Best High-Risk Payment Processors - Page 2
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Compare the Top High-Risk Payment Processors as of May 2026 - Page 2
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ProMerchant
ProMerchant
We fully understand that today’s businesses need a tremendous amount of care and support. We accomplish this by providing our clients with best-in-class service and free processing solutions, while leveraging decades of payment processing expertise to ensure our merchants have a second-to-none payments experience. From your first moment of contact with us, we will compassionately listen to your needs, which allows us to provide you with the correct rate structure for your business. Transparency, competency and consistency are key to our philosophy and we meet these standards by offering Interchange and Zero Cost Processing pricing plans. Our fair, straightforward pricing models allow our clients to truly understand their rates and fees, which provides peace of mind. We’re also focused on ensuring our merchants are set up with the processing solution that is best for their specific business type, which removes the guess work that often accompanies setting up a merchant account. -
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Basis Theory
Basis Theory
A fully programmable vault to create engaging commerce flows, connect with any partner, effortlessly manage compliance, and keep control of your payments data. Empower your payment operations with tailored solutions. Act swiftly, innovate boldly, and operate securely. Stand up a vault in as little as 5 minutes—migrate your card data, connect with partners, and control your payment flows. Universal Form Elements. Integrate checkout, capture and display cards on any platform with 3D Secure support. Secure Data Vaulting and Updates. Confidently protect card data. Switch PSPs and update cards with tools like Account Updater and Network Tokens. Complete Control. Manage payment flows with the Proxy. Deeply integrate for full payment journey oversight. Developer Toolkit. Use a modern stack with extensive SDKs. Simplified integration, testing, and operations with guides. -
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Soar Payments
Soar Payments
When you submit your application, you’ll get an instant price quote to DocuSign, no offline paperwork, no faxes, and no waiting. You will automatically receive Industry Minimum pricing in your online quote. No more frustrating haggling with sales reps. When you call or email, you’ll always speak with our friendly, in-house client support team. Our friendly, in-house client support team will help you get set up. We’ll make it fast and easy. Retail businesses can choose from a traditional credit card terminal, wireless, or point-of-sale system. Whatever you choose, our retail merchant accounts will have you accepting credit and debit cards faster and for less. -
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SMG Global
SMG Global
Cut through the hassle of getting approved and get merchant services that fit your unique business. We are a one stop shop for all of your payment processing needs. Our trusted banking solutions with the industry’s finest allow us to create payment solutions for all types of merchant accounts, both domestic and international. Excessive chargebacks can cause legitimate businesses to be considered high risk. Our chargeback prevention suite helps you identify chargebacks before they occur. Our robust ACH platform helps you optimize your processing while providing flexible payment options for your customers and giving you peace of mind. We understand how complicated merchant payment processing services can be. -
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GSPAY
GSPAY
We specialize in providing offshore merchant account and third-party merchant account payment solutions to international businesses. GSPAY provides a credit card and cryptocurrency payment gateway allowing you to accept payments against very competitive rates. We are experts in handling merchant payment processing for a variety of high-risk and low-risk industries, both big and small clients. GSPAY credit card processing solutions include everything you need to get started quickly and process online payments securely and in complete confidence. As part of these solutions, GSPAY offers both merchant accounts and cryptocurrency accounts for all types of businesses. Complete products, services, and membership management. Customized shopping cart and order page design. Recurring billing support as well as free trials for your clients. Acceptance of the main credit card types and quick online payment implementation. -
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Host Merchant Services
Host Merchant Services
We provide merchant services payment systems for all businesses. Get a credit card processing system customized for mobile payments, point of sale, e-commerce credit card processing, EMV terminals, and more. We will greatly reduce your merchant services fees while substantially improving the customer service you receive. Our excellent customer service and low rates retain customers, not termination fees. Experience the freedom of locked-in credit card processing rates that won't increase over time. Qualify for a free EMV-compliant mobile swiper or terminal with a merchant account. You’ve created an app but need to integrate payment processing. You’ve come to the right place! We offer custom direct integrations with an easy-to-use API and a broad range of terminal solutions. -
