High Risk Merchant Services
For the businesses banks turn away. Underwritten in house, with clear terms and the tools to help you stay compliant.
Industries We Work With
We review a wide range of high-risk business types. Every account is subject to underwriting review and approval.
Smoke Shops
Tobacco-friendly processing set up for what you sell.
Vape Shops
Age-verified checkout for vape products and accessories.
Firearms
2A-friendly processing for firearms, ammo, and accessories.
Travel Businesses
Processing for bookings made months before the trip.
Subscription Businesses
Recurring billing with chargeback tools built in.
Approved CBD/Hemp Businesses
Compliant processing for approved CBD and hemp products.
Supplements
Online and in-store payments for health supplements.
Other Approved High-Risk Merchants
Tell us what you sell. We’ll tell you what we can approve.
Payment Processing for High-Risk Businesses
Processing set up around your category, with terms stated up front.
Hands-On Underwriting
Approved on the facts, not the category. Decisions made by our own team.
We look at your business model, processing history, and chargeback levels, and we tell you what we need to move an application forward.
High-Ticket Merchant Accounts
Businesses with large average tickets need limits that fit how they sell. We set processing limits and reserves based on your history and volume, and explain them before you sign. High-ticket merchant accounts.
High-Risk E-Commerce Processing
Sell online with a payment gateway, recurring billing, and fraud and chargeback tools built for card-not-present sales.
Payment Gateways & Equipment
Get paid faster. Pay less to get paid.
Faster access to your money, and pricing built around your business.
Funding availability and timing subject to eligibility, processing platform, batch times, banking institution, and holidays.
High-Risk Merchant Services FAQs
What makes a business high risk?
Card networks and banks consider factors such as product category, chargeback history, average ticket size, recurring billing, and regulatory requirements.
Can you guarantee approval?
No. No processor can guarantee approval. Every application is reviewed by our underwriting team, and we tell you what we need and what the terms would be.
Will I need a reserve?
Some high-risk accounts carry a reserve based on volume, ticket size, and history. If one applies, the terms are stated before you sign.
Can I take payments online and in store?
Yes. We set up payment gateways for online and phone orders and terminals for in-store sales, depending on what is approved for your account.
Talk to an Underwriting Specialist
Tell us what you sell and how you sell it. We’ll tell you what we can approve, what it costs, and what the terms are.