TGToken Gesture

Payments infrastructure for high risk

We underwrite the business, not the category code.

Most processors decline on four digits before a human reads the file. We read the file — your refund policy, your descriptor, your dispute handling — and board you on that. Adult and creator subscriptions, dating, supplements and gaming, on one gateway.

Decision in four business days · No setup fee · Keep your existing checkout

Underwriting file · TG-48812 In review
MerchantParamoura Pty Ltd
CategoryMCC 5967
Billing modelP1M / P1Y
Monthly volumeA$412,000
Chargeback ratio0.61%
Prior processorTerminated Apr 2026
Assessing 3 acquirers
queried
// one call, any of five currencies
const { checkout_url } = await billing.checkout.create({
  organisationId, plan, currency: "AUD",
});
5Settlement currencies, AUD included
11Lifecycle events, all reconciled
0Pages of PCI scope on your side
4 daysMedian time to an underwriting decision
Who we underwrite

Four categories, and no surprise offboarding.

These are the categories we already board, and the evidence we ask for in each. Approval is a decision about your business, so it holds: we don't quietly reverse it eight months later because a risk model updated and your MCC came up.

MCC 5967

Adult & creator subscriptions

Recurring content access, tiered membership, pay-per-message. Age verification and consent records reviewed at onboarding, not after a complaint.

MCC 7273

Dating & companionship

Subscriptions, credits and boosts, built for the refund pattern dating actually has rather than the one retail models assume.

MCC 5122

Nutraceuticals & supplements

Trials and continuity billing, with negative-option rules enforced in the rebill engine so a trial can't quietly become a dispute.

MCC 7995

Gaming & skill wagering

Jurisdiction-scoped acceptance, per-country BIN routing, and licence evidence held on file for the acquirer.

The gateway

Everything a subscription business needs, plus the parts high risk adds.

The billing surface is ordinary — plans, subscriptions, discounts, statements. What's different sits underneath: acquirer cascading, dispute alerting, and settlement in a currency your treasury can actually bank.

Cascading acquirers

A soft decline retries against the next acquirer on your file inside the same authorisation window. Your customer sees one attempt.

Pre-chargeback alerts

Ethoca and Verifi alerts refund the order before it becomes a chargeback, so the transaction never lands in your ratio.

Rebill engine

Monthly and yearly periods as ISO 8601 durations, trials, scheduled plan changes, and cancel-time retention discounts.

Five currencies, banked

AUD, NZD, USD, EUR and JPY priced natively in minor units. JPY is zero-decimal and stays that way end to end — no silent ×100.

Dunning that isn't spam

Retry schedules tuned per issuer BIN, card-updater lookups before the first retry, and a hard stop before retries become complaints.

Reserve you can see

Rolling reserve balance, release schedule, and every held transaction listed in the dashboard. High risk means a reserve; it doesn't mean a mystery.

01 · YOUR BACKEND 02 · HOSTED PAGE 03 · ACQUIRER 04 · POSTBACK checkout.create() Customer pays Cascade & auth Subscription Signed URL returned No card data touches you PCI scope sits here 3-D Secure where required Soft decline retries the next acquirer on file status → active HMAC-SHA256 signed POST /webhooks · X-Webhook-Signature · 11 event types
Built for developers

Integrate in an afternoon, not a quarter.

One typed npm package wraps the service API. No card data reaches your servers, so your PCI scope stays exactly where it is today.

Hosted checkoutReturn a signed URL and redirect. The payment page is ours.
Signed webhooksHMAC-SHA256 with constant-time comparison in the package.
Sandbox from day oneTest keys and a full event simulator before you're boarded.

Explore the API reference

import { BillingClient, isEntitled } from "@token-gesture/billing";

const billing = new BillingClient({
  baseUrl: process.env.BILLING_API_URL!,
  apiKey:  process.env.BILLING_API_KEY!,
  subject: "organisation",
});

const sub = await billing.subscriptions.get({ organisationId });

if (isEntitled(sub)) {
  // active, trialing, or past_due
  grantAccess(sub.plan_slug);
}
Settlement & reserve

The terms most gateways bury in schedule B.

Every high-risk processor holds a reserve. The difference worth choosing on is whether you were told the number before you integrated.

TermStandardElevatedScale
Rolling reserve5%10%From 0%
Reserve held for180 days180 daysNegotiated
Payout scheduleWeekly, T+7Weekly, T+14Daily available
Settlement currencyAUD EUR USDAUD EUR USD+ NZD JPY
Chargeback ratio ceiling0.90%1.40%Per acquirer
If the ceiling is breachedRemediation planRemediation planDedicated risk lead

Send us the file. We’ll read all of it.

Tell us your category, your monthly volume and your last twelve months of chargebacks. We'll tell you within four business days whether we can board you, and at what rate.