Get Approved When Others Decline You
High-Risk Merchant Accounts
Specialized payment processing for CBD, peptides, gaming, supplements, and other high-risk industries. Stable accounts, real underwriting, and dedicated support.
The Problem With Using Stripe or Square for High-Risk
❌ What Happens with Standard Processors
- •Account approved initially, then shut down weeks later
- •Funds frozen with no warning or explanation
- •No appeal process — automated risk models decide
- •MATCH-listed, making future processing harder
- •Lost revenue during downtime
✓ With a Proper High-Risk Account
- •Underwritten for your specific industry
- •Stable long-term processing relationship
- •Dedicated account manager who understands your business
- •Chargeback prevention tools included
- •No surprise shutdowns
High-Risk Payment Processing by Industry
We have banking relationships specifically for these industries.
How to Get a High-Risk Merchant Account
Apply
Submit your application with business details and website URL. Takes 5 minutes.
Documentation
Provide business formation docs, bank statements, and ID. We guide you through exactly what's needed.
Underwriting
Our banking partners review your application. We advocate on your behalf and address any questions.
Approval & Setup
Account approved, gateway configured, equipment shipped. Start processing.
High-Risk Merchant Account Questions
What makes a business "high-risk"?
Banks classify businesses as high-risk based on chargeback history, industry type, regulatory exposure, ticket sizes, and subscription billing models. Common high-risk industries include CBD, supplements, gaming, adult, and travel.
How long does approval take?
Approval typically takes 3-7 business days for high-risk accounts, depending on documentation readiness and industry. Having organized documents and a compliant website speeds up the process.
Will I need a rolling reserve?
Some high-risk accounts require a rolling reserve (typically 5-10% held for 90-180 days). This protects the bank from chargebacks. Reserves are often reduced or removed after 6-12 months of clean processing.
What if I've been declined elsewhere?
We specialize in merchants who've been declined by traditional processors. Our banking relationships are specifically designed for high-risk industries. Being declined by Square or Stripe doesn't mean you can't process.
Are high-risk processing rates higher?
Yes, rates are typically higher than standard processing due to increased bank exposure. However, properly underwritten accounts provide stability that prevents costly shutdowns and frozen funds.
Can I switch to you if my current processor terminates me?
Yes. Even if you've been terminated, we can often help. We work with banks that evaluate merchants individually rather than blacklisting entire industries.
Been Declined? We Can Help.
Get a free assessment of your approval chances. No obligation, no commitment.