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Trusted by 10,000+ Merchants

Merchant Accounts That Get Approved

Get approved in as little as 24 hours with our automated underwriting. We specialize in industries that other processors reject.

10,000+
Merchants Approved
86%
Approval Rate
24hr
Fast Approval
$2B+
Processed Annually

As Featured In

Inc 5000 logo
CPO logo
Merchant Maverick logo
Payment Review logo

Why Businesses Choose PayKings

With over 15 years of experience in high-risk payment processing, we've become the trusted partner for businesses that others won't approve.

Built for High-Risk

Specialized solutions for industries that traditional processors reject. We understand your unique challenges.

Fast Approval

Our automated underwriting gets most merchants approved within 24 hours. No weeks of waiting.

Dedicated Support

Work with a dedicated account manager who understands your industry and business needs.

Scalable Solutions

From startups to enterprises, our payment solutions grow with your business without limits.

Industries We Serve

Specialized payment solutions for 50+ industries that traditional processors reject.

Adult
CBD
Dating
Collection
Firearms
Nutraceuticals
Pawn Shop
Travel
Vape
Web Design
View All 50+ Industries

How It Works

Getting started with PayKings is simple. Our streamlined process gets you processing payments faster than any other high-risk provider.

1

Apply Online

Complete our simple online application in under 5 minutes. No paperwork, no hassle.

2

Get Approved Fast

Our automated underwriting reviews your application. Most merchants are approved within 24 hours.

3

Start Processing

Once approved, integrate our payment gateway and start accepting payments immediately.

Simple, Transparent Pricing

Interchange-plus pricing means you pay the actual interchange rate plus a clear markup. No setup fees, no hidden costs, no long-term contracts.

$0 – $100k / month

Starter

IC + 1.10%
+ 25¢ per transaction

Get processing fast with transparent interchange-plus pricing — no setup fees, no surprises.

  • Included: 24-hour approval
  • Included: T+2 settlement
  • Included: Email support
  • Included: Standard reporting
  • Included: Self-serve onboarding
  • Included: 50+ supported industries
  • Included: Chargeback alerts
  • Included: Gateway integrations
  • Not included: Dedicated rep
  • Not included: Dedicated risk analyst
Get Started
Most Popular

$100k – $300k / month

Growth

IC + 0.80%
+ 10¢ per transaction

Better rates and a dedicated rep for scaling merchants doing meaningful volume.

  • Included: 24-hour approval
  • Included: Next-day settlement
  • Included: Dedicated account rep
  • Included: Advanced analytics
  • Included: Guided onboarding
  • Included: Volume cap removed
  • Included: Monthly fee waived
  • Included: Chargeback alerts
  • Included: Gateway integrations
  • Not included: Dedicated risk analyst
Get Started

$300k+ / month

Enterprise

Custom
tailored to your volume & risk profile

Custom pricing, white-glove onboarding, and a dedicated risk team for high-volume merchants.

  • Included: 24-hour approval
  • Included: Same-day settlement (where available)
  • Included: 24/7 dedicated support team
  • Included: Advanced + custom dashboards
  • Included: White-glove onboarding
  • Included: Volume cap removed
  • Included: Custom monthly fee terms
  • Included: Dedicated risk analyst
  • Included: Chargeback alerts
  • Included: Gateway integrations
Talk to Sales

Final rates depend on industry risk, processing volume, and underwriting. Talk to our team for a custom quote tailored to your business.

Seamless Integrations

Connect PayKings with your existing tools and platforms. We support all major payment gateways, shopping carts, and provide flexible API options.

Payment Gateways

Connect with industry-leading gateways

Authorize.netNMIUSAePay

Shopping Carts

Seamless eCommerce integration

WooCommerceShopifyMagento

CMS Platforms

Works with your favorite CMS

WordPressDrupalJoomla

API Integration

Flexible developer tools

REST APISDKCustom
View Integration Docs

Ready to Get Approved?

Join over 10,000 merchants who trust PayKings for their high-risk payment processing. Our automated underwriting means faster approvals with less hassle.

  • No setup fees or hidden costs
  • 86% approval rate for high-risk merchants
  • Get approved in as little as 24 hours
  • Start processing payments immediately
10k+
Merchants
86%
Approval Rate
15+
Years Experience

Get Started Free

Please note: We are not currently accepting RUO peptide merchants. Applications for RUO peptide businesses will be declined.

Frequently Asked Questions

Everything you need to know about high-risk payment processing

A payment gateway, payment processor, and merchant account each play a distinct role in the process of accepting credit card payments. A payment gateway is the technology that securely captures and transmits cardholder data from a website or point-of-sale system to the payment processor. The payment processor then communicates with the customer's bank and the card network (like Visa or Mastercard) to authorize and complete the transaction. Finally, a merchant account is a special type of bank account where the money from approved transactions are temporarily held before being transferred to the business's main bank account. Together, these three components work seamlessly to enable businesses to accept and manage electronic payments. PayKings is proud to provide payment gateways, merchant accounts, and process payments. Fill out our form today to get started!
As an elite high risk payment processor, PayKings offers your customers the option to pay through a plethora of payment options including through debit cards, credit cards, ACH, E-check, card not present mobile orders, telephone orders. PayKings can equip your business with virtual terminals that can be accessed through the internet and physical payment terminals for point of sale transactions protected by EMV technology. We also offer mobile payment processing as part of our payment system.

