{"id":412,"date":"2026-01-20T12:03:59","date_gmt":"2026-01-20T12:03:59","guid":{"rendered":"https:\/\/webpays.com\/blogs\/?p=412"},"modified":"2026-01-20T12:26:40","modified_gmt":"2026-01-20T12:26:40","slug":"one-payment-gateway-risk-high-risk-merchants-2026","status":"publish","type":"post","link":"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/","title":{"rendered":"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-1024x683.png\" alt=\"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026\n\" class=\"wp-image-421\" srcset=\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-1024x683.png 1024w, https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-300x200.png 300w, https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-768x512.png 768w, https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-835bf65cd485ac1035ca817049e94230\">For a long time, <a href=\"https:\/\/webpays.com\/merchant-account.html\">high-risk merchants <\/a>believed that securing a single, stable payment gateway was the ultimate goal.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4ccd5a2e6cfeb42a4c5b62e19e856a40\">Once approved, the focus shifted to growth \u2014 traffic, conversions, and revenue.<br>Payments were considered \u201csolved.\u201d<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e806b651e2124763bd27bfd8601215fc\">In 2026, that assumption has quietly become one of the <strong>biggest operational risks<\/strong> for high-risk businesses.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3ca22bed477a184bb9f5488f8e86221a\">Across industries such as gaming, forex, crypto, IPTV, subscription services, and cross-border digital platforms, merchants are no longer failing because of demand or fraud alone.<br>They are failing because their <strong>payment infrastructure is fragile<\/strong>.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-da6ed5c82107693c388ee4f5292b0094\">And the most common source of that fragility is <strong><a href=\"https:\/\/webpays.com\/payment-gateway.html\">single payment gateway <\/a>dependency<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Illusion of Stability in One-Gateway Setups<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9e2a7e5433743ee068ce054024d5d3bd\">At first glance, relying on one payment gateway appears efficient.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ff0da97cba9b90c5964d152a26f33839\">It offers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-7240eb3201ede822c13520ed9d567717\">Simple integration<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-fc896232a6f0f6a9c9f30bcd103993c1\">One dashboard to manage transactions<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-097ef4055c728350e8ffa8d19fd9fb73\">A single acquiring relationship<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-d05048b2463adb53cf7d9cbd4aca2a9f\">Lower perceived complexity<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d118a732bbf3282d0d53b5dd1c285a3a\">For early-stage merchants, this feels practical and cost-effective.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9bbee5cc6b97089a03b1388ab303f09d\">But for high-risk businesses, this setup creates a dangerous illusion of stability.<br>Behind the scenes, <strong>everything depends on one institution\u2019s tolerance for risk<\/strong> \u2014 and that tolerance can change without warning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why High-Risk Merchants Are Especially Vulnerable<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-0f6bbeef3b60e87f540d16b694145507\">High-risk businesses operate under constant scrutiny.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-91fd63e36a5b41f4f8a3aa43faa1d261\">Their risk profile is influenced by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-bfaca047e3c1a00af248b5be8578b0a2\">Industry volatility<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-d56aeadb4159b26fa2b3757884d4e5b9\">Regulatory shifts<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-ac1b8b405e8453f1b501ef1375b898b4\">Chargeback sensitivity<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-62f14b49eaa277b54a01208471581343\">Cross-border exposure<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-8118313c51c33db12456cfc6e2c4075a\">Consumer behavior<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5836cf1854de702cbe6ca3b90f3dc922\">Unlike low-risk merchants, they are not given long grace periods when issues arise.<br>Risk thresholds are tighter, monitoring is faster, and tolerance is lower.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-df76f90fa8fdc0a5704b314c8eac9ee6\">When all payment activity flows through a single gateway, <strong>any disruption becomes existential<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Payment Failures Actually Happen in 2026<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1385eea4345753b502328d6d3e874491\">Most merchants imagine payment failure as a dramatic event \u2014 fraud, legal action, or regulatory shutdown.