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PayWorld
PayWorld
PayWorld is a specialist service provider to helps businesses that are already trading or starting up to leverage the experience of the processing industry and get the best processing rates and settlement times to make sure that payments are not hindering the business. PayWorld provides merchant account services to businesses and individuals that are just starting up, as well as established businesses that are now looking for a better payment solution. PayWorld provides a stable, secure online trading environment to ensure your online business has the best chances of success. If you are ready to sell online and don’t know quite where to start, start here. Whatever your business, we have a solution. Our acquiring partner network is worldwide and includes carefully selected reliable and stable partners providing competitive rates. We offer ecommerce solutions for all types of low-risk and high-risk online ecommerce and brick-and-mortar businesses. -
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ccNetPay
ccNetPay
Whether you run a small business or a large corporation with high volumes seeking the lowest fees, accepting subscriptions or MOTO-based sales, or if you're a high-risk merchant in the gaming or adult industry, we will arrange and place you with the most competitive and trusted acquirer. Our goal is a long-lasting and secure payment solution for your business. We accept all legal businesses wanting to accept major credit cards on their websites and businesses that need a virtual terminal to process orders taken by phone/mail. With all our acquiring banks we can also place high-risk merchants. In general, your customers can and will spend more with a credit card than with cash or checks. Consumers recognize that a business that accepts credit cards is a legitimate business, one that the credit card associations have endorsed by allowing them to participate in the credit card system. We also arrange 3rd party accounts for offshore and international business. -
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SecureGlobalPay
SecureGlobalPay
SecureGlobalPay is a long-established, full-service merchant account provider for both retail and high-risk merchant services. We provide end-to-end merchant solutions for all business types while focusing on the harder-to-approve higher volume merchants seeking long-term relationships for ticketing, firearms sales, telemedicine, adult, collections agencies, travel & hospitality industries. We also assist merchants who have been previously terminated or suspended and are seeking to re-establish their processing relationships. In order to provide optimal payment processing solutions to our merchants, we operate various business units dedicated to industry segments. Staffed with knowledgeable and experienced professionals, we work closely with our merchants to determine which of the many services available today are best suited to their business needs. We maintain working relationships with all of our merchants once their merchant account solutions are implemented. -
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ECS Payments
ECS Payments
Our cutting-edge payment processing solutions offer customizable packages to fit any merchant’s needs. Whether you need a virtual or physical terminal, payment gateway, or POS software integration, we have what you need. With our partners at security metrics, you can become PCI compliant effortlessly. We outline the steps you need to become compliant, protect credit card information, and protect your customers—all while saving you thousands of dollars. All of our development and support staff work in-house and in person. We are a family-run business that understands the potency of personal touch and polished relationships with our clients. -
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PayDiverse
PayDiverse
We have the largest network of high-risk banks in the industry, and growing. Our team has spent more than 20 years in the high-risk space formulating and strengthening our network of domestic and international banking partners to be able to provide diversified solutions suitable for nearly every type of high-risk merchant account. Our online application, which is integrated with dozens of banks, assures a quick application and approval process so you can start accepting credit cards right away. Our online portal delivers daily status updates from our banking partners and reminds you exactly what is missing to get you approved. With over 40 different bank solutions that have been tested, we can ensure that your application will only be submitted to banks that work with businesses like yours. Minimize fraudulent charges by utilizing our fraud-prevention services. -
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Axcess Merchant Services
Axcess Merchant Services
When arranging your merchant account, we use our established relationships with hundreds of reputable card processing banks to find the best match, best rates, and the right acquirer for your business. Our merchants include many profitable household-name brands, but we also help merchants who have been declined, had their merchant accounts closed down by banks, or have high chargeback rates. We’ll provide you with a combined merchant account and gateway services with secure encrypted connections. We also offer recurring billing and mobile billing. Our payment gateways are secure, with fraud protection to ensure your business is protected with 60 different types of risk settings. Our gateways provide you with all of the tools, systems, and technology required to effectively run your business. If your business deals with payments from a variety of countries, we can provide processing across 179 different currencies. -
