Bad Credit Merchant Processing Payment and Merchant Account

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Bad credit isn’t a problem. We approve merchant accounts for e-commerce or for credit card processing regardless of credit history. If you want your business to grow, accepting credit cards is just what you need! Not only is bad credit not a hassle but signing up for a bad credit merchant account today comes with many benefits as well such as:

We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a retail credit card terminal. See more about High Risk Merchant processing

With approval turnaround time ranging between 24 and 48 hours, we make a decision quickly and set up your account immediately upon your approval.

Bad Credit Merchant Account Services For Your Business

Business owners with a rough credit history or low credit score often have trouble getting bad credit merchant accounts. This type of account lets companies accept credit card payments from their customers whether they pay in person or online. There are, in fact, credit card processing options for owners with poor credit. With more people wanting to pay by card, it’s worth learning how to get a poor credit merchant account.

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Why choose High Risk Pay as your merchant services provider ?



We offer high risk merchant accounts to all business types in high risk categories.


99% approval

Having trouble getting approved for your high risk merchant account? Did you know HighRiskPay approves 99% of all applicants!



HighRiskPay understands that time is money. Entrust us yours and we’ll be sure to make it worthwhile! Apply Today and Be in Business Tomorrow!

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Why Bother With Credit Cards Processing?

Studies show that most consumers want to pay for goods and services with plastic. On top of that, they tend to spend more when using a MasterCard or Visa. The consumers’ desire to buy things with their mobile devices further fuels this love of credit card buying. Trends show mobile commerce is growing, especially among Millenials and Gen Xers. That’s why it’s so crucial for business owners to find a way to process credit card orders.

Consider how much online shopping you do. Maybe you use continuity subscription merchant services that send you items that you need monthly, like dog food or toilet paper. Maybe you prefer to shop online yourself. How difficult would that be if you couldn’t pay with a card? Most customers will not continue to shop on a website that does not offer easy payment solutions. After all, shopping online is all about convenience.

To keep your customers coming back, you must accept their credit card payments or e-checks. Without the ability to pay online, your customers will go to your competition, and you may lose them forever. However, with a poor credit merchant account, you can accept credit cards and keep your relationship with your customers in good standing. See more about poor credit merchant account for accepting ecommerce credit card.

Consider the subscription model again. It relies on the ability to accept online payments and charge customers every month. Without easy payment, this business model wouldn’t be possible, and you could lose loyal customers. Instead, a high risk merchant account can ensure those sales every month so that you can focus on growing the business while the money comes in.

Ways to Accept Credit Cards

You’ll be happy to know there are merchant account suppliers that help high-risk clients. The processors that offer this service work with businesses that are in travele-cigarettesdrugs, and adult material. Collection agencies also can get accounts from high-risk processors as can companies that need to process many credit card payments, like telemarketers. Also, these high-risk merchant account companies work closely with business owners who have a poor credit history. Works With High-Risk Clients

At, bad credit isn’t a problem. We open accounts for merchants whose personal credit would cause a quick refusal from traditional processors. With approvals done in 24 to 48 hours, we act fast and set up your account as soon as we approve you. We think getting an account should be easy.

Managing credit card processing services for high-risk business owners is our strong suit. You don’t have to worry about scaring us with financial horror stories from your past. It’s important that you’re truthful in your application, no matter how cringe-worthy your past is. We need a total view of your money struggles to process your request. As an uncollectable credit merchant account provider for businesses with poor credit, we rely on our clients, to be honest. It ensures we’re able to follow underwriting rules. We’re proud of our 95 percent approval rate for bad credit merchant accounts because it shows we want to work with most business owners.

There are many reasons a business owner has bad credit. Foreclosures, bankruptciesdefaulting on a loanmortgage foreclosures, and late or missed payments hurt your chances with other bad credit merchant account providers. Also, past liens and judgments against you create big black marks on your credit record. Not even such grave situations cause us to reject you out of hand when you apply for a bad credit merchant account with us.

Steep Fees Aren’t a Given

Some high-risk account providers offset their risk by charging high fees to for applications, account set-up, and canceling service. Others may force retailers to sign a multi-year contract. Getting out of the contract may result in significant fees. uses none of these practices because we don’t want to create hurdles for clients who’ve had money problems. Some business owners may want to have someone with good credit as their co-signer when they apply for a poor credit merchant account. While this takes away the risk for the supplier, it’s not required for companies that work with people who have poor credit. At, we favorably review most applications. It doesn’t matter if you have a co-signer.