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-18f762d2c58b1cd71916cad00844bb1c\">In reality, failure usually follows a quieter, predictable pattern:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-760aa46d9b381d3300a64a66a354c7af\">A slight increase in decline rates<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-40aa29a3022e73ddfdc9fbfbaf36f85d\">A short-term spike in refunds or disputes<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-634cf33f34ef3acc2637d20b431a7006\">Automated risk monitoring flags unusual behavior<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-5d25f7b7fb8dafe6a703fc234df175f1\">The gateway initiates a review or temporary restriction<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-036e7b1a25f5f32e644f51cfec2a276f\">Processing is paused or terminated<\/li>\n<\/ol>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5af920c83ce1c932f4548467b123bcf6\">With a single gateway, step five means <strong>revenue stops completely<\/strong>.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-50a0f6bdbbd28a9bf7a10a8ca6ce086b\">There is no buffer.<br>No rerouting.<br>No recovery window.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Banks and Acquirers Now Flag Single-Gateway Merchants<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-27243e1566078022f4063815b52cebbb\">Modern underwriting is no longer focused solely on approval.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-207184242342b3be3e7d21bc000afd06\">Banks now assess:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-fd893e2e787e2363bcfb9201ddb57cc4\">Operational resilience<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-5bae3fd9225ca3efe1fee76e11e42312\">Risk distribution<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-1519b3157ea5aa9c8836b68eb80461b4\">Contingency preparedness<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-73a3e0c3d7117470cdfb5954642d9121\">A merchant that relies on one gateway signals a critical weakness:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d01a7e4c268ba877eac974c48693d7cf\">\u201cIf this relationship fails, the business fails.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-a6674438658aa819214aeb56572655dd\">In 2026, that signal alone can increase rejection probability \u2014 or trigger early termination when risk indicators appear.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-166b0e31581b6edd28e4375605a76729\">For high-risk merchants, resilience is no longer optional; it is a requirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">One Gateway vs. Controlled Payment Architecture<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-6bfd74b759a3b62ea27beb402c440186\">It\u2019s important to clarify a common misconception.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3077be4a0ee63b489a41011075ed20ef\">The solution is <strong>not<\/strong> simply adding multiple gateways without coordination.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-6638f1ef6e87579ca76842f7ebc4ff7d\">Unstructured multi-gateway setups often create:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-9ddeeefb55b146f11cc40c90c41f267f\">Reconciliation challenges<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-9e8278c98fd4d38f75c6ec4d81968228\">Inconsistent risk rules<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-9b06c3b55945501c39618010c0c887ae\">Operational confusion<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-6ca885085808f3bd8261639b716b6e9f\">Accounting complexity<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-f4017f63b90942d0dde96580075bdf9c\">The goal is not \u201cmore gateways.\u201d<br>The goal is <strong>controlled payment architecture<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Multi-Acquirer Routing Really Means<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-a5f22884cda45057ce66d2b1eb122967\">True multi-acquirer routing allows transactions to be distributed intelligently based on context, not randomly.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c76eeb47b49aa1476019b8483b0042f0\">A properly designed setup can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-4cacf52eeee0e683af2ec576d47b370c\">Route transactions based on geography<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-c136b9abb88959eb8721dffb00196cb0\">Shift volume during risk spikes<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-29c54e349dd716c550734390c107f1f7\">Recover declined transactions dynamically<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-31582eec7edf102b8107c18daa3023c3\">Balance exposure across acquiring banks<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-bf04e8d4a40f5352231a4d9a217800b0\">Maintain uptime during reviews or restrictions<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ab4521c94a34e1de2b0e24dc0efc892b\">Instead of asking:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-dbbb42248c6af3ce9ddeef37804e5127\">\u201cWill this gateway approve my business?\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-a71b276797d00a1068b0989ae703824c\">The system asks:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9c319b81f841c786b0e3d53b65e0b606\"><strong>\u201cWhere should this transaction be processed right now to maximize stability?\u201d<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ef83aa7a4bf85e16c47b87457b90fc29\">This shift in thinking is what separates scalable high-risk merchants from fragile ones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why the Market Is Forcing This Change<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9aa629fb104d3eb7aaef5f7cba7ff182\">Several structural changes in the payments industry are accelerating this transition:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Faster Risk Detection<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-55198bf9e6fc58d812d13caafc006acf\">Risk monitoring is now near real-time.