High Risk Online Payment Processing by High Risk Pay
Fast approvals, next-day funding, and 99% approval for high-risk merchants.
- 99% Approval Rate!
- No Setup/Application Fees
- Bad Credit Accepted
- Chargeback Prevention
- Next-Day Funding
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No Setup Fees!
Privacy Information: Your contact information will not be used for anything except contacting you regarding the question or comment you have.
Integrations? We have you covered!
HOW IT WORKS
Applying for a High Risk
Merchant Account
Collect Basic Business Info
Submit Your Digital Application
Get Approved in 24-48 Hours
WHAT WE DO
About High Risk Pay
Choose High Risk Pay as your merchant account provider
High Risk Pay provides high risk payment processing solutions backed by long-standing bank relationships, fast approvals, and specialized underwriting for merchants other providers reject
Instant Approval for High-Risk Merchant Account
The underwriting process for high-risk businesses may take up to a few extra days than usual, especially in highly regulated industries. Rest assured that our team works as hard as possible to get you approved quickly.
The approval process at High Risk Pay typically takes 24 to 48 hours, which is faster than most other high-risk merchant account approvals. Our number one priority is to get your merchant account up and running as quickly as possible. A 99% approval rate means that your unique business is almost guaranteed approval and that you can begin accepting payments quickly and easily.
High-Risk Merchant Services for Any Credit History
At High Risk Pay, we offer merchant services for any credit history. We can set you up with a high-risk merchant account, even with bad credit. Not convinced? Our high-risk merchant account high average approval rate is 99% – the highest in the industry. With High Risk Pay, quickly get a bad credit merchant account with fast approvals and no setup and cancellation fees. It’s very easy to apply online. Find out more about our bad credit merchant accounts here.
High-Risk Merchant Account at Competitive Rates
What about fees? A high-risk merchant account can have higher taxes and restrictions on it. Fees vary by provider and heavily depend on your company’s specific needs. But at High Risk Pay, we don’t believe in punishing customers for being in a business that presents a greater risk of fraud or chargebacks.
Through High Risk Pay, fees are similar to traditional card processors. In return, you as a business owner get many ways to accept credit cards and debit cards for transactions. You will have the pleasure of serving your customers, while making transactions as convenient for them as possible.
In addition, while other high-risk merchant account providers may charge up to a couple hundred dollars for application or setup fees, High Risk Pay charges nothing to set up your own high-risk merchant account.
WHO WE SERVE
Industries We Support With High Risk Payment Processing
AM I A HIGH RISK MERCHANT?
How to Know if Your Business Is High-Risk
Most processors set their own standards for what qualifies as a high-risk merchant, typically based on your industry (some verticals carry more instability or regulation) and your financial profile (credit history, chargebacks, past performance). Highly regulated industries – like firearms, CBD, and adult merchant accounts – or any business model prone to fraud or disputes are more likely to be flagged. If that’s you, High Risk Pay specializes in supporting businesses with high chargeback rates, high volume, or poor credit so you can get approved fast and keep processing securely.
MERCHANT ACCOUNTS FOR HIGH RISK BUSINESSES
What exactly is a high-risk merchant account?
Businesses classified as high-risk merchants typically operate in industries where payment providers expect higher chargeback rates, regulatory complexity, or fraud exposure. These businesses often require specialized payment processing and high risk online payment solutions to securely accept credit cards, ACH, and eChecks – especially when selling products or services online, through subscriptions, or across global markets. Industries commonly requiring high-risk payment processing include:
- Travel and ticketing
- Adult products and services
- SaaS and subscription models
- Dating sites
- Firearms and regulated goods
- Niche or high-volume online retailers
DO YOU HAVE ANY QUESTIONS
Frequently Asked
Questions
What about PayPal, Square, and Stripe?
Do they accept high-risk merchant accounts?
Unfortunately, there is no online payment processor that will work with high-risk businesses. For example, all three payment processors mentioned above do not allow merchant accounts for adult entertainment, gambling, or CBD companies – to name a few. Their policies are understandably restrictive in this regard.
On the hunt for a PayPal, Square, or Stripe alternative? High Risk Pay has got you covered. High Risk Pay offers high-risk merchant accounts and payment gateway solutions to businesses from all verticals. We don’t discriminate. We offer fair, transparent pricing for high-risk merchants, starting from 1.79%. Plus, you’ll never be charged a setup fee or application fee. Get started today.
APPLY TODAY
High Risk Merchant Account Approval Fast
High Risk Pay provides 24-48 hour approvals, 99% acceptance, and next-day funding.
RESOURCES
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Simple application, 99% approvals, and no setup fees!
Privacy Information: Your contact information will not be used for anything except contacting you regarding the question or comment you have.