Turned down by your bank or processor? We specialize in getting high-risk merchants approved, processing, and thriving — with over 35 years of experience where others say no.
Banks and payment processors classify merchant accounts as "high-risk" due to a number of factors — association prohibition, high reputational risk, fraud potential and chargeback exposure, or a perceived risk of financial failure. Conventional banks typically avoid these accounts entirely.
We don't avoid them. We've built direct relationships with specialized banking partners who understand high-risk industries. That's why we maintain a 90% approval rate even for merchants who've been declined elsewhere.
Processors flag accounts for several reasons — understanding them is the first step to finding the right solution.
Certain product or service categories are restricted or prohibited by card network rules. Industries like online gaming, firearms, or adult content may be declined outright by conventional processors — even when operating fully legally.
Some industries attract regulatory scrutiny or negative media attention, making processors unwilling to associate with them. Tobacco, cannabis-adjacent products, debt consolidation, and MLM businesses often fall into this category.
Industries with card-not-present transactions, high ticket sizes, or subscription models carry elevated chargeback risk. Travel, ticketing, software, and telecom businesses are frequently flagged due to their dispute rates.
New startups, businesses with bad credit history, or companies operating in volatile markets may be declined simply due to a perceived risk that they won't be around to cover chargebacks. We look beyond the numbers.
We've spent 35+ years cultivating relationships with underwriters and specialized banks that know how to evaluate high-risk merchants fairly — so we can get you approved, stabilized, and scaling.
If your industry isn't listed below, contact us anyway — if you're processing credit cards, there's a good chance we can help.
If you have been declined by your bank or another Merchant Service Provider, contact us. Our 90% approval rate and 35+ years of high-risk experience means we find a way when others can't. Wholesale rates, 24/7 support, and a dedicated rep for the life of your account.