<br>Anomalies are flagged in hours, not weeks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Reduced Tolerance for Spikes<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-885c7bc29064b536c7ff3bcf20dfe8ba\">Short-term deviations in refunds, disputes, or traffic quality trigger immediate reviews.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Industry-Wide De-Risking<\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-2fc032a8ab42b63fd72080566d16c4f3\">Banks are reducing exposure to high-risk categories rather than expanding it.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-08b35b33272ff3ff6246b0ab8763223c\">In this environment, relying on a single gateway is not a strategy \u2014 it is a vulnerability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compliance Alone Cannot Solve This Problem<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-20526818a3565aa2e433184df6947424\">Compliance frameworks like PCI DSS, AML, and KYC are essential.<br>They determine whether a merchant is <strong>allowed<\/strong> to process payments.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-a701669c651c94be48b24e0386cc3a5a\">But compliance does not answer a more important question:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5155e01fbd4829bd4fec159298170b3d\">\u201cCan this merchant continue processing when conditions change?\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-37bb7ece71392737bd6460e552386cf4\">Banks increasingly approve merchants who can demonstrate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-74a493a1754a6578a89606246d69d9e0\">Redundancy<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-25e4f52f6fcbfb20d48432115d234186\">Operational control<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-a6d0d0ffe50105c6526c3fa6d7374b22\">Predictable behavior under stress<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c81dba33eb894943ed308e4686202ebc\">Single-gateway merchants struggle to demonstrate any of these qualities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Webpays Approaches Payment Resilience<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3a7a003d27f897098190d07864756d6c\">Many high-risk merchants focus heavily on getting approved, but far less on <strong>what happens after approval<\/strong>.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-651553d47ef2239cf4a417451aef51ed\">Webpays is designed around the idea that approval is only the starting point.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1f5ff7b4969fe4f72cac387bdb7221c3\">Instead of building dependency on a single processing route, Webpays helps merchants design payment infrastructure that can adapt to change.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4205aa7f45e593e29503d5f7f2053dc5\">This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-27ccb48733c7b5d76a01ac90cf823681\">Multi-acquirer routing to reduce single-point failure<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-16fb5cf844267e922c1a0c3048c80b33\">Risk-aware transaction distribution<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-7aa641e7ca7c74f66bc1f61c3e78ed55\">Cross-border flow control aligned with acquiring logic<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-be67680af81227f023ea4f4c902bf0af\">Fallback mechanisms that maintain continuity during reviews<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e89b4aeef37106901872deb325f02fa4\">The focus is not on bypassing risk \u2014 but on <strong>absorbing it without disruption<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters for Scaling High-Risk Businesses<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-b83183df0dfb4ad9d926c2e91ed34fca\">Growth introduces variability:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-4757330f46f44b8493747e6abfdebc4c\">New markets<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-e4c86efd5d4e89e3e2e32b3ef0d09b8f\">New customer segments<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-9cb2cb3bc6f725a2072c54dc3d5b1f96\">New traffic sources<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-513b6bfa0780e081749277eda0b8c9a4\">Each variable increases risk exposure.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c7ddc2e7487b4c0ec0f28f416c3550d2\">A single-gateway setup may work at low volume, but it rarely survives scale.<br>As volume increases, so does scrutiny \u2014 and eventually, stress fractures appear.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9d920a1519039559fd4d10b5fa4baf6d\">Merchants who scale smoothly design <strong>resilience before they need it<\/strong>, not after something breaks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Myths About Multi-Gateway Strategies<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-0cdebd8e8fb040ecb4cf2cc3dc9edd4d\"><strong>Myth:<\/strong> Multiple gateways increase complexity<br><strong>Reality:<\/strong> Poorly designed systems increase complexity; controlled routing reduces it<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-62bc0aaf1f07afdac760244649b1a1d3\"><strong>Myth:<\/strong> One strong bank relationship is enough<br><strong>Reality:<\/strong> No bank guarantees permanence in high-risk categories<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-83482d90893d9a0289f5d27f02fe39b8\"><strong>Myth:<\/strong> This