PayKings has an established reputation for secure transactions through our utilization of several advanced methods to process payments securely, ensuring both merchant and customer data are protected throughout each transaction. One of the key tools we employ is AVS (Address Verification Service), which helps detect and prevent fraudulent transactions by verifying that the billing address provided by the customer matches the address on file with the card issuer. In addition to AVS, PayKings integrates end-to-end encryption and tokenization to protect sensitive payment information, minimizing the risk of data breaches. Additionally we maintain PCI-DSS compliance standards, regularly updating our systems and conducting security audits for the highest level of payment security. These combined measures safeguard transactions across high-risk and traditional business models.

Yes, PayKings requires a rolling reserve for its high-risk merchant accounts. This means a percentage of your revenue may be held in reserve to protect against potential chargebacks and other losses. The acquiring bank typically holds the funds until the account is closed and the funds are released.
Yes, PayKings does have termination fees if you decide to close your account early. Setting up merchant accounts comes with costs to us that are recouped through the time of the contract. To ensure that PayKings can continue to provide top-notch service to merchants we may require a fee if you terminate your contract before the end of its term. The specific amount and type of fee depends on your individual contract and the circumstances of the termination.
PayKings conducts a thorough risk assessment that reviews multiple data points including your industry type, merchant category code, your chargeback history, your credit score, credit history, your bank statements, the average transaction price, monthly sales volume, and your overall business model. The underwriting team also examines your balance sheet, revenue trends, and any prior merchant account terminations. For regulated sectors such as online gambling, insurance, cryptocurrency, or self storage, additional compliance documentation may be required. This due diligence process protects both PayKings and the acquiring bank while helping ensure your account remains stable long-term.
Yes, in many cases. While a strong credit score helps, PayKings works with over 50 banking partners and understands that entrepreneurs in high-risk industries often face unique financial challenges. A poor credit history does not automatically disqualify you. Underwriters will look at your overall financial picture (including bank statements, cash flow trends, and your current business model) rather than focusing solely on your credit score. Applicants with credit challenges should be transparent during the application process. Merchants that conceal information might initially be accepted, but these omissions will result in account termination.

PayKings provides high risk merchant services across a wide range of industries, including:

  • Online gambling and gaming
  • Bail bond services
  • Debt consolidation
  • Debt collection agencies
  • Insurance providers
  • Self storage facilities
  • Clothing and retail merchants
  • Furniture retailers
  • Weight loss and nutraceutical companies
  • Medication and pharmaceutical merchants
  • Search engine optimization (SEO) agencies
  • Software as a service (SaaS) platforms
  • Cryptocurrency businesses
  • Mail order companies

Additionally, we provide our merchant services to adult entertainment businesses with our adult merchant account solutions. Additional industries we serve can be found on our industries page. If your industry is not listed doesn't mean we can't help your business. Contact PayKings our team through the form found on this page and one of our experts can assess your business and identify the best payment processing solutions available.

Instant approval merchant accounts are designed to get businesses processing payments as quickly as possible (often within 24 to 48 hours). PayKings offers streamlined underwriting for many high-risk categories, enabling merchants to submit a 10-minute application and receive a decision rapidly. While truly instantaneous approval is rare in high-risk processing due to necessary due diligence, PayKings' established relationships with acquiring banks allow for one of the fastest turnaround times in the industry. Businesses in urgent need of payment processing — such as those recently dropped by another processor — should contact PayKings immediately to see if they qualify for one of our instant approval merchant accounts.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security requirements established by major card networks (including Visa and Mastercard) to protect cardholder data during and after a payment card transaction. Any business that accepts, processes, stores, or transmits payment card information is required to maintain PCI DSS compliance. Non-compliance can result in significant fines, increased processing fees, and even loss of your merchant account. PayKings processes all transactions through PCI DSS Level 1 compliant infrastructure, including end-to-end encryption and tokenization, to protect both merchants and their customers. Our team can guide you through your own compliance obligations and point you toward the appropriate audit and self-assessment tools.

PayKings is a dedicated high-risk merchant services provider with relationships across more than 50 acquiring banks, giving your business far more approval options than any single-bank acquirer can offer. Where generic credit card processors may drop your account at the first sign of a loan default, a dip in profit, or regulatory scrutiny, PayKings is built for exactly these scenarios. Our risk management team proactively monitors your account for instability and works with you when challenges arise. We serve merchants across a wide range of high-risk verticals and provide the kind of specialized customer service, point of sale solutions, and ongoing communication that standard processors simply cannot match. Whether you process payments on a mobile phone, through an internet storefront, or via a traditional terminal, PayKings delivers reliable, secure, and fairly priced card payments for your business.