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TailoredPay
TailoredPay
A high-risk merchant account is a specialized payment processing account designed for businesses that operate in industries with a higher risk of chargebacks or fraud than traditional businesses. TailoredPay’s merchant accounts are custom-tailored for high-risk industries, with fraud prevention and chargeback mitigation services built in. A robust fraud and chargeback mitigation strategy is essential for every high-risk business. Each TailoredPay merchant account comes with a range of services and specialized tools crafted to help your business reduce risk, mitigate chargebacks, and optimize profits. We work with leading payment gateway providers to help you accept payments online, over the phone, and in person. Whether you want to accept credit cards, eChecks, or contactless payments, TailoredPay has the right high-risk payment gateway to help your business grow. -
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BankCard USA
BankCard USA
BankCard USA has been a leading provider of merchant services since 1993. We offer credit card processing products and services for new and existing businesses. Accept payments online through a payment gateway, in-store with a credit card terminal, over the phone via a virtual terminal, or on the go using a mobile credit card processing app. Whether you need a low or high-risk merchant account, omnichannel payment services for a large company, or simply a credit card machine for a small business, we work with you to find the best payment processing solution to suit your unique business needs and goals. Of the thousands of credit card processing companies, we guarantee the lowest credit card processing fees through our bank-direct program. Accept credit cards, debit cards, gift cards, electronic checks, and electronic funds transfers with a solution designed with your business in mind today. We have established payment services for over 100,000 merchants. -
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Payssion
Payssion
One-stop solution for global payment processing. One API for 200+ local payment methods worldwide. Get access to 200+ local payment methods with one account without hassle. No setup fees monthly fees, and other hidden fees. No fees will be charged before you are paid. Integration is made easy with Payssion One API for all payment methods, or plugins for the shopping cart system. You can start selling globally with our 200+ local payment methods which could cover most countries. Your customers can choose the local payment method they prefer and pay with the local currency. One API for all payment methods, and we have plugins for PHP, SDK, Zencart, Opencart, Magneto, etc. With no chargeback risk for most local payment methods, and no setup fees, monthly fees, or other hidden fees. No fees will be charged if the payments are not paid successfully. You can request payouts anytime. Our convenient features make it easy for you to accept global online payments. -
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MerchACT
MerchACT
We are the leading high-risk merchant service provider in the world with the industry knowledge and track record to help you set up your high-risk business that lets you scale and won’t get you terminated. Stable internet merchant accounts for instant credit card processing. We offer the fastest and easiest way for merchants to accept credit cards online, by phone, and in person. With our cash discount plan, 100% of your processing fees are eliminated. This is for both retail, ecommerce, and B2B phone sales. From day 1, we are going to provide you with a scalable end-to-end payment solution that is specific to your business requirements. Talk with one of our friendly MerchACT advisors who will assess your current situation and advise you on the right solution for your business requirements. We provide efficient merchant account services for businesses of all sizes, anywhere in the world. -
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EU Paymentz
EU Paymentz
EU Paymentz has grown from a small payment processing company to one of Europe's most respected and reliable card processors. With a fully PCI-compliant payment gateway and banking relations throughout the European Union and around the world, EU Paymentz can handle most merchants, including high-risk. High-risk merchants looking for payment processing services can turn to EU Paymentz for reliable services. As many merchants are aware, high-risk merchant accounts many times have problems from either the card associations or the banks. The long-time relationships that have been built through EU Paymentz have helped alleviate many of these concerns and paved the way for lasting payment processing services. Merchants that are in need of B2B or business-to-customer payments can work with EU Paymentz to easily and affordably send payments. Whether it's through cryptocurrency or bank wires/bank transfers, EU Paymentz has a variety of options for businesses. -
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Total Processing
Total Processing
