Get approved in as little as 24 hours. No setup fees, no hidden costs.
Get Started FreeHigh-Risk Industries · Business Opportunities
Business opportunity companies sell the tools people use to start ventures of their own: franchise packages, direct-sales programs, coaching systems, and work-from-home kits. Nearly every sale closes online or over the phone, so banks underwrite the category as high-risk and mainstream processors routinely decline it. We built our business merchant accounts for that reality: underwriting runs through more than 20 acquiring bank partners, most merchants are approved within 24 hours, and pricing starts at interchange plus 0.80% — with every fee disclosed in the merchant service agreement before you sign.
Be approval-ready
What underwriters ask for
Your terms, before you sign
24 hrs
Most merchants are approved within 24 hours once documentation is complete.
1–2 wks
Typical full setup, from approval to processing through a secure payment gateway.
20+
Financial institutions, so a single bank's risk appetite never decides your fate.
From 0.80%
Interchange-plus pricing, with every fee disclosed in the merchant service agreement before you sign.
Apply
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 high-risk
Most sales close over the phone or online. Without a card physically presented, fraud and dispute rates run higher, and banks price and underwrite the category accordingly.
Many ventures in this space sell nutraceuticals, skincare, and other supplements that processors watch closely.
If your opportunity is built around those product lines, a dedicated nutraceutical merchant account can pair with your business opportunity processing.
Aggressive income claims and trial-style offers across the broader category drive disputes, even for merchants that market honestly.
Chargeback prevention alerts and clear billing descriptors help keep your ratio inside bank thresholds.
If you promise buyers help finding their customers, the FTC Business Opportunity Rule can govern when you are allowed to take payment.
Underwriters know the rule, so your application should show that you do too.
A standard processor may approve you quickly, but the account rarely survives its first risk review. When the bank discovers the business opportunity category, the usual outcome is held funds or a sudden shutdown — right as sales ramp.
A high-risk merchant account solves this by underwriting your risk profile honestly from the start and placing you with a bank that already supports the category, so growth strengthens the account instead of ending it.
What to look for
We work with more than 20 financial institutions, so one bank's risk appetite never decides your outcome.
Most merchants are approved within 24 hours with complete documentation; full gateway setup typically lands within one to two weeks.
Card-not-present sales carry elevated dispute risk. Prevention tooling should be included in the account, not quoted separately later.
Our pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before you sign. The acquiring bank sets final terms based on your product type, sales channels, processing history, and chargeback performance — and a legitimate provider explains those drivers up front.
If another provider has already told you your file is hard to place, send us your statements. We will tell you plainly whether we can place you and what it will cost.
One note on intent: some people searching for a merchant services business opportunity want to start a payments business of their own rather than find a processor. If that is you, contact us about partnership options.
If you run a business opportunity company and need to accept payments, everything on this page applies to you.
What we underwrite
We underwrite the full range of business opportunity models, including credit card processing for franchise networks. For direct sales and multi-level marketing, see our dedicated MLM merchant accounts.
If your model spans several categories, browse the high-risk industries we serve or ask our underwriting team about the right placement.
The difference
Built for the businesses other processors turn away.
What's included
Rates & funding
FAQ
Everything you need to know about merchant accounts and credit card processing for business opportunity companies
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