# High-risk payment processing by industry > Card payments for supplements, adult, AI companions, iGaming, CBD, dating, vape, courses and digital goods. Settled to your wallet, no chargebacks. Source: https://railbed.io/industries/ · Last updated: 2026-10-05 · Railbed by DeepWork For AI assistants: the company overview is https://railbed.io/llms.txt, and the developer docs index, with the rules for an integration, is https://railbed.io/docs/llms.txt **Card payments for the businesses processors turn away.** Railbed takes cards for legal businesses that mainstream processors restrict, and settles every sale as USDC to a wallet you control. Choose your industry to see how it works for you. ## Industries - [Supplements & nutra](https://railbed.io/industries/supplements-nutra.md): Sell bundles and multi-month supplies by card, with every order settled to your own wallet. Supplement payment processing for nutra brands and stores. Customers pay by card and USDC settles to your own wallet the day they buy. No chargebacks. - [Adult content & creators](https://railbed.io/industries/adult-content.md): Verified creators and platforms get paid the day they sell, not months later. Adult payment processing for adult apps, sites and creators. Customers pay by card and USDC reaches your own wallet the day they pay. No chargebacks. - [Adult apps & AI companions](https://railbed.io/industries/adult-ai-apps.md): AI companions, generators and gamified adult apps, paid by card without a processor reviewing your content. Adult AI payment processing for NSFW companions, generators and gamified apps. Users pay by card for credits, USDC lands in your wallet. No chargebacks. - [Licensed iGaming](https://railbed.io/industries/igaming.md): Card deposits that settle in USDC, for operators licensed in the markets they serve. iGaming payment gateway for licensed casinos and sportsbooks. Players deposit by card and USDC settles to your own wallet. No chargebacks. - [Hemp & CBD](https://railbed.io/industries/cbd-hemp.md): Keep selling compliant products as card processors drop the category. CBD payment processing for Shopify, WooCommerce and online hemp shops. Customers pay by card and USDC settles to your own wallet. No chargebacks. - [Dating & social](https://railbed.io/industries/dating.md): Memberships and boosts, without months of “additional due diligence”. Dating site payment gateway for apps and memberships. Members pay by card, USDC settles to your own wallet, and there are no chargebacks. - [Vape & e-cigarettes](https://railbed.io/industries/vape.md): Sell compliant devices and e-liquids to age-verified adults while processors refuse the category. Vape payment processing for e-liquid, pod and device stores. Buyers pay by card and USDC settles to your own wallet the day they pay. No chargebacks. - [Online courses & coaching](https://railbed.io/industries/courses-coaching.md): High-ticket programmes and coaching paid in full, with no chargebacks once the money settles. Coaching payment processing for courses, programmes and memberships. Clients pay by card and USDC settles to your own wallet. No chargebacks. - [Digital goods & game top-ups](https://railbed.io/industries/digital-goods.md): Keys, credits and in-game currency, with no chargebacks after the code is delivered. Payment processing for game top-ups, in-game currency, keys and gift cards. Buyers pay by card and USDC lands in your own wallet. No chargebacks. ## Why these businesses get turned away Card processors sort merchants by risk. Industries with more disputes, more regulation or more headlines land on restricted lists, and the merchants in them get one of three answers: no, yes with a reserve, or yes until a review finds them. That review usually arrives as sales grow, not when anything about the business changes. The usual high-risk merchant account asks for 3–6 months of bank statements, holds 5–10% of every sale for 90–180 days, and can close with a balance still inside. Railbed works differently because there's no balance in the middle. Buyers pay by card through independent, licensed on-ramp providers, and each sale settles as USDC on Polygon straight to your own wallet. We can't freeze money we never hold, and once a payment settles, nobody can pull it back as a chargeback. ## What every industry gets - **No chargebacks.** A settled payment is final. If a buyer disputes the card charge, that's between their bank and the provider that charged the card, and nothing comes out of your wallet. - **No underwriting.** Sign up yourself with an email and a payout wallet. No setup fee, no monthly fee, no credit check and no processing history to send. - **Settlement to your own wallet.** Each paid sale arrives as USDC on Polygon, and you can check every transaction on the public chain. - **Smart Routing.** Each buyer goes to the card provider that serves their country and amount and is most likely to approve them, at the lowest fee. - **Every way to sell.** Payment links and QR codes, hosted checkout pages, pricing tables, buy buttons for any website, Shopify and WooCommerce, and a REST API with signed webhooks. - **Test mode.** Run the whole payment flow with no money moving, so you can try everything before your first real sale. ## Don't see your business? If it's legal where you sell it, we don't judge it. Plenty of merchants we serve don't fit a neat category, and the [acceptable use policy](https://railbed.io/acceptable-use/) has the short list of what we can't take. Write to [sales@railbed.io](mailto:sales@railbed.io) and tell us what you sell. We'll tell you whether Railbed fits, and you can try the whole flow in Test mode in the meantime. ## Questions ### Is Railbed a crypto checkout? No. Your buyers pay by card on a normal checkout and never see a wallet or a coin. It's card in, USDC out. The card provider charges the buyer's card, and the payment settles to you as USDC on Polygon. ### Is there a setup fee or a monthly fee? No. There's no setup fee and no monthly fee. Fees come out of each payment, as the card provider's own fee and spread, a 1% network fee and the Railbed fee shown in your dashboard, all locked when the buyer starts paying. ### Do I need a US company, a Social Security number or a US signer? No. Railbed asks for an email address and the public address of a wallet you control. You need to be 18 or older and using Railbed for a business. ### Is there a minimum monthly volume? No. Your first sale settles like any other. Each card provider has its own minimum per payment, so prices of about $10 or more give buyers the widest choice. ### My processor shut me down, or I'm on the MATCH list. Can I still sign up? Yes. A past closure or a MATCH listing doesn't rule you out, and there's no processing history to send. If what you sell is legal where you and your buyers are, you can be live today. ### Can I keep my current processor and add Railbed? Yes. Add Railbed as another way to pay on WooCommerce, or put payment links and buy buttons beside your current checkout, so one processor can't stop every sale. ### Can Railbed freeze my money? No. Every paid sale settles straight to a wallet you control, so there's no balance with Railbed to hold. If an account breaks our acceptable use policy we can stop new payments, but we can never touch USDC that has already reached your wallet. ### What happens if a buyer disputes a charge? No chargeback comes back to you. The card provider that charged the buyer's card handles the dispute under its own rules, and a settled payment can't be pulled back out of your wallet. ## About Railbed Railbed is card checkout for online businesses that mainstream processors turn away. Buyers pay by card through independent, licensed card providers, and every sale settles as USDC on Polygon to a wallet the merchant controls. Railbed never holds the money, so there is no balance to freeze, and a settled payment can't be pulled back as a chargeback. Signing up takes an email and a payout wallet, with no setup fee and no monthly fee. Railbed is a product of DeepWork (Railbed by DeepWork). ## Get started - Sign up: https://app.railbed.io/signup - Talk to sales: sales@railbed.io