The Best High-Risk Payment Gateway for Instant Payouts & Chargeback Protection

ShieldClimb’s high-risk payment gateway offers top-tier security, reliability, and performance. Accept global card payments with instant payouts, chargeback protection, and advanced fraud prevention. Built for all businesses—including high-risk industries often ignored by traditional providers—this open-source plugin delivers a secure, frictionless payment solution with no KYB verification. Just plug and play. No high fees. No account holds. No bans. Officially approved by WordPress.org.

How to Download & InstallPayment Tracker
Blue square with a company logo and a credit card icon, representing a high-risk card payment gateway for secure transactions.

Why Choose Our High-Risk Payment Gateway?

Accept payments without limits — our high-risk gateway offers instant access, no KYB, open-source transparency, full chargeback protection, and support for even $1 transactions.

Officially Approved and Listed on WordPress.org

This ensures the plugin meets WordPress.org’s high standards for security, performance, and compatibility.

Open Source and Developer-Friendly

Built with transparency in mind. The full source code is available on GitHub, allowing you to inspect, modify, or contribute freely.

Supports Transactions Starting at ≈ $1

Some providers support low payments — as low as $1. Ineligible options are hidden automatically at checkout.

Instant Approval and Access (No KYB)

No signup or waiting required. Merchants also gain privacy by staying anonymous, as no KYB is required.

Multiple Payment Methods

Credit/Debit Cards (Visa, Master and Maestro), Apple Pay, Google Pay, ACH and SEPA.

Built for High-Risk Businesses

Enjoy guaranteed secure transactions with no risk of account bans or frozen funds.

Instant Payout

The payout is instantly into your USDC wallet.

Full Chargeback Protection

All payments are final and non-reversible.

Auto-Hide Low Minimum Payment Options & Automatic Order Processing

Automatically hide low-minimum payment options to reduce cart abandonment and streamline checkout. Buyers can easily choose the best available method for a smoother purchase experience. Plus, instant payment processing enables automatic fulfillment for both digital and physical products, ensuring seamless transactions.

Screenshots

See how our high-risk payment gateway works — from easy plugin setup to a seamless, secure WooCommerce checkout experience.

shieldclimb high-risk card payment gateway plugin setting page

Plugin Setting Page

shieldclimb high-risk card payment gateway checkout page

Checkout Page

Prohibited Businesses We Do Not Support

Any merchant gets instant approval for our High-Risk Payment Gateway, but illegal activities are strictly prohibited. We may restrict access for abuse. The following businesses are banned without notice:

  • Illegal activities, including any commercial operations associated with criminal enterprises or dark web activities.
  • Fraudulent shops and scams, including businesses that fail to deliver goods or services after receiving payment.
  • Intoxicating substances, including but not limited to alcohol, liquor, narcotics, and any medications, plants, or herbs with narcotic or recreational effects.
  • Adult content, including pornography, nudity, or any form of filmed sexual activity.
  • Gambling and betting, including casinos and other wagering activities.
  • High-risk complaints, including repeated reports from customers, payment providers, or law enforcement regarding fraudulent or unethical practices.

How to Install High-Risk Payment Gateway on WooCommerce

Option 1: Installation from within WordPress (Recommended)

  1. Go to Plugins > Add New Plugin.
  2. Search for ShieldClimb Card Payment Gateway.
  3. Install and activate the ShieldClimb Card Payment Gateway plugin.
  4. Go to “after activation” below.

Option 2: Manual installation

  1. Download Free on WordPress.org
  2. Go to Plugins > Add New Plugin > Upload Plugin > Choose File (Choose the file you downloaded just now).
  3. Install and activate the ShieldClimb Card Payment Gateway plugin.
  4. Go to “after activation” below.

After Activation

  1. Setup at WooCommerce > Settings > Payments tab.
  2. Activate the payment gateway provider and make sure you insert your valid USDC (Polygon) wallet to receive instant payouts.
  3. You can customize the payment gateway logo by inserting a desired logo image link.
  4. After following these steps customers will be able to use their credit cards to pay for orders on your website.

Get Started with the Best Payment Gateway

Ready to get started? Download the Officially Approved ShieldClimb Card Payment Gateway with Instant Payouts and Chargeback Protection on WordPress.org and enjoy secure, reliable payments for your high-risk business.

