High Risk Merchant Account and Payment Processing
Navigating high-risk industries is challenging, but PayKings makes it easier with our specialized high-risk merchant account services. Our expert team is dedicated to providing secure and efficient payment processing solutions tailored to your business needs.
86% Approval Rate
Industry-leading acceptance
No Setup Fee
Start processing instantly
24 Hour Approval
Quick application process
Chargeback Protection
Advanced security features
Secure Processing
Advanced fraud protection and secure payment processing for high-risk businesses
Fast Integration
Quick and easy integration with your existing systems and platforms
Expert Support
Dedicated team of experts to help you navigate high-risk processing
24/7 Monitoring
Continuous transaction monitoring and risk management
What is a High-Risk Merchant Account?
Understanding high-risk classification helps businesses find the right payment processing partner and set realistic expectations for approval and pricing.
Understanding High-Risk Classification
A high-risk merchant account is designed for businesses with a higher likelihood of chargebacks, fraud, or regulatory issues. Payment processors and acquiring banks categorize merchants as high-risk based on various factors including industry type, business model, and financial history. These accounts typically come with higher processing fees and reserve requirements but provide specialized support for challenging industries.
Key Risk Factors
- High chargeback rates or history
- Industry type and regulatory environment
- Processing history and business age
- Transaction volume and average ticket size
- Credit history and financial stability
For more detailed information, see our frequently asked questions.
Who Qualifies for High-Risk Processing?
Businesses in these industries typically require high-risk merchant accounts:
You may also qualify if your business has:
- High transaction volumes (over $20k/month)
- Bad credit or poor credit history
- Previous merchant account terminations
- Listed on MATCH/TMF list
- International sales or customers
- High average ticket prices (over $500)
As Featured In
Recognized by leading industry publications and organizations
Inc 5000
Fastest Growing Companies
CPO
Card Payment Options
Merchant Maverick
Top Payment Processor
Payment Review
Recommended Provider
Why Businesses Choose PayKings
With over 15 years of experience in high-risk payment processing, PayKings has become the trusted partner for businesses that others won't approve.
10,000+
Merchants Approved
50+
Industries Served
15+ Years
Industry Experience
$2B+
Processed Annually
High-Risk Merchant Account Pricing & Requirements
Transparency matters. Understanding the true costs of high-risk payment processing helps you make informed decisions for your business. Here's everything you need to know about fees, reserves, and approval requirements.
Discount Rates
Starting at 2.9%*
Rates vary based on industry risk, processing history, and transaction volume. CBD, adult, and travel industries may see higher rates due to chargeback risk.
Per-Transaction Fees
Starting at $0.10*
Transaction fees vary based on your business profile and risk assessment. These cover gateway and network costs, ensuring secure transaction processing.
Monthly Fees
Starting at $15*
Monthly fees may include account fees, statement fees, PCI compliance fees, and gateway fees. PayKings has no setup fees, making it easy to get started.
*Rates are for qualified merchants only. Higher risk merchants will have higher rates based on industry type, processing history, and business profile.
Rolling Reserve Requirements
A rolling reserve is a portion of your processing volume held by the acquiring bank to cover potential chargebacks. Understanding how reserves work is crucial for cash flow planning. Learn more about our reserve and chargeback coverage.
Underwriting & Approval Process
Our streamlined underwriting process gets you approved in 24-48 hours. Here's what we need and what we evaluate.
Required Documentation
- Business license or articles of incorporation
- Bank statements (3-6 months) showing business activity
- Processing statements (if you have prior processing history)
- Tax returns or financial statements
- Government-issued ID for all business owners
What We Evaluate
- 1Industry type and associated risk factors
- 2Chargeback history and dispute management practices
- 3Credit score and financial stability
- 4Business age and operational maturity
- 5Processing volume projections and patterns
Fast Approval: Get approved in 24-48 hours with our streamlined process.
How PayKings Compares
See how our transparent pricing and efficient processes stack up against industry standards. We believe in competitive rates with no hidden fees.
| Fee Type | Standard Range | PayKings Approach |
|---|---|---|
| Discount Rate | 3.5% - 6.5% | Competitive rates based on risk assessment |
| Transaction Fee | $0.25 - $0.50 | Transparent per-transaction pricing |
| Monthly Account Fee | $25 - $99 | No hidden fees, clear monthly costs |
| Setup Fee | $0 - $500 | $0 - No setup fees |
| Rolling Reserve | 5% - 20% | Risk-based reserve requirements |
| Approval Time | 3-7 days | 24-48 hours |
Ready to get started with transparent, competitive high-risk payment processing? Our team is here to answer your questions and find the right solution for your business.
High-Risk Industries We Accept
Our specialized services ensure secure transactions and effective risk management, allowing your business to thrive.
adult
Secure processing for adult content and services
CBD
Compliant solutions for CBD businesses
dating
Reliable processing for dating platforms
collection
Secure solutions for collection agencies
firearms
Compliant processing for firearms dealers
nutraceuaticals
Solutions for supplement businesses
pawn shop
Reliable processing for pawn shops
travel
Secure solutions for travel businesses
vape
Compliant processing for vape shops
web design
Solutions for digital service providers
Comprehensive Payment Solutions
Secure, reliable, and tailored payment processing solutions for your high-risk business needs
High-Risk Payment Gateway
Our high risk payment gateway makes high risk credit card processing safer and more secure with integrated fraud solutions to prevent chargebacks.
Credit Card Chargebacks
If you experience high levels of chargebacks or if your payment processor has dropped your account, you may need a high risk merchant account.
High-Risk Merchant Account Provider
Find the best high risk merchant account and payment gateway provider by knowing what to look for.
PayKings Integrations
Effortlessly integrate with a range of platforms to enhance your business operations. Connect with leading payment gateways, shopping carts, and essential tools to streamline your payment processing.
Payment Gateways
- Authorize.net
- NMI
- USAePay
Shopping Carts
- WooCommerce
- Shopify
- Magento
CMS Platforms
- WordPress
- Drupal
- Joomla
API Integration
- REST API
- SDK
- Custom
Ready to Start Processing with PayKings?
Join thousands of businesses who trust PayKings for their high-risk payment processing needs. Get started today and experience the difference.
* Based on merchant applications submitted and approved over the past 12 months. Learn about our methodology
Frequently Asked Questions
Ready To Get Started?
Low or high, your risk level won't stop you from getting a fast and easy approval. We accept and provide for a number of industries.