How We Provide Great Service

You may wonder how companies like can offer Bad Credit Merchant Account Services. Service providers working in this area look at many factors during application reviews. For example, if your business is a C-corporation or a limited liability company, the owner’s credit isn’t as relevant as the firm’s credit. Your company’s good credit, small volumes, and a large cash reserve take you one step closer to getting a bad credit or high-risk merchant account. These factors aside, credit card processors will give almost anyone a chance to do well.

How to Pick a Processor – Merchant Accounts with Poor Credit

t’s critical that you’re picky when deciding where to apply for a poor credit merchant account. As soon as you submit an application, you will spark a probe into your credit rating. Such an audit in and of itself can lower your credit score. So, how do you go about narrowing down the field of credit card processors? First, do your homework. You want to apply for an account from a company that’s in business for years, not months. Longevity equals credibility. Don’t forget to look for a company that has approval from third-party consumer groups such as the Better Business Bureau.

The Service You Get From

The top suppliers of bad credit merchant accounts have ways to help your business collect money from credit cards. For example, alerts you to chargeback activity so you can proactively deal with it. There’s a feature that compiles data for chargeback cases and sends in challenges. Also, we have a system to cut fraud. Set to detect scams, it flags accounts for fraudulent activity. Finally, this program helps you regain lost sales from declines that occur in error. By using chargeback prevention systems, business owners ensure they’re earning as much as possible. That, in turn, lets them pay their bills on time and mend their credit. After just a few months, an account provider for a bad credit merchant can help boost your credit score. When you’re ready, can be a partner in shoring up your financial future.

Let Us Help You Serve Your Customers Better

We know other processors set the bar too high. But past mistakes shouldn’t hold you back from realizing your dreams of growing your business. It doesn’t matter what challenges you’ve faced in the past or how low your credit score is now; it’s worth applying for a merchant account with bad credits. After all, the longer you wait, the more sales you’re missing by not offering your customers the option to pay by credit card or debit card. In today’s market, you can’t afford not to accept plastic.  Let us support you and your business in reaching your financial goals.

How to Get a Merchant Account with Bad Credit

Getting a merchant account with a bad credit rating can be difficult. There are many providers out there that offer merchant services for bad credit; however, it’s important that you choose to work with a company that puts your needs first. To get a merchant account and accept credit cards, apply online today! Merchants can fill out our simple online application. Make sure also to submit the following items:

  • A valid, government-issued ID or driver’s license
  • A bank letter or voided check
  • Bank statement reflecting the last three months
  • Three months of processing statements if applicable
  • Your Social Security Number (SSN) or Employer Identification Number (EIN)
  • A secure, operational website
  • Chargeback ratios under 2%

We cannot guarantee approvals, but we do guarantee a quick and easy application process. We have a long history of working with businesses of all types and in all industries. It doesn’t matter whether or not you’ve been rejected or terminated by other credit card processors; we look at the potential of your business as the sum of its parts, not its past. Apply now and get approved in 24 hours!

The Application Process

During the application process, underwriters will be looking for valuable information that will help us decide whether or not you are a viable applicant. Your business must prove to us that you are running a legitimate and reputable company. Our underwriters will assess risk by looking at various factors, including whether or not you are complying with the rules and regulations.

Factors that determine risk include:

  • Your credit scores
  • Credit card processing history
  • Your website
  • Bank statements

Your site must have privacy and refund policies posted in order to accept credit cards. A negative bank account balance, unpaid bills, and late payments will also increase risk.

To prepare for an underwriter’s review of your business:

  • Satisfy outstanding bills and debts
  • Have substantial money in the bank
  • Have a stakeholder in the business with the best credit history apply for the account

To increase your chances of approval, show processors that they will not be taking on any risk by granting you an uncollectable credit merchant account.

About Chargebacks

Underwriters reviewing bad credit merchants have their work cut out for them. Often, bad credit and FICO credit scores are an indication of a bad business model, and that can increase risk. When you don’t have policies put in place, customers can dispute credit card transactions, and merchants may not know how to handle those who claim they didn’t make purchases.

Other merchants may be faced with transaction complaints, and if you don’t refund the customer, it can result in a chargeback. Chargebacks are very common and occur most often on more expensive purchases. When a customer disputes a charge they found on their statements, the issuing bank must initiate a dispute and force the credit card processor and its bank to request documents from the merchant. Each party will need to confirm whether or not the charge was legitimate.

