High-risk merchant accounts for businesses banks decline
High-risk is a decision an acquirer makes about your file, not a verdict on your business. We place merchants that aggregators refuse on category alone, across 25+ verticals, and we underwrite before you go live rather than after you have built on it.
- Approval rate
- 90%+
- Underwriting decisions
- Same day
- Countries supported
- 170+
Approval rate
Underwriting decisions
Countries supported
What you get
- 90%+ approval for hard-to-place businesses
- Visa, Mastercard, Amex, Apple Pay and Google Pay
- USD payouts to your U.S. bank
- Same-day integration
- No contract, one flat rate
- Same-day underwriting decisions
Based outside the United States? Canadian and international merchants settle in their own banking system. Tell us where your entity is and we will match the acquirer to it.
Merchant accounts by vertical
Each page covers the regulatory reality of that category, why accounts in it get declined, and exactly what underwriting needs from you.
We process virtually everything high-risk
Industry pages cover how processing works day to day in each category.
How approval actually works
Apply free
One short form. No application fee and no contract, so there is nothing to lose by finding out.
Underwriting reads your file
A same-day decision on a complete file. If something is outstanding you are told what it is rather than declined for it.
Integrate the same day
Approved merchants go live the same day, with built-in redundancy so one acquirer issue is not an outage.
Estimate your approval odds
Three quick answers. No credit pull, no commitment.
High-risk merchant account questions, answered
What makes a business high-risk?
An acquirer's risk model, not a legal classification. The usual drivers are chargeback exposure, regulatory complexity, average ticket size, recurring billing and how long the business has been trading. A perfectly lawful business with a subscription model and a high average ticket can be high-risk, while a riskier-sounding one with clean disputes may not be.
Why did an aggregator close my account without warning?
Aggregators board merchants first and underwrite later. You go live in minutes because nobody read your file, and the category surfaces at the first review or dispute. A dedicated merchant account inverts that order: underwriting happens before you go live, so the answer does not change after you have built a business on it.
How long does approval take?
We return an underwriting decision the same day on a complete file, and integration is same-day once you are approved. What extends a timeline is almost always a missing document rather than a difficult category.
What will I need to provide?
Three months of processing statements, or bank statements if you are new. Formation documents, your EIN letter and photo ID for each owner over 25%. Anything category-specific — a licence, lab certificates, a restriction map — is listed on the vertical page that applies to you.
Do you work with businesses outside the United States?
Yes. We support merchants in 170+ countries. Canadian and international merchants settle in their own banking system rather than into a U.S. account, and the acquirer is matched to where your entity actually is.
Is there a contract or an application fee?
No contract and no application fee. Pricing is one flat rate quoted after underwriting has read your file, rather than a headline number promised before anyone has seen a statement.
Find out if you are approved
No application fee, no contract, and a same-day underwriting decision.