Our expert team will help you avoid complex and unnecessary issues when taking payments. We make processing payments as seamless and secure as possible. Let your customers make payments online when and how they want with a seamless integration of payment methods. Make card payments even easier with our smart checkout solutions. Reduce cart abandonment and increase authorization rates. Manage your merchant account and online business with one seamless, flexible, integrated software. Accept payments on a huge range of ecommerce platforms, in-app services, payment plug-ins, shopping carts and custom solutions to enhance your payment pages. -
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Allied Wallet
Allied Wallet
With more than a billion dollars processed globally and millions of satisfied customers to our credit, we make sure your payment processing is reliable around the clock. Allied Wallet has powerful tools and resources available that can help companies hit the ground running from day one. Flexible, full-featured credit card processing services are hard to find, but we can customize a solution for every type of customer. We go the extra mile to ensure that all transactions are encrypted and secure using state-of-the-art payment processing technology. Securely accept payments online and keep your business and your customers protected at all times. With seamless, hassle-free integration to our payment gateway, you can avoid long integration processes. -
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Instabill
Instabill
Merchant accounts for businesses are classified as risky for many reasons, including brand new business, poor credit history, operating in a high-risk industry, processing a high volume of transactions, or high ticket transaction values. Rely on the Instabill team to get you a high-risk merchant account business, today. Expert merchant services for ecommerce businesses, POS businesses, and mobile businesses. Accept credit and debit cards, contactless payments, and online transactions with Instabill’s payment processing and merchant account solutions. ACH payment processing provides a cost-effective, secure, private electronic payment transfer system. Accept and process credit card payments in more than 160 currencies with Instabill’s international merchant accounts. A high-risk merchant account is a certain type of business bank account assigned to those merchants who present a degree of risk associated with their business. -
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PressPay
PressPay Technologies
JustPressPay is a comprehensive financial services platform that empowers businesses of all sizes and risk levels with AI-driven payment solutions. Their offerings include card acquiring services, enabling acceptance of a wide array of credit and debit cards with global reach and integrated security protocols. Additionally, they provide bank processing solutions designed for efficiency and precision, featuring real-time payments and seamless integration with existing financial systems. JustPressPay also offers card payout services, facilitating secure and convenient global fund transfers to over 170 countries, with multi-currency support and immediate access to funds through recipients' debit cards. Their AI-optimized efficiency and security ensure adaptive, automated processes that save operational resources, fast onboarding, smart routing, and advanced machine learning for robust fraud prevention. -
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PayCompass
PayCompass
PayCompass is a U.S.-based financial technology company specializing in comprehensive payment processing solutions for businesses of all sizes, including those in high-risk industries. Founded in 2020 and headquartered in Tempe, Arizona, PayCompass has rapidly expanded its services across North America, supporting over 4,000 merchant accounts and processing more than $3 billion in transactions. Starting Price: $0 -
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Sameless Chex
Sameless Chex
Seamless Chex is a comprehensive payment processing platform designed to enable businesses to accept and verify checks, ACH payments, and credit cards online or in person. It offers instant setup and approval for all legal U.S. businesses, facilitating fast next-day funding. With Seamless Chex, customers can make payments online or over the phone, eliminating the need for physical checks and reducing processing time. It supports multiple payment methods, including eCheck processing, ACH processing, and credit card processing, all within a single interface. Seamless Chex provides tools such as virtual terminals, hosted payment pages, bulk upload via CSV, and API integrations to accommodate various business needs. Advanced verification tools validate customer funds and account validity in real-time, helping to prevent check fraud and reduce the risk of non-sufficient funds fees. -
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QuadraPay
QuadraPay
At QuadraPay, we leverage our extensive network of trusted acquiring banks and processors to deliver the most suitable merchant account solutions for your business. Whether you're an established brand, a startup, or a high-risk merchant who has faced declines or account closures, we help match you with the right acquirer, best rates, and reliable processing partners. Our solutions include fully integrated merchant accounts and payment gateways, backed by secure, encrypted connections. We support ecommerce, retail, recurring billing, mobile billing, and multi-channel payment environments. Our advanced payment gateways feature industry-leading fraud prevention tools with over 60 configurable risk filters to safeguard your business. With processing support for 179 currencies, QuadraPay helps businesses operate seamlessly across global markets. From chargeback management to recurring payments and multi-currency support, our platform equips you with the tools you need.Starting Price: $10 -
