About PayKings
PayKings: A High-Risk Merchant Services Provider Since 2011
We Exist for the Businesses Others Turn Away
Every day, legitimate businesses are declined by mainstream processors — not because they did anything wrong, but because their industry sits outside conventional underwriting. We built PayKings for those businesses. High-risk payment processing is all we do, and everything about the company — our banking relationships, our underwriting, our pricing — is built around it.
- Founded in 2011 in St. Petersburg, Florida
- 20+ Acquiring Bank Relationships
- 50+ Industries Served
- Most Merchants Approved Within 24 Hours
- Dedicated Account Managers
- No Setup Fees
Founder & CEO
Kyle Hall
CEO, PayKings
Kyle has spent more than 10 years in high-risk payment processing and SaaS development, building 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.
Our story
Our Story
PayKings was founded in 2011 by Kyle Hall and is headquartered in St. Petersburg, Florida. We are not a general-purpose processor that occasionally takes a difficult account. High-risk payment processing is our core competency, our daily work, and the standard we measure everything against.
Our team brings a combined 30 years of experience in merchant banking and card industry management. We have worked through regulatory changes, banking shifts, and industry-specific challenges that pushed less experienced processors out of the market or led them to abandon merchants mid-contract.
We built our systems, our banking relationships, and our team so that does not happen to your business.
Working with us
What Working With Us Looks Like
Banking Relationships That Fit Your Industry
More than a decade of cultivated partnerships with 20+ acquiring banks means we place your application with banks that already approve businesses like yours — a deliberate placement, not a mass submission.
Underwriting That Explains Itself
Our underwriters know what each bank requires before your file reaches it. If your application needs anything more, we tell you exactly what and why, in plain language.
Approval Within 24 Hours for Most Merchants
Once your application is complete, most merchants are approved within 24 hours. Preparing each file for the specific bank reviewing it is how we keep that timeline.
A Dedicated Account Manager
Every merchant works with one person who understands their industry and advocates for them when issues arise — during underwriting, at approval, and after your account is live.
Pricing
Pricing You Can Read Before You Sign
Pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before you sign. There are no setup fees and no hidden costs.
You should know exactly what you are paying before you agree to anything — and with us, you will.
The difference
PayKings vs. a traditional processor
Built for the businesses other processors turn away.
Industries
Industries We Serve
- CBD
- Nutraceuticals
- Vape & E-Cigarette
- Firearms
- Travel
- Debt Collection
- Pawn Shops
- Supplements
- Fintech
- Recurring Billing
Recurring-billing businesses carry their own dispute patterns. Our guide to gym merchant accounts explains why membership cancellations so often turn into chargebacks, and what underwriters look for as a result.
Services
What We Offer
Merchant Accounts
- High-Risk Merchant Accounts
- 20+ Acquiring Bank Partners
- E-Commerce & Retail Processing
- Most Approvals Within 24 Hours
Payment Solutions
Support & Tools
- Virtual Terminals
- Chargeback Management
- Dedicated Account Managers
- Developer API & Documentation
Compare providers
How to Evaluate a High-Risk Processor
Which acquiring banks approve my industry?
A processor with one bank relationship has one answer for you. We have more than 20, and we place your file where it fits.
What will I pay, in writing, before I sign?
Our pricing starts at interchange plus 0.80%, with every fee disclosed in the merchant service agreement before you sign.
How long will underwriting take?
With us, most merchants are approved within 24 hours of submitting a completed application.
Who handles my account after approval?
Here, it is a dedicated account manager who knows your industry — not a general support queue.
FAQ
Frequently Asked Questions
Common questions about our company, pricing, and how we work. Ready to see where your business fits? Contact us — most merchants are approved within 24 hours of a completed application.