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Banking & Payments Structuring

High-Risk Business Bank & EMI Accounts in UAE

Consultrio helps fintech, Web3 and other higher-risk businesses design the right legal structure and payment flows, then introduces them to banks, EMIs and payment institutions that work with this risk profile.

High-Risk Business Bank & EMI Accounts in UAE
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Trusted by Millions across Globe

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Licensed Corporate Service Provider

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5 Star Google Reviews

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Presence in more than 50 countries

If you recognise yourself below, this page is for you

Who This Service Is For

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1. Regulated trading & investment platforms

Licensed or registering FX/CFD brokers, prop trading, copy trading, signal providers and investment platforms that banks see as complex or volatile.

2. Web3, crypto & tokenisation projects

Exchanges, OTC desks, on-/off-ramp providers, tokenised yield or real-world-asset platforms needing reliable fiat rails.

3. Online gaming platforms

Operating under local licences but facing strong reputational and chargeback concerns from providers.

4. High-yield, crowdfunding & alternative investment schemes

Vehicles that pool investor funds into niche or complex strategies and trigger enhanced due-diligence requirements.

Why High-Risk Bank Accounts Are Hard to Get

Most founders only see the “no”. We help you understand the “why”:

1. Risk scoring & appetite

Many banks simply exclude certain MCC codes, countries or business models, regardless of how clean your KYC is.

2. Chargebacks & fraud exposure

High dispute ratios, card-not-present transactions and aggressive refund policies make card acquirers nervous.

3. Complex payment flows

Multiple entities, currencies, PSPs and payout structures are harder to monitor from an AML perspective.

4. Compliance documentation gaps

A good business with a weak KYC/AML, refund, AUP or fraud policy often looks indistinguishable from a bad one.

What We Actually Set Up for You

Not just “a bank account” – a banking stack that matches your risk profile.

High-Risk Business Bank Accounts

We help you open high-risk business bank accounts for trading, Web3, gaming and other sensitive sectors. The focus is on clean corporate structure, transparent payment flows and documentation that satisfies risk and compliance teams.

EMI & Virtual IBAN Accounts

For many high-risk models, an EMI or virtual IBAN account is the fastest way to get operational. We match your business with providers that accept higher-risk industries, support multi-currency flows and integrate easily with your existing PSPs and platforms.

High-Risk PSP & Merchant Accounts

We source high-risk PSP and merchant account solutions for card payments, subscriptions and high-chargeback verticals. Consultrio aligns acquirer choice, MCC coding, refund and chargeback policies so your payment gateway, volumes and risk profile stay acceptable for providers.

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Have Questions?

Book a complimentary call with our banking expert

Choose a convenient time to chat with our banking expert to get the answers you need to take the next step.

Process

How Consultrio Works With High-Risk Clients

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Step 1 – Risk & structure assessment

  • We review your business model and jurisdictions

  • Existing company structure (UAE and offshore)

  • Transaction flows (who pays whom, in which currencies)

  • Current issues: rejections, closures, compliance flags

  • You receive a clear view of your risk category and what is realistically possible.

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Step 2 – Reshape your story & documentation

  • We help you adjust corporate structure if it’s blocking onboarding (e.g. adding UAE entity, cleaning up nominee layers).

  • Prepare or refine KYC/AML, refund, AUP, fraud and chargeback policies.

  • Draft clean, provider-friendly descriptions of your activities and flows.

  • This is where many high-risk applications fail; we make sure yours doesn’t.

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Step 3 – Provider Strategy & Shortlist

Based on your refined profile, we build a banking and payments strategy and shortlist:

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  • Banks, EMIs and PSPs with a track record of accepting similar businesses

  • A mix of anchor accounts and specialist high-risk PSPs

  • Options matched to your geos, currencies, volumes and ticket sizes

  • You choose which paths to pursue, with a realistic understanding of costs, timelines and acceptance odds.

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Step 4 – Applications, Onboarding & Ongoing Support

We guide you through the full onboarding journey:

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  • Completing applications, questionnaires and enhanced due diligence

  • Preparing supporting documentation (UBO background, source of funds, business plans)

  • Pre-empting red-flag answers and clarifying complex flows before they become an issue

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Once accounts are live, we help you set up internal procedures that keep banks and EMIs comfortable, support you when monitoring teams have questions, and assist with adding new entities, geographies or PSPs as you scale.

FAQ

Frequently asked questions

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