Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Background Checks
Background check companies sell reports and screening subscriptions online — card-not-present transactions most traditional processors avoid. PayKings provides credit card processing for background checks businesses through high-risk merchant accounts built for the industry, with an average approval time of around 24 hours.
Be approval-ready
What background check underwriters ask for
Your terms, before you sign
24 hrs
Average approval time, though timelines vary with your documentation and risk profile.
Next-day
Funding, with 24/7 customer support included with your merchant account.
20+
Banking partners, so you're matched to a bank that fits rather than a single underwriting standard.
Apply
Card-not-present sales plus subscription billing mean elevated chargeback exposure, so many traditional banks decline the category outright. Processors that onboard background check merchants without understanding that profile are the ones that later freeze accounts and hold funds.
PayKings underwrites background check businesses as high-risk from day one and provides background checks credit card processing through banking partners that accept the industry.
Getting set up
Begin with our straightforward online application to start your merchant account setup process.
Provide essential documents to support your merchant account application.
Our experts guide you through the underwriting process to ensure a smooth and efficient approval.
Begin accepting payments seamlessly and focus on growing your revenue.
Why PayKings
Accept one-time report purchases and recurring screening subscriptions with card-not-present credit card processing built for the background checks industry:
Processors that onboard background check merchants without understanding the industry's card-not-present, subscription-heavy risk profile are the ones that later freeze accounts and hold funds.
PayKings underwrites background check businesses as high-risk from day one and places your account with a banking partner that understands the industry.
Accept one-time report sales and recurring screening subscriptions with chargeback prevention, fraud protection, next-day funding, and 24/7 customer support included with your merchant account.
Approval
If you are searching for a high-risk merchant account with no credit check, it helps to know what underwriters actually review: your business. Applications are evaluated on:
Because PayKings works with 20+ banking partners rather than a single underwriting standard, we can often approve background check merchants that single-bank processors decline. Learn more about what a high-risk merchant account includes and how underwriting works.
Four steps from application to processing:
High-risk merchants require specialized payment processors. Avoid disruptions with PayKings, a leader in high-risk merchant account solutions for the background checks industry.
Select a credit card processor that understands the background checks industry to prevent account closures and fund holds. Trust PayKings for stability and growth.
Background checks is one of many verticals PayKings supports. Explore more high-risk processing industries we serve.
What we underwrite
Sell all three through the same merchant account. Clear billing descriptors and recurring-billing best practices keep chargeback ratios healthy on subscription products.
What's included
Keep processing
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about background checks credit card processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
