BTQ Finance

What is BTQ Finance and what do they do?

BTQ Finance is a Bulgaria-based payment processing provider founded in 2021, built specifically for merchants operating in high-risk industries. The company offers Visa and Mastercard acquiring with same-day balance crediting, alongside SEPA and SWIFT bank transfers for European and international settlements.

On the crypto side, BTQ Finance supports over 30 cryptocurrencies for payment acceptance — including Bitcoin, Ethereum, Litecoin, and Dogecoin — with settlements paid out in USDT (TRC20). Fiat processing covers EUR, USD, and TRY. The platform is built around an API-first integration model, with a white-label merchant portal, tokenisation, dispute and chargeback management, and 3D Secure (3DS) authentication for card transactions. BTQ Finance also connects into payment orchestration setups, including Corefy, letting merchants route traffic through it alongside other providers rather than integrating it as a standalone gateway.

Who is it for?

BTQ Finance is built for merchants that traditional acquirers typically decline. Its core customer base spans gambling and betting operators, forex and CFD trading platforms, crypto exchanges, and adult content businesses, as well as CBD, nutraceuticals, dating platforms, and other verticals that carry elevated chargeback or compliance risk. It also serves lower-risk sectors — SaaS, e-learning, travel, and general retail — for merchants who want a single provider covering both card and crypto rails.

Why do businesses choose BTQ Finance?

• High-risk acceptance where others decline — coverage for gambling, forex, crypto, and adult verticals that mainstream acquirers routinely turn away
• Combined card and crypto rails — Visa and Mastercard acquiring alongside 30+ supported cryptocurrencies under one integration
• Predictable USDT settlements — payouts in USDT (TRC20), which reviewers consistently describe as fast and reliable
• Transparent pricing — fees starting from 3%, disclosed upfront rather than negotiated case by case
• API-driven onboarding — merchants report onboarding takes some time to complete, but integration itself is straightforward once account managers are engaged

Businesses using Corefy can simply obtain a MID from BTQ Finance and connect it to Corefy's dashboard in a few clicks, without dealing with any integration work.

Is BTQ Finance trustworthy?

BTQ Finance has been operating since 2021 and is based in Bulgaria, placing it within the EU regulatory environment. On PayAtlas, the company holds a 4.9-out-of-5 rating based on seven merchant reviews, with customers in the gambling, forex, and payment gateway businesses citing stable transaction flows, responsive account management, and consistent USDT settlement schedules as recurring strengths.

On the technical side, BTQ Finance supports 3D Secure authentication and anti-fraud detection tooling as standard parts of its card-processing stack, alongside secure token storage for stored payment credentials. For merchants evaluating a high-risk-focused provider, the combination of a multi-year operating history, an EU base, and a consistent record of independent reviews offers a reasonable basis for due diligence — though, as with any high-risk-focused PSP, merchants should confirm current licensing and banking-partner details directly with BTQ Finance before onboarding.