Payment Processing for the Businesses Everyone Else Turns Down

Payment networks classify certain industries as high-risk based on elevated chargeback rates, regulatory complexity, or reputational factors. Being labeled high-risk doesn’t mean your business has done anything wrong — it’s a category designation.

Stripe and Square are aggregated platforms designed for low-risk merchants. They reserve the right to terminate high-risk accounts at any time, often without warning. Businesses that need stable, uninterrupted processing need a dedicated merchant account with a processor who actually supports their industry.

High-risk processing rates are higher than standard retail, typically in the 2.5%–4.5% range depending on industry, volume, and chargeback history. With interchange-plus pricing you have full transparency into what you’re paying — and rates often improve as your processing history matures.

A standard application includes: government-issued ID, voided business check, 3 months of bank statements, 3 months of processing statements (if applicable), business license, and your website URL. Some industries require additional documentation — we’ll tell you exactly what’s needed up front.

Yes — this is one of the most common situations we handle. Contact us as quickly as possible. Do not attempt to re-apply with the same processor or open a new account with an aggregator. We’ll handle the placement through the right channel.

No. We don’t charge a broker fee or application fee. We earn our revenue as part of the processing relationship, which means we’re motivated to find you a setup that actually works long-term.