Card deposits and settlement built for brokers.
Forex and CFD brokers lose most of their payment ground at the deposit: cards decline, the acquirer classes the model as leveraged trading, and withdrawals slow down exactly when traders are watching. Crosswire pairs acquirers that underwrite brokers with multi-currency client accounts, withdrawal rails and trader onboarding - one stack, with reserve and settlement terms confirmed in your offer.
An indicative rate in seconds, no sales call.
Forex and CFD brokers typically pay 4-7% MDR today. Your Crosswire range depends on structure, volume and settlement currency - run your volumes or speak to an advisor, confirmed in your offer subject to KYC/KYB.
What actually governs broker payments.
Boarding a broker is a licensing question first, a scheme-rules question second and a reserve question third. The rate follows those three, not the other way round.
Regulator decides who will board you
A CySEC, FCA, ASIC, DFSA or offshore licence each maps to a different acquirer set and a different view of margin limits and retail eligibility. Brokers taking retail flow into a market their licence does not cover get reviewed quickly.
Client-money segregation
Most regimes require trader funds to sit apart from operating funds, often at a credit institution of a defined standing. That determines the account structure before the payment rails are chosen.
Scheme rules on trading MCCs
Deposits into margin trading carry issuer scrutiny, descriptor requirements and, in several markets, outright issuer blocks. Deposit routing and alternative methods carry the traffic the card rail will not.
Refund and withdrawal treatment
Withdrawals to the original card, refund windows and payout-to-source rules are compliance requirements as well as fraud controls. They shape which withdrawal rails can be used and when.
Reserve and rolling hold norms
Brokers are priced against future dispute liability. Reserve percentage, hold period and release schedule are set at boarding rather than discovered later.
Chargeback exposure from trading losses
Disputes here are often loss-driven rather than fraud-driven. Onboarding evidence, terms acceptance and session records decide representment outcomes, so the KYC record is part of the payment stack.
Where most providers fall short.
Cards declined or classified high-risk
Mainstream providers reject brokers outright or price them out of the market.
Clunky deposits and withdrawals
Slow funding loses traders. Slow payouts loses trust.
FX and regional-rail friction
Funding flows touch many corridors. Without the right rails, FX eats the spread.
The capabilities you actually need.
Built from vetted partners across banking, acquiring, digital assets and technology.
Acquiring tuned for forex and CFD
Vetted acquirers that underwrite margin trading and price it against real dispute history.
Multi-currency and client-money accounts
Real IBANs across EUR, USD and GBP, structured for the segregation your regulator expects.
Fast settlement
Funds land in your own accounts in days, with the settlement cycle stated in the offer.
Digital-asset deposits and payouts
Fund and pay out in digital assets where the licence allows, settle in fiat.
Trader onboarding and AML
Reusable verified identity with higher pass rates, sanctions screening and audit-grade logs.
FX routing and treasury
Better effective rates across funding, hedging and withdrawal flows.
Read a comparable case.
How comparable operators rebuilt deposits and settlement on the vetted network.
Approval, speed, and a single point of contact.
We bring you to providers that already underwrite brokers, not those who will drop you at the first review.
We benchmark interchange, scheme and acquirer markups to find the savings that survive the offer.
Rails wired together so funding does not break under load.
Related reading and rails.
Approval, pricing, reserves and settlement, explained end to end.
Why prefunding exists and how to structure around it.
Payee checks on euro credit transfers, and what they mean for withdrawals.
Which markets and currencies the network boards today.
Run your own volumes on the acquiring tab.
The other verticals wired on the same network.
Price your stack for forex & cfds.
Describe your setup and get the rails, partners and indicative pricing in one pass.
Rather talk it through?
Share a few details and we'll come back with options - discreetly, within one business day.
Paid by the infrastructure partners - no Crosswire margin on the infrastructure price. Advisory or implementation work is quoted separately.
Approval and pricing depend on licensing, jurisdiction, risk profile and compliance. Nothing on this page is a guarantee of approval or specific terms.