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Mondo
Mondo
Mondo is a PSD2-compliant Open Banking payment platform that enables businesses to accept secure, instant payments directly from customer bank accounts—no cards required. It eliminates chargebacks and reduces transaction fees while offering real-time settlement via SEPA Instant and UK Faster Payments. With bank-grade security and GDPR compliance, Mondo ensures full protection of customer data and regulatory alignment across Europe. Its API allows for seamless integration with just a few lines of code, making it simple for developers to get started quickly. By connecting with over 3,000 banks across the EU and UK, Mondo provides broad coverage and exceptional reliability. Designed for the digital economy, it’s a faster, safer, and more cost-effective alternative to traditional card payments.Starting Price: 2% -
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Clover
Clover Network
Clover POS is an all-in-one cloud-based solution for processing and accepting payments. With Clover POS, business owners and retailers get secure access to a complete suite of products and features that replaces standard cash register, stand-alone terminal, receipt/label printer, and barcode scanner. The platform includes features such as fast checkouts, inventory management, time clock, purchase orders and vendor maintenance, cloud reporting and management, QuickBooks integration, lifetime hardware warranty option, and so much more. Clover builds smart, customized point of sale systems to make running your business easier. Join the mass migration to online orders. We’ve got you covered from click to pickup. Shopping and dining should be enjoyable—and worry-free. Keep it that way with contact-free orders and payments. Counterside, curbside or home office-side, Clover is as mobile and flexible as you need it to be. -
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Fasto
PayFasto
Working with us will enable a full platform of solutions from payment methods to hosting and more. Get easy and strong solutions to work with for your business with one of our solutions. We mean what we say, we have the best support on the market. test us out. We're fully PCI compliant and all data is safe with us, and we live up to the highest standards. Fasto has many years of experience with Fintech and PaymentTech, and we use this experience every day to build solutions to benefit you. Whether you're a start-up or experienced as well, we can help you save money and grow. Keep track of your payment methods via our portal and always stay on top of what is going on in your store. Fraud and chargeback prevention can also increase approval rates and enable 3DS to control your mids. -
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D24
D24
If you're looking to expand your business reach with local payment support, no matter where you are, our services help you tap into multiple markets globally from one single place. Offer your customers a wide range of payment options to choose from, including those commonly used in specific regions throughout the world. Our API integrates various payment methods into one dynamic checkout experience. Now, you can accept multiple currencies worldwide. We handle the payment process so you can concentrate on growing your business. A single integration grants you access to multiple markets worldwide. Leverage our understanding of global markets to benefit your business. Meet your customer's needs quickly and efficiently. Secure each one of your transactions. Direct integration with the most commonly used alternative payment methods in emerging markets. Over 200 local payment options for both deposits and withdrawals. Easily manage pay-ins and pay-outs with a single API integration. -
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Fird Card Payments
First Card Payments
Keeping our processing fees at the lowest rates possible for years is a win-win. We earn your business and you save money. We have built a reputation for being the best at what we do, so you can focus on being the best at what you do. We have over 25 years of experience and long-standing relationships with over 30 different banks and ISOs. Some of these relationships are personal, directly with the owners, presidents, and CEOs of these banks. These relationships are the advantage we give our clients. Our relationships and experience allow us to stay 2 steps ahead of underwriting regulations so that you experience little to no interruption in services. We work with you to ensure that your business is always compliant. -
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AllayPay
AllayPay
At AllayPay, we specialize in high-risk and high-volume merchants. But we’re also proud to service thousands of low-risk and card-present merchants across all industries, including hotels, restaurants, bars, retail stores, salons, electricians, lawyers, consultants, and much more. Give customers the option to choose what works best for them. Our processing platforms take payments from any preferred method of transaction. As a high-risk industry, finding the right payment processor can be challenging. Whether it’s a reputational risk, bad credit or strict regulations, getting approved for a merchant account is no easy feat. What you need is a payment processor who understands your industry and the risks you face each day.
