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High-Risk Payment Processing
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Industries Served
We specialize in delivering customized payment solutions for high-risk businesses facing unique challenges due to their industry classification or business model. Don't see your industry? Drop us a line and our team will help you with a tailored payment solution.
Adult Content
Firearms
Credit Repair
CBD
Dating
E-Commerce
Online Pharmacy
Sportsbook
MLM
Insurance
Massage
Subscriptions
Coaching
Fintech
Payday Lending
Subscriptions
About us
We specialize in providing high-risk merchant accounts for all types of businesses, even those that have been turned away elsewhere. Since our founding, we’ve supported companies across high-risk industries by offering reliable merchant services without surprise terminations or payout freezes. With a 99 percent approval rate and 24-hour turnaround, we make it easy to get started. There are no application fees, no long-term contracts, and we accept all major credit cards regardless of your credit history.
Many businesses need to accept non-cash payments such as credit cards, ACH, and eCheck, which requires a merchant account. Unfortunately, some banks and processors label certain industries as high risk and refuse to work with them, making it harder for those businesses to grow and operate efficiently.
We understand the challenges high-risk businesses face. That’s why we keep the process simple and fast, so you don’t waste time on paperwork or face unnecessary rejections. With tools like chargeback prevention, next-day funding, and dedicated support, we help your business get started and stay strong.
FAQ's
Businesses are typically classified as high-risk if they operate in high-risk industries. However, even those outside these sectors may fall into the high-risk category if they offer free trials, run subscription models, average over $50 per transaction, generate more than $20,000 in monthly sales, have high chargeback rates, or poor credit history. For these businesses, applying for a high-risk merchant account is the best solution.
High-risk businesses are those that typically cannot secure standard merchant accounts from traditional banks or payment processors. Factors like operating in a high-risk industry, offering free trials or subscriptions, or having excessive chargebacks can lead to this classification and may result in being denied services such as loans, payment processing, or insurance.
High-risk credit card processing is tailored for businesses with a higher likelihood of chargebacks, fraud, regulatory issues, or financial disputes. This includes industries like e-commerce, travel, CBD, adult entertainment, online gaming, and even legitimate companies in insurance, cryptocurrency, or software as a service. These businesses are often assigned a high-risk merchant category code and face higher processing fees, reserve requirements, and stricter underwriting. High-risk processing solutions help protect both the business and the provider while ensuring secure, reliable payment acceptance. Not sure if your business qualifies as high risk? Contact us and we’ll help you find out.
We’re known for providing secure, reliable payment processing by using advanced tools and technologies to protect both merchants and customers. One key feature is AVS (Address Verification Service), which helps prevent fraud by confirming that the customer’s billing address matches the one on file with their card issuer. We also use end-to-end encryption and tokenization to safeguard sensitive payment data, reducing the risk of breaches. Our systems are PCI-DSS compliant, with regular updates and security audits to maintain the highest standards. Together, these measures ensure safe transactions for both high-risk and traditional businesses.
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