Losing your ability to accept card payments can feel like a crisis, but switching to PayKings is a straightforward process. Begin by gathering your recent bank account statements, tax returns, and any accounting records that demonstrate your processing history and revenue. These documents help PayKings and your new acquirer quickly assess your financial risk profile and identify which of our 50+ banking partners is the best fit for your business. Whether you need a point of sale solution, a debit card processing setup, or a full e-commerce integration, our team moves quickly to restore your ability to take card payments and protect your brand's reputation in the process. High risk merchant accounts with PayKings can often be approved within 24 to 48 hours, even for businesses that have been flagged as a risk factor by other credit card processors.

Once your account is live, our risk management team continuously monitors your transaction data using advanced analytics and artificial intelligence to detect patterns that could signal friendly fraud, unusual consumer behavior, or emerging chargeback risk. Every card payment processed through PayKings benefits from EMV authentication at the point of sale and AVS (address verification service) for internet and mobile phone orders, creating multiple layers of protection between your business and potential losses. Our data security infrastructure undergoes regular audits to ensure ongoing regulation compliance, and your dedicated account manager maintains open communication with you so that you are never caught off guard by changes to your account status. If your processing volume grows rapidly, if you expand into new markets, or if your issuing bank dispute rate begins to climb, PayKings flags these developments proactively and works with you to address them before they escalate into larger financial risk.
PayKings takes customer service seriously and maintains an open feedback culture at every level of the organization. Our customer support team is reachable by telephone and online, and we assign every merchant a dedicated account manager who serves as a consistent point of communication rather than a rotating call center contact. As part of our commitment to transparency we encourage merchants to fully review our merchant services provider agreement, familiarizing themselves with the fees and contract terms. Our reputation is built on being the processor that stands by high-risk merchants when others walk away, and the feedback we receive from long-term clients reflects that commitment.
Reviewed byKyle Hall - CEO of PayKingsKyle Hall— CEO of PayKings

Kyle has built his over 10 year career around high-risk payment processing and SaaS development, developing a deep understanding of the payment solutions business owners need. In addition to equipping high-risk merchants with payment processing tools for success, he has also founded PulseCRM (a CRM built specifically for the needs of the payment industry). Kyle’s focus has always been on creating practical systems and strategies that help businesses scale, not just in theory, but in practice.

Ready to Start Processing?

Get approved in as little as 24 hours. No setup fees, no hidden costs.

See All Industries →
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Contact

  • 433 Central Ave
    St. Petersburg, FL 33701
  • (801) 899-7255

Industries

  • Adult
  • CBD
  • Dating
  • Firearms
  • Online Gaming
  • Nutraceuticals
  • Travel
  • View All

Solutions

  • Payment Gateway
  • ACH Processing
  • Chargeback Management
  • Fraud Prevention
  • Virtual Terminal
  • Mobile Payments
  • Recurring Billing
  • 3D Secure

Resources

  • Blog
  • Partner Program
  • Integration Docs
  • FAQ
  • Login

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What Our Merchants Say

4.6

Based on 336+ reviews across Google & Trustpilot

John avatar

John

4 months ago

These guys are the best hands down! Would highly recommend using them to setup a no hassle merchant account they are helpful every step of the way and never pushy or trying to upsell. Thank you PayKings!

C

Clarence

2 months ago

It was really nice and helpful.

A

Ayden

3 months ago

Mickey Robertson was absolutely amazing. Helped me every step of the way and answered every single question.. I had a lot of them/ I’d give him and zen payments a 10/10 he’s definitely the best at what he does and more

S

Samuel

3 months ago

GREAT SERVICE. THANKS GABRIEL!!

J

JOSEPH GARY

6 weeks ago

she provided good support and help me out

Lucas Dandrea avatar

Lucas Dandrea

9 months ago

PayKings—and especially Kara—far exceeded expectations. They matched my pace, moving as fast as I needed while still executing thorough due diligence. The entire process was seamless, fast, and clearly customer-focused. Kara’s communication, transparency, and follow-through were exceptional. Highly recommend.

A

Andrew

3 months ago

Gabe was a huge help with updating my company info

H

Haseeb

3 months ago

Mickey was great to work with . Super responsive and was able to get the account setup.

Susan Daly avatar

Susan Daly

5 months ago

Your technical advisor, Junior, was efficient and thorough in helping us set up a new merchant account. Excellent customer service.

C

Carroll Murray

3 months ago

Vanessa was real easy to talk to and helpful. It was a pleasure having her answer all of my questions to my satisfaction today.

M

Michael

3 months ago

Gabriel really helped me out with my previous problem

B

Brendan

3 months ago

Gabriel and Ryan were an absolute pleasure to work with and I couldn’t be happier they were a huge help !!

Read all 336+ reviews on Google & Trustpilot →