Low risk
Example industries
SaaS & software subscriptions, digital products & downloads, online courses & education, B2B agencies & professional services, freelance services with purely digital delivery
Onboarding
Self-serve signup → basic KYB → automated verification → live
Medium risk
Example industries
E-commerce (physical goods), content-creator & tipping platforms, online communities & membership sites, general marketplaces, subscription boxes
Onboarding
Self-serve signup → basic KYB → automated verification → live
High risk
Example industries
Adult content, dating, crypto services, online gaming, nutraceuticals, firearms, debt collection, travel, vape, CBD, credit repair
Onboarding
Self-serve signup → basic KYB → instant access to crypto/local rails → extra KYB + manual underwriting for cards (24–48h)
All tiers get instant settlement on crypto and local payment rails. Card processing for High risk merchants goes through further KYB and manual underwriting before going live, reflecting the extra diligence our sponsor banks and processors require for those categories.
This page covers what changes tier to tier. For the full list of categories Pagoramp doesn't support under any tier, see the Acceptable Use Policy.