approach is only for large enterprises<br><strong>Reality:<\/strong> Smaller high-risk merchants are often affected first<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When Merchants Usually Realize the Problem<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3bdbb782b7581e228f84a204ad798b3b\">Most merchants consider resilient payment architecture only after:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-5a6e8422a3ca329f30f29bdd47833c88\">Funds are frozen<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-53af8e320cb39fca19d121bc9a2e8002\">Processing is suspended<\/li>\n\n\n\n<li class=\"has-black-color has-text-color has-link-color wp-elements-32fc0a512239c0caab425c982ff94951\">Revenue stops<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e46e433f42c2f0864ddc31677e2258b0\">At that point, negotiating new relationships becomes significantly harder.<br>Options are limited, timelines are longer, and leverage is reduced.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e061be458c8e7250e191dc041b810068\">The merchants who survive market shifts are those who plan for disruption <strong>before it happens<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1229cc9543f1850626178415f3d509f1\">High-risk merchants who can answer that question with confidence are positioned to survive regulatory shifts, bank policy changes, and market volatility.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-58a2527578cddcda20ab7e8b45f986f9\">Those who cannot are operating on borrowed time.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-f214fb1a55f47e0324c8af3cfdc7a56b\">Platforms like <strong><a href=\"https:\/\/webpays.com\/\">Webpays<\/a><\/strong> are built for this new reality \u2014 where approval is only the beginning, and <strong>resilience is the true competitive advantage<\/strong>.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For a long time, high-risk merchants believed that securing a single, stable payment gateway was the ultimate goal. Once approved, the focus shifted to growth \u2014 traffic, conversions, and revenue.Payments<\/p>\n","protected":false},"author":2,"featured_media":421,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[15],"tags":[14,10,13,8,9,12,7,6,11],"class_list":["post-412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-high-risk-merchants","tag-alternative-payment-methods","tag-credit-card-processors","tag-high-risk-merchant-account","tag-high-risk-payment","tag-high-risk-payment-gateway","tag-high-risk-processors","tag-merchant-account","tag-payment-gateway","tag-payment-gateway-integration"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026<\/title>\n<meta name=\"description\" content=\"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026\" \/>\n<meta property=\"og:description\" content=\"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"WEBPAYS\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T12:03:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T12:26:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-1024x683.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ayush Dave\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ayush Dave\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/\"},\"author\":{\"name\":\"Ayush Dave\",\"@id\":\"https:\/\/webpays.com\/blogs\/#\/schema\/person\/5dfb437e65ed0a8f507831f4643ae323\"},\"headline\":\"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026\",\"datePublished\":\"2026-01-20T12:03:59+00:00\",\"dateModified\":\"2026-01-20T12:26:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/\"},\"wordCount\":988,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/webpays.com\/blogs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png\",\"keywords\":[\"alternative payment methods\",\"credit card processors\",\"high risk merchant account\",\"high risk payment\",\"high risk payment gateway\",\"high risk processors\",\"merchant account\",\"payment gateway\",\"payment gateway integration\"],\"articleSection\":[\"High-Risk Merchants\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/\",\"url\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/\",\"name\":\"Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026\",\"isPartOf\":{\"@id\":\"https:\/\/webpays.com\/blogs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png\",\"datePublished\":\"2026-01-20T12:03:59+00:00\",\"dateModified\":\"2026-01-20T12:26:40+00:00\",\"description\":\"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage\",\"url\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png\",\"contentUrl\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png\",\"width\":1536,\"height\":1024,\"caption\":\"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/webpays.com\/blogs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/webpays.com\/blogs\/#website\",\"url\":\"https:\/\/webpays.com\/blogs\/\",\"name\":\"WEBPAYS\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/webpays.com\/blogs\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/webpays.com\/blogs\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/webpays.com\/blogs\/#organization\",\"name\":\"WEBPAYS\",\"url\":\"https:\/\/webpays.com\/blogs\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/webpays.com\/blogs\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/cropped-WebPays-logo-1.png\",\"contentUrl\":\"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/cropped-WebPays-logo-1.png\",\"width\":408,\"height\":119,\"caption\":\"WEBPAYS\"},\"image\":{\"@id\":\"https:\/\/webpays.com\/blogs\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/webpays.com\/blogs\/#\/schema\/person\/5dfb437e65ed0a8f507831f4643ae323\",\"name\":\"Ayush