The problem with this is that the customer is always the most important person involved. They become the red flag for processors and sponsor banks because it indicates that something went wrong with the business model. Every complaint gets factored into a merchant’s chargeback ratio. Bad credit merchants need to keep their ratio below 2%, or else their accounts may be terminated.

Processors also face issues when there are excessive chargebacks — credit card companies fine processors for each business that exceeds the 2% ratio. Businesses with excessive chargebacks become no longer profitable enough for the processors and shut down merchant accounts.

 An even bigger problem is that once a processor shuts you down, it’s not easy to get another. A past terminated account can impact you when applying for another merchant account.

Keeping Your Chargeback Ratio Down – Merchant Accounts with Poor Credit

While you may think that fraud and stolen credit cards are the most common reason for chargebacks, most of the time they are due to unhappy customers who decide not to pay for the products or services after they receive them.

You can keep your chargebacks low by offering your customers full refunds. While it may be difficult for merchants to understand, it will keep a strike off of their record so that they can maintain their merchant account. Losing your merchant account will cost you hundreds or even thousands of sales, so your priority should always be keeping it and maintaining your quality customer service. A chargeback mitigation program can also reduce your chargeback ratios. By actively pursuing chargebacks, everyone can shield themselves from losing revenue while keeping their merchant accounts in good standing.

The Chargeback Prevention Program from High Risk Pay

In as little as 48 hours, your business can reduce chargebacks, fraud, and contest and win chargebacks. Our prevention program makes it easier for you to reduce chargeback ratios and protect your business. With a lower chargeback ratio, your merchant account will remain in good standing so that you can continue to accept credit cards and never be at risk of being shut down.

Getting a Merchant Account with Bad Credit

While getting a merchant account with bad credit might seem impossible, we give chances for all businesses to get approved. While we cannot guarantee that you will be accepted, we can guarantee a quick and painless application process. At High Risk Pay, we make it easy to move away from your past and maintain the future of your business. We specialize in helping businesses of all kinds get approved so that you can begin taking credit cards and maximizing your profits.

Easy Bad Credit Merchant Accounts For Your Business Credit

We understand that not all business ventures work out, but your new venture should not be affected by the past. If you have lingering bad credit from past ventures or you have filed for bankruptcy, you can still accept credit cards. We’ll help you succeed regardless of your FICO score, previous processing history, or even bankruptcies.

Why Apply for a Merchant Account Today with High Risk Pay?

  • Competitive, affordable rates
  • No application fees
  • Multiple secure payment gateway options

Contact us now to get approved for a bad credit merchant account quickly!

High Risk and Getting Bad Credit Merchant Accounts

If your business is high risk, you must know how the right processors are. High-risk merchant account providers may be able to process transactions for your business, but only reputable companies like High Risk Pay offer solutions to businesses that need it the most.

The Skinny on Bad Credit Merchant Accounts

Applying for a bad merchant account is similar to asking for a second chance to build a successful business. The acquiring bank and payment processor will be taking a risk on you, so it’s important that you can convince them of the reasons to help you. Acquiring a merchant account for bad credit means that you might have to adjust your business model and return to good standing. Merchants can get approved with low credit scores. Strong financials will be the key to helping you earn approval with lower limits.

Your Business Deserves a Second Chance

A merchant account for businesses with bad credit is your second chance to take your business and make it a success. We help businesses of all types accept credit card payments and ensure the future of their companies.

Frequently Asked Questions about Poor Credit Merchant Accounts | Every Thing You Need To Know About Bad Credit Accounts For Your Business

How can I get a merchant account with bad credit?

In most cases, businesses and merchants who have bad credit can still get a merchant account. High Risk Pay is happy to accept all merchants, regardless of their credit and looks at many things besides credit when approving accounts. We can help your business accept payments regardless of your credit standing.

How do you get approved for a merchant account?

You can be approved for a merchant account with High Risk Pay in as little as 24 hours. Simply feel out an application on our website and we will contact you as soon as it has been processed and approved. We have a 95 percent approval rate for bad credit merchant accounts.

Do you need good credit for a merchant account for your business?

No, even if you have bad credit, High Risk Pay may be able to approve your application and set up an account for you. We are proud to say that we have a 95 percent approval rate for merchants with bad personal credit.