, and subscription businesses. Both companies serve ISO-aggregator models with similar underwriting and chargeback management offerings.
- Segpay: Segpay is a direct competitor providing high-risk merchant processing focused on adult, subscription, and digital goods merchants. Both companies compete on recurring billing, discreet descriptors, and chargeback prevention in the adult vertical.
- CCBill: CCBill is a direct competitor specializing in payment processing for adult entertainment, online dating, and subscription-based high-risk merchants. Both companies serve overlapping adult and subscription verticals with merchant account, recurring billing, and chargeback management offerings.
- eMerchantBroker: eMerchantBroker is a direct competitor providing high-risk merchant accounts and processing solutions across multiple verticals including adult, supplements, and travel. Both companies target merchants turned away by traditional processors with similar sales-led consultation motions.
- PaymentCloud: PaymentCloud is a direct competitor offering high-risk merchant accounts across adult, CBD, supplements, travel, and subscription verticals. Both companies position as generalist high-risk acquirers serving merchants rejected by mainstream processors.
- Easy Pay Direct: Easy Pay Direct is a direct competitor offering high-risk merchant account services to industries including adult, supplements, firearms, and e-commerce. Both companies compete on underwriting speed, banking relationships, and multi-vertical high-risk expertise.
- Durango Merchant Services: Durango Merchant Services is a direct competitor focused on high-risk merchant processing for CBD, firearms, adult, and nutraceuticals. Both companies operate as high-risk ISOs targeting merchants rejected by mainstream acquirers.
- Verotel: Verotel is a direct competitor providing specialized payment processing for adult entertainment, digital goods, and subscription merchants with European acquiring focus. Both companies serve the adult vertical with recurring billing and multi-currency capabilities.
Broad incumbents
- Square (Block): Block (Square) is a broad incumbent payment processor whose underwriting excludes most high-risk categories. Its continued de-risking of adult, gambling, and tobacco reinforces MobiusPay's value proposition for declined merchants.
- Stripe: Stripe is a broad incumbent payment processor that explicitly declines most high-risk verticals MobiusPay serves. Listed as an adjacent reference point: Stripe's ongoing risk-aversion in adult, gambling, and tobacco is a structural driver of merchant flow toward MobiusPay.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
MobiusPay social profiles
Digital presenceMobiusPay compliance and trust
Trust signalCompliance4 records
MobiusPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
MobiusPay leadership team
Management profileNumber of profiles
Profiles5 records
MobiusPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MobiusPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MobiusPay
What does MobiusPay do?
MobiusPay provides high-risk merchant accounts and payment processing services for businesses that traditional processors decline, including adult entertainment, gambling, tobacco, pharmacy, subscription, and dating industries. The company operates a proprietary payment gateway with integrated fraud prevention, chargeback management, multi-currency support across 120+ currencies, and partnerships with acquiring banks in the US, EU, and Asia. It also provides vertical-specific merchant accounts with compliance tools such as age verification, HIPAA support, and PACT Act compliance.
Is MobiusPay a public or private company?
MobiusPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MobiusPay founded?
MobiusPay was founded in 2010. It employs 11 to 50 people.
Where is MobiusPay based?
MobiusPay is headquartered in St. Petersburg, United States, in the North America region.
How does MobiusPay make money?
Six revenue lines are on record. Payment Processing Transaction Fees are the primary driver. The others are monthly Account Fees, chargeback and Dispute Fees, setup and Application Fees, gateway and Integration Services and cross-Border and Currency Fees.
Who are MobiusPay's main competitors?
Direct peers on record are HighRiskPay, Segpay, CCBill, eMerchantBroker, PaymentCloud, Easy Pay Direct, Durango Merchant Services and Verotel. Broad incumbents are Square (Block) and Stripe.
Does MobiusPay have an API?
No public API is recorded for MobiusPay.
What industry is MobiusPay in?
MobiusPay's product category is High-Risk Payment Processing. Its primary akta.pro industry code is FSADAIAB, Crypto Merchant Acquirers & PSPs (Payment Service Providers). Its NAICS code is 52232 and its SIC code is 6199.