A private payment gateway,
for merchants traditional acquirers turn away.
IceTree places qualified merchants with a specialist payment-gateway partner that operates outside the standard high-risk acquiring model. Direct settlement to a merchant-controlled wallet, no rolling reserve, and same-day live status for merchants who fit the acceptance criteria.
Talk to us about placementDelivered by a specialist gateway partner.
WHAT MERCHANTS GET
Four features that fix the usual high-risk pain.
Same-day onboarding for pre-qualified merchants
The partner operates a self-serve acceptance model. Qualified merchants skip the standard 5–14 day KYB queue and can be live the same day.
No rolling reserve
Instead of the 5–15% typically held over 180 days by traditional high-risk acquirers, funds settle directly to a merchant-controlled wallet. Working capital stays with the business.
Rapid settlement — measured in hours
On-request settlement cycles of hours rather than days. Removes the working-capital drag of T+3, T+7, or the T+14 that some high-risk verticals carry.
Self-custody by design
Unique deposit address per customer with automatic sweep to cold storage. Funds settle to a wallet the merchant controls end-to-end — no custodial counterparty risk to explain to the board.
WHAT MERCHANTS CAN ACCEPT
The capability set at a glance.
Fits e-commerce, marketplaces, iGaming, and other verticals mainstream acquirers routinely decline.
| CAPABILITY | DETAIL |
|---|---|
| Card-to-crypto onramp | Customers pay by card; merchant settles in stablecoins. |
| Geographic coverage | Broad currency and country coverage via the partner platform. |
| Crypto & stablecoin support | USDT, USDC, BTC, ETH, SOL, TRX and other major tokens. |
| Integration | APIs, pre-built connectors, e-commerce plugins (incl. WooCommerce), payment links. |
HOW ICETREE FITS IN
The placement runs
through our partner.
- IceTree handles the introduction and matches the merchant profile to the partner's acceptance criteria.
- We support integration alongside the partner's onboarding team through go-live.
- Same merchant-side commercial model as our card-acquiring, banking, and payout placements — free to merchants, paid by the partner on placement.
- Ongoing account health monitoring and rate benchmarking sit with IceTree, as they do across our other placements.
LOOKING AHEAD
IceTree is evaluating running an operator variant of this gateway in 2027 — bringing infrastructure fully in-house rather than delivering it via a partner. Merchants placed today through the partner get first look at that offering when it's ready.
FAQ
Common questions answered.
Is this the fit for you?
The fastest way to find out is a call. Share your business model, volume profile, and current setup — we'll come back with a straight yes / no on partner acceptance, plus what to prepare.