View on GitHub
Direct Download (ZIP from WordPress.org)

Version: 1.2.5
Requirement: WordPress 5.8 or higher, PHP 7.2 or higher, WooCommerce 5.8
Tested up to: WordPress 6.8 and WooCommerce 9.9.5

Last Updated: July 6 , 2025

License: GPLv3
Author: ShieldClimb

Tutorial Video: How to Accept Credit Card Payment on WordPress & WooCommerce (2025) – Free, Instant, High Risk Ready

Want to accept credit card payments with instant payouts on your WordPress website and WooCommerce store without worrying about service interruptions or shutdowns? In this video, we’ll show you how to securely and reliably accept card payments using our free card payment gateway and credit card payment processor plugin for WooCommerce — built for all types of businesses, including those needing a high risk payment processor.

Changelog

See what’s new in our high-risk payment gateway plugin — from bug fixes to feature updates, all listed version by version.

Version 1.2.5 – 2025-07-06

  • Updated: Tested up to WooCommerce 9.9.5
  • Updated: Payment providers list

Version 1.2.4 – 2025-06-16

  • Updated: Tested up to WooCommerce 9.9.3
  • Fixed: Adjusted the payment gateway title to display correctly in WooCommerce settings after changes introduced in WooCommerce 9.9.3
  • Updated: Payment providers list

Version 1.2.3 – 2025-04-10

  • Readme file to include tutorial video link.

Version 1.2.2 – 2025-04-10

  • Updated: Tested up to WordPress 6.8 and WooCommerce 9.8.1
  • Improved: Code organization and optimization.
  • Updated: Heading format corrections.

Version 1.2.1 – 2025-03-27

  • Fixed payment options not appearing on the “Pay for Order” page.

Version 1.2.0 – 2025-03-25

  • Automatically hide Stripe and Robinhood payment methods if the buyer is not from the US, as these options only support the US region.

Version 1.1.0 – 2025-03-18

  • Ability to auto-hide payment providers by minimum balance.

Version 1.0.0 – 2025-02-18

  • Initial release, providing a high-risk payment gateway with USDC Polygon Wallet payouts.
  • Includes full chargeback protection and automatic order processing.

Track WooCommerce Payments and Payouts Easily

Click the button below to view your payment and payout history — easily track high-risk WooCommerce transactions in real time with full visibility and instant settlement.

Track Now

High-Risk Payment Gateway FAQ

Everything you need to know about our high-risk payment gateway — answered.

ShieldClimb’s High-Risk Payment Gateway is specifically designed for industries often labeled “high-risk” by traditional banks, such as Tech & Digital Services, Travel & Ticketing, and more. Unlike standard payment processors, ShieldClimb offers low transaction fees, full fraud protection, seamless integration with platforms like WooCommerce, and global payment acceptance. This makes it an ideal solution for businesses facing challenges with traditional gateways.

No! There’s no KYB verification required. Simply install the plugin, integrate it with WooCommerce, and start accepting payments immediately.

Yes! Our gateway supports global transactions, including Visa, Mastercard, Apple Pay, Google Pay, ACH, SEPA, and more.

Your earnings are instantly transferred to your USDC wallet—no waiting periods or payout holds.

Yes. All transactions are final and non-reversible, providing full chargeback protection to merchants.

Absolutely. Security is our priority. Our plugin supports PCI-compliant payment processing to protect sensitive customer data and ensure safe transactions.

Our processing fees depend on the payment provider and order amount, with larger orders generally benefiting from lower rates. As a merchant, you can choose to cover the fees yourself or pass them on to the customer. Our fee is 1.5%, with the remainder set by the payment provider.

This small fee allows us to carefully select and test high-quality payment providers before adding them to our network, ensuring reliability and security. Additionally, we enhance the checkout experience by automatically hiding low-minimum payment options, making it easier for buyers to choose the best available method. All applicable fees are transparently displayed at checkout.

This plugin is licensed under GPLv3 (General Public License v3).

Yes! It’s fully open source and available on GitHub.

Yes, it’s open-source and officially approved on the WordPress Plugin Directory.

Still have questions? Read our blog for more insights on high-risk payment gateways for WooCommerce. Or, find fixes for the Payout Wallet Address Error and No Payment Methods Available issues.

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