Banking · Payments · FX · Acquiring · 130+ Jurisdictions

Specialist payment and banking infrastructure for high-friction sectors.

GenerateFX connects complex businesses and payment firms to 60+ regulated providers across 130+ jurisdictions — specialist banking, FX, and acquiring accessible through our partner network. Built for the sectors mainstream banks won't serve.

GenerateFX is not a bank, EMI, or payment processor. We are an independent specialist access layer — connecting high-friction businesses and payment firms with the regulated providers built for their sector, jurisdiction, and payment requirements.

Access via
130+ jurisdictions
GenerateFX · Account Panel
System active  ·  3 accounts live
GBP 24,500 received
Today, 09:14
SEPA
USD 8,200 sent
Today, 08:52
SWIFT
EUR 31,000 received
Yesterday, 17:30
SEPA
ONBOARDING SLA
48h
48h to live account
IBAN ACCOUNTSCARD PROCESSINGSWIFT & SEPACRYPTO RAILSMULTI-CURRENCY130+ JURISDICTIONS60+ REGULATED PARTNERS48H ONBOARDINGFX & PAYMENTSBANKING INFRASTRUCTUREiGAMINGCRYPTO & WEB3SPECIALIST FINANCENAMED IBANsUSD · EUR · GBP · AED
IBAN ACCOUNTSCARD PROCESSINGSWIFT & SEPACRYPTO RAILSMULTI-CURRENCY130+ JURISDICTIONS60+ REGULATED PARTNERS48H ONBOARDINGFX & PAYMENTSBANKING INFRASTRUCTUREiGAMINGCRYPTO & WEB3SPECIALIST FINANCENAMED IBANsUSD · EUR · GBP · AED
130+
Jurisdictions covered across the specialist partner network
60+
Regulated providers accessible through our partner network
48h
Typical onboarding SLA with complete documentation
200+
Fiat and crypto currencies supported across the network
Payment rails & infrastructure
What you can access

Specialist infrastructure.
Built for these profiles.

We don't refer into the void. Our partner network covers the full stack — banking, card processing, FX, and crypto rails — across 130+ jurisdictions.

Named IBAN Banking
Dedicated EUR, GBP, and USD named accounts — not pooled. SWIFT and SEPA rails. Cross-border payments with competitive FX conversion built in.
EUR · GBP · USD Named IBAN SWIFT · SEPA 48h SLA
Card Processing
Merchant acquiring for sectors standard acquirers won't touch. 16 global acquiring banks. High chargeback ratios handled. No minimum volume requirement.
Visa · Mastercard Apple Pay High-risk OK Multi-acquirer
FX & Cross-Border
Competitive FX infrastructure with multi-currency wallets. Conversion at near-interbank rates. High-volume cross-border flows across 130+ corridors.
200+ currencies Multi-currency wallet 130+ corridors High volume
Crypto Rails
USDT, BTC, ETH, and USDC — on-ramp and off-ramp. Crypto-to-fiat settlement. Virtual IBANs with crypto conversion built in. Ideal for Web3 and UHNW clients.
USDT · BTC · ETH On/off ramp Crypto-fiat Web3 friendly

The infrastructure gap

Whether you need the infrastructure — or somewhere to route clients who do.

High-friction businesses face systematic de-banking. Payment firms watch qualified prospects leave unserved. Both problems flow through the same gap in specialist access.

Banking infrastructure should not fail because of the sector you operate in.
Whether you've been declined outright, you're running on a single processor with no backup, or your clients are outside your risk appetite — the underlying problem is access. GenerateFX provides the structured route to specialist infrastructure that's already built for your profile.

Declined at the door

High street banks and mainstream acquirers apply blanket sector restrictions. Compliant, regulated businesses are refused based on category — not substance.

Revenue and relationships lost

For payment firms, declined clients mean acquisition spend written off. For businesses, it means trading disruption, stalled growth, and a search that starts from scratch.

No structured access route

Finding specialist providers takes months of cold applications and wasted submissions. GenerateFX removes the guesswork by matching against real, current provider appetite.

Complex business needing better infrastructure?

Run a free health check on your current banking and payments setup.

Free health check →

Payment firm with clients outside your risk appetite?

Turn declined flow into structured revenue. Clean referral arrangement.

Introducer model →

Where we operate

The sectors mainstream banks
have abandoned.

