Operating out of Tallinn, Estonia, OctonPay is quickly gaining traction among digital businesses needing fast onboarding, flexible payment flows, and a risk-tolerant partner for verticals like affiliate marketing, nutraceuticals, adult content, and crypto-related services. We interviewed Elena Smirnova, who oversees partnerships and channel growth at OctonPay, to explore the firm’s niche positioning and growing network across EEA and beyond.
Who is Elena Smirnova?
Elena brings over a decade of experience in business development and partnerships, having worked with international PSPs, affiliate platforms, and payment aggregators. She joined OctonPay in 2021 and has since expanded its partner portfolio to 100+ entities, including high-risk merchant consultants, crypto-friendly EMIs, and alternative payment method aggregators.
Interview
What is OctonPay in one sentence?
We’re a high-risk friendly PSP offering acquiring, local payout rails, and compliance-savvy payment solutions for hard-to-bank digital merchants.
What products do you offer?
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Global acquiring (VISA/MasterCard/AMEX via offshore & EU setups)
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SEPA & SWIFT merchant payouts
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Alternative payments (PIX, UPI, crypto-in)
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White-label hosted payment pages
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Dashboard with transaction analytics
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3DS2 and velocity fraud controls
Are you licensed?
We are not an EMI ourselves. OctonPay operates under agent relationships with EU-regulated EMIs and partnered acquirers across EEA and LatAm.
What is your onboarding timeframe?
For high-risk verticals, 5–10 business days. For low-risk B2B merchants, sometimes under 72 hours.
What merchant categories do you support?
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Affiliate and leadgen platforms
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Nutraceuticals and wellness subscriptions
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Licensed adult content
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Licensed crypto exchanges (FIU registered)
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Influencer and digital goods marketplaces
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Web3 wallets and NFT projects (compliant only)
What do you not support?
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Unlicensed gambling
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Shell companies
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Anonymous crypto mixers
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Pyramid/MLM schemes
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Sanctioned jurisdictions or high-chargeback setups
What are your most popular payout methods?
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SEPA for EU-based merchants
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SWIFT to offshore corporates
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Crypto payouts in USDT/TRC20
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Local bank transfers (LatAm, India, MENA via partners)
How do you price your services?
Pricing depends on vertical, volume, and geography. Acquiring fees from 3.9–6.5%, payout fees from €15–€40 depending on rail. SEPA is usually free.
Do you offer BIN sponsorship or card issuing?
No — we focus on acquiring and payouts. We partner with card programs and issuing BIN sponsors for clients needing this.
What integrations are available?
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API (REST)
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Hosted Checkout Pages
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Plug-ins for WooCommerce, Shopify, and Webflow
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Webhooks and CRM integrations (Keitaro, Voluum)
Do you work with offshore companies?
Yes — especially if they have substance or demonstrable operational history. BVI, Seychelles, and HK are accepted depending on the setup.
What fraud controls are included?
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3DS2 + fallback logic
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IP geolocation rules
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Velocity checks and BIN rules
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Chargeback ratio alerts
What’s your key differentiator?
We specialize in verticals many EU acquirers avoid. Our partner network allows us to mix onshore/offshore flows while keeping KYC clean and real-time risk monitored.
Are you crypto-friendly?
Yes — as long as the project is regulated or registered. We help with EUR and USD on/off-ramp solutions via OTC partners.
What’s your geographical focus?
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EU/EEA
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CIS
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UAE
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LatAm
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India
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Asia Pacific (via partners)
What’s coming next for OctonPay?
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Risk dashboard with AI-based scoring
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Automated onboarding for affiliates
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Deep analytics for rebills
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APMs in Turkey, Brazil, South Africa
Related Searches
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High-risk payment gateway Europe
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OctonPay PSP Estonia
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Crypto-friendly PSP
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SEPA payouts high-risk
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Adult merchant acquiring
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Affiliate PSP onboarding
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Payment service provider for Nutra
FAQ
Is OctonPay licensed?
Not directly — OctonPay partners with regulated EMIs and licensed acquirers. All flows are supervised under compliant structures.
Do you support crypto payouts?
Yes — only for registered/licensed entities. Fiat-to-crypto bridges are handled via OTC partners.
Is SEPA supported?
Yes — we support SEPA payouts for verified EU entities and individuals.
Do you offer white-label PSP setups?
Not currently, but we can customize hosted checkout flows and API branding.
Company Services
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Global acquiring (cards)
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Alternative payment methods
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SEPA/SWIFT payouts
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Crypto payout support
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Hosted checkout + APIs
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Fraud and risk tools
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High-risk onboarding
Competitors
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PayDo
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Mercury.io
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DECTA
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AdvCash
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Neosurf Pay
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PayOp
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Alphapo (crypto-only)
Product Positioning
OctonPay is:
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Vertical-friendly
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API-first
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Crypto-compliant
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Offshore/onshore adaptable
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SEPA-enabled
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Partner-focused
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Realistic about risk
