Forex and CFD accounts: separate loss protection from payment corrections
A UK retail CFD operating guide to negative balance protection, disputed funding and accurate deposit-ledger corrections.
Read guide · 4 minFIXPAYS / Industries
Forex & CFD Payment Gateway and Processing
Prepare a clear view of the brokerage entity, permissions, client markets and funding arrangements. Payment acceptance must reflect the actual regulated activity and the party responsible to the client.
Business models in focus
- Forex brokers
- CFD trading platforms
- Investment platform groups
Separate entities and permissions
Identify the entity serving each customer group. Do not rely on a group company’s authorisation as evidence that another entity or product has the same permissions.
Trace client funding
Describe how deposits reach the correct client record, how third-party funding is addressed and who authorises a withdrawal. Keep business revenue and client funding clearly distinguished.
Align communications
Review marketing, onboarding and payment descriptors together. The product sold, client relationship and support information should remain consistent throughout the journey.
Prepare your assessment
- Entity and ownership chart
- Regulatory permissions and target-client markets
- Client onboarding and funding policies
- Withdrawal and complaints procedures
- Processing statements and proposed currencies
Questions to resolve early
Can an offshore permission support every customer market?
Do not assume it can. The specific activity, entity and destination-market requirements need independent assessment.
Is this a trading or investment recommendation?
No. This page concerns payment operations and merchant assessment, not the merits of any financial product.
Is a payment gateway the same as a merchant account?
A gateway connects the checkout to the payment processing flow. A merchant account or acquiring arrangement governs acceptance, settlement and the approved business activity. Confirm who provides each part and whether the exact products and customer markets are eligible before integration.
Availability is subject to business assessment, lawful activity, destination-market requirements and provider approval. No industry or payment method is approved automatically.
Reference: FCA: CFD providers’ price and value review. Requirements depend on the market and business model.
Merchant insights
Forex and CFD withdrawals: remove avoidable payment friction
A merchant control framework for making withdrawal requests traceable, proportionate and as usable as deposits.
Read guide · 4 minForex and CFD client money: reconcile interest, balances and withdrawals
A merchant guide to separating client money, firm money, accrued interest and withdrawal evidence in Forex and CFD operations.
Read guide · 5 minBuild a clearer payment brief
Share your business model, customer markets and processing requirements for an initial assessment.