Real businesses with real cross-border payment needs. Banks won't touch them. We've built specialist infrastructure for each one.

iGaming & Sports Betting
20–40% card decline rates. Credit card gambling ban adds complexity. Even fully licenced operators get auto-blocked by acquiring banks.
Very High Friction →
Crypto & Web3
Accounts frozen without warning. Banks treat all crypto exposure as maximum risk, regardless of compliance posture or jurisdiction.
Very High Friction →
CBD & Hemp
Legal in the UK. Irrelevant to most banks. PayPal, Stripe, and every major high-street bank decline this sector regardless of licencing.
Very High Friction →
Peptides & Research Chemicals
Stripe and Shopify both ban peptide sellers outright. Specialist processors charge punishing rates. Accounts frozen without notice.
Very High Friction →
Nutraceuticals & Supplements
Subscription and continuity models flagged for chargebacks. Most banks avoid the category entirely — even established, compliant brands.
High Friction →
Vaping & E-Cigarettes
Reputational risk classification across acquirers. FX friction on China manufacturing imports and EU/US export flows compounds the problem.
High Friction →
Adult Content & Services
Post-2020 Visa and Mastercard rule changes. Specialist processors charge 5–10% merchant fees. Most mainstream rails now refuse the sector.
Very High Friction →
Performance Marketing & Affiliates
High-volume international payouts through high-street banks at 2–3% FX spread. Straightforward to fix with the right infrastructure in place.
High Friction →
Client scenarios

Where this works.

Based on real profiles across the sectors we operate in. Outcomes depend on individual circumstances — every case is assessed individually.

"We were declining 15-20 clients a month with nowhere to send them. GenerateFX gave us a clean referral route. Our clients get placed, we earn on the arrangement, and nobody walks away empty-handed."
Business Development Manager
UK-Regulated EMI
"We'd lost two merchant accounts in 12 months. GenerateFX had us set up with a named IBAN and card processing that actually handles our sector. Account live within 48 hours of submitting documents."
Founder
Nutraceuticals & Supplements
"Traditional banks constantly flagged our activity. From day one, GenerateFX understood our model. Seamless banking and payout options that finally let us scale without the fear of account closures."
Head of Finance
iGaming Operator

Testimonials are paraphrased. Individual outcomes depend on specific circumstances and available infrastructure at time of engagement.


How it works

How GenerateFX works.

From initial assessment to live infrastructure — a structured process built around provider appetite, not guesswork.

01

Assess

We understand your sector, jurisdiction, currencies, volumes, and current infrastructure gaps before anything is submitted to any provider.

02

Match

We identify providers with genuine appetite for your specific profile — before applications are made and before you waste time on unsuitable routes.

03

Introduce

Direct, warm connection to the right regulated banking or payment partner. We support the introduction and onboarding process through to completion.

04

Build resilience

Reduce dependency on single providers. Build payment infrastructure that doesn't collapse when one banking relationship changes or one acquirer pulls approval.

Who we work with

The firms with the clients
they can't serve.

GenerateFX is a City of London deal origination network with relationships across UK and UAE financial services. We work with the firms that have declined client flow — and the businesses on the receiving end of that rejection.

  • EMI BDMs and compliance teams with clients outside their risk framework
  • MSBs and crypto processors with onboarding restrictions
  • iGaming payment managers whose clients get blocked or de-banked
  • Banking relationship managers with clients they can't fully service
  • Accountants and advisers with business owner clients facing banking friction
Client profiles we place
iGaming operators Crypto businesses CBD & hemp brands Peptide sellers Adult content platforms Vaping & e-cigarette retailers Nutraceutical brands Affiliates & performance marketing Higher-risk jurisdictions Complex ownership structures LatAm / MENA exposure UAE-incorporated entities Multi-currency operations MSBs

From the network

Recent placements.

Anonymised examples from active engagements. Every case is assessed individually — these illustrate the types of situations GenerateFX handles.

Digital Asset Platform · Europe
£10m/month cross-border flow. No suitable IBAN infrastructure.
Digital asset and FX platform required named IBANs across EUR, GBP, and USD — with crypto on/off-ramp capability. Mainstream banking declined. Multiple specialist approaches had failed.
→ Matched to specialist provider. Named accounts established. Volume commencing within 30 days of technical integration.
Performance Marketing · UK / Australia / Canada
15,000+ daily FTD transactions. Existing acquirer unable to support volume.
Education platform generating first-time deposit traffic across three markets required card acquiring with resilient cross-border capability. Previous provider could not scale with growth.
→ Card processing arranged with appropriate acquirer. Referral agreement signed. In onboarding.
Cross-Border Payments / MSB · Eastern Europe
15,000+ client base requiring corporate IBANs across multiple jurisdictions.
MSB with offices across Europe and Dubai required structured IBAN infrastructure for corporate clients, international payment flows, and individual clients moving funds cross-border.
→ Multi-jurisdiction IBAN solution being assessed. Referral agreement in place.
Merchant Services · EMI Introducer
SEPA portfolio of €10m+ across 50+ merchants. Banking provider withdrawn.
Acquirer lost primary banking provider for SEPA portfolio. Multiple adult and dating merchants required urgent alternative banking infrastructure. Time-critical placement.
→ Three structured deal streams identified. Commission structure agreed. Progressing.

All examples are anonymised. Outcomes depend on individual circumstances and available infrastructure at time of engagement.

Access the infrastructure
your sector actually requires.

Whether you're a complex business or a payment firm with clients to place — talk to us. No obligation, one business day response.

Get in touch →
Get in touch

Tell us about your situation.

Whether you have clients you can't onboard or a business struggling with banking access — fill in the form and we'll come back to you within one business day.

One business day response. All enquiries treated in strict confidence.