Services
High-risk merchant services, all in one place
Every way Spectrum helps a high-risk business get approved and stay processing: dedicated accounts, guides for hard files, payment methods and free tools.
Merchant accounts
Dedicated accounts by vertical
- High-Risk Merchant AccountA dedicated account for businesses generalist processors turn away.
- CBD Merchant AccountGet a CBD merchant account with card processing that stays live. Hemp-derived CBD is federally lawful under the 2018 Farm Bill, but banks still decline it. 90%+ approval, same-day integration.
- Kratom Merchant AccountGet a kratom merchant account that stays open. Kratom is not federally scheduled, but legality is a state and county map. 90%+ approval, same-day integration, no contract.
- Nutraceutical Merchant AccountGet a nutraceutical merchant account that survives a subscription model. In supplements the billing model is the risk, not the product. 90%+ approval, same-day integration.
- Firearms Merchant AccountGet a firearms merchant account for an FFL dealer, range or accessories retailer. Lawful, licensed, and refused by most aggregators on policy. 90%+ approval, same-day integration.
- Credit Repair Merchant AccountGet a credit repair merchant account that clears underwriting. The Credit Repair Organizations Act governs when you may bill, and your billing timing is what gets reviewed. 90%+ approval.
- Forex Merchant AccountGet a forex merchant account for a brokerage, signals service or trading educator. Regulatory status decides the terms. 90%+ approval, 170+ countries supported.
Hard approvals
Guides for difficult files
Getting paid
Payments, pricing and comparisons
Industries
Verticals we serve
Specialist underwriting for the industries generalist processors avoid.
- Cannabis
- CBD
- THCA
- Hemp
- Nicotine & Vape
- Sweepstakes
- Gaming
- Peptides
- Forex & Trading
- AI & SaaS
- Document Preparation
- Debt Collection
- Credit Repair
- Firearms & Ammunition
- Nutraceuticals
- Adult & Dating
- Global & Offshore
- Kratom
- High-Ticket Sales
- Online Courses & Coaching
- CBD Vape
- Subscription Boxes
- Travel & Booking
- Tobacco & Cigars
- Moving & Storage
Resources
Free tools and references
No sign-up required.
Not sure which service fits?
Send your business details and a high-risk specialist will point you to the right account.