Dave\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g\",\"caption\":\"Ayush Dave\"},\"url\":\"https:\/\/webpays.com\/blogs\/author\/ayushseo\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026","description":"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/","og_locale":"en_US","og_type":"article","og_title":"Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026","og_description":"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.","og_url":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/","og_site_name":"WEBPAYS","article_published_time":"2026-01-20T12:03:59+00:00","article_modified_time":"2026-01-20T12:26:40+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM-1024x683.png","type":"image\/png"}],"author":"Ayush Dave","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ayush Dave","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#article","isPartOf":{"@id":"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/"},"author":{"name":"Ayush Dave","@id":"https:\/\/webpays.com\/blogs\/#\/schema\/person\/5dfb437e65ed0a8f507831f4643ae323"},"headline":"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026","datePublished":"2026-01-20T12:03:59+00:00","dateModified":"2026-01-20T12:26:40+00:00","mainEntityOfPage":{"@id":"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/"},"wordCount":988,"commentCount":0,"publisher":{"@id":"https:\/\/webpays.com\/blogs\/#organization"},"image":{"@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png","keywords":["alternative payment methods","credit card processors","high risk merchant account","high risk payment","high risk payment gateway","high risk processors","merchant account","payment gateway","payment gateway integration"],"articleSection":["High-Risk Merchants"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/webpays.com\/blogs\/one-payment-gateway-risk-high-risk-merchants-2026\/","url":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/","name":"Why One Payment Gateway Is a Risk for High-Risk Merchants in 2026","isPartOf":{"@id":"https:\/\/webpays.com\/blogs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage"},"image":{"@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png","datePublished":"2026-01-20T12:03:59+00:00","dateModified":"2026-01-20T12:26:40+00:00","description":"Relying on one payment gateway is risky for high-risk merchants in 2026. Learn how multi-acquirer routing and payment resilience prevent shutdowns.","breadcrumb":{"@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#primaryimage","url":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png","contentUrl":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/ChatGPT-Image-Jan-19-2026-01_26_03-PM.png","width":1536,"height":1024,"caption":"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026"},{"@type":"BreadcrumbList","@id":"https:\/\/www.webpays.com\/one-payment-gateway-risk-high-risk-merchants-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/webpays.com\/blogs\/"},{"@type":"ListItem","position":2,"name":"Why One Payment Gateway Is the Biggest Risk for High-Risk Merchants in 2026"}]},{"@type":"WebSite","@id":"https:\/\/webpays.com\/blogs\/#website","url":"https:\/\/webpays.com\/blogs\/","name":"WEBPAYS","description":"","publisher":{"@id":"https:\/\/webpays.com\/blogs\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/webpays.com\/blogs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/webpays.com\/blogs\/#organization","name":"WEBPAYS","url":"https:\/\/webpays.com\/blogs\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/webpays.com\/blogs\/#\/schema\/logo\/image\/","url":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/cropped-WebPays-logo-1.png","contentUrl":"https:\/\/webpays.com\/blogs\/wp-content\/uploads\/2026\/01\/cropped-WebPays-logo-1.png","width":408,"height":119,"caption":"WEBPAYS"},"image":{"@id":"https:\/\/webpays.com\/blogs\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/webpays.com\/blogs\/#\/schema\/person\/5dfb437e65ed0a8f507831f4643ae323","name":"Ayush Dave","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f2858f45c37e1939a22d7b565cd665fd4f60da45bbe1c21a8e14c6dfcb481997?s=96&d=mm&r=g","caption":"Ayush Dave"},"url":"https:\/\/webpays.com\/blogs\/author\/ayushseo\/"}]}},"_links":{"self":[{"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/posts\/412","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/comments?post=412"}],"version-history":[{"count":2,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/posts\/412\/revisions"}],"predecessor-version":[{"id":430,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/posts\/412\/revisions\/430"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/media\/421"}],"wp:attachment":[{"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/media?parent=412"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/categories?post=412"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/webpays.com\/blogs\/wp-json\/wp\/v2\/tags?post=412"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}