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Get Started FreeMerchant Solutions · Accounts
Most online credit card processing services are built for low-risk sellers — and they suspend or terminate accounts the moment a business gets flagged as high risk. PayKings takes the opposite approach. We connect a dedicated merchant account, a secure payment gateway, and high-risk-friendly acquiring banks into one payment system, so you can accept credit cards, debit cards, and digital wallets through your website, mobile app, virtual terminal, or point of sale.
At a glance
The short answer
The payment flow
Every transaction moves securely through your gateway, our processing, and the acquiring bank — then settles to your account.
Customer
Enters card
Gateway
Encrypts & routes
PayKings
Processes
Acquiring bank
Authorizes
Settled
Funds deposited
How it works
When a customer pays on your site, your payment gateway encrypts the card details and routes the transaction to the processor, which requests authorization from the customer's issuing bank.
Once approved, funds are batched, settled, and deposited into your merchant account — typically within one to two business days. For a deeper walkthrough, read our guide on how credit card processing works.
To process credit cards online, you need three things. PayKings provides all three — including a dedicated high-risk merchant account — even for industries mainstream processors decline:
Payment methods & channels
PayKings supports both online credit card processing and online debit card processing through a single integration. Accepting debit alongside credit typically lowers your blended processing cost, since debit interchange runs lower than credit — an easy win for high-volume merchants.
Our web-based credit card processing solution works wherever you sell:
Pricing & protection
Authorization happens at checkout, and approved funds are batched, settled, and deposited into your merchant account — typically within one to two business days.
PayKings offers flat-rate and interchange-plus pricing. Because we underwrite you up front, your full fee structure — including any reserves — is set out before you sign, with no surprise holds later.
There is no single normal rate for online credit card processing. Your effective rate is driven by four factors:
Every transaction is protected with encryption, tokenization, and PCI DSS-compliant infrastructure.
Built-in fraud prevention screens transactions before they authorize, and our chargeback management tools deliver alerts, dispute response, and mitigation guidance to keep chargeback ratios inside card-brand thresholds — the single most important factor in keeping a high-risk account healthy.
The difference
The difference between PayKings and processors like Stripe, Square, and PayPal is that PayKings underwrites your business up front for a dedicated merchant account, while aggregators approve instantly and terminate restricted categories later. Aggregation works well for low-risk online sellers; for high-risk businesses, a dedicated account and matching gateway mean approval is based on real underwriting — not an algorithm that shuts you down after you've built revenue.
Getting set up
Start with a simple online application for your high-risk business.
Provide the documents underwriters need to evaluate your business.
Our team matches you with the right acquiring bank and terms for a dedicated high-risk merchant account.
Integrate your payment gateway, start accepting payments, and grow your revenue.
Online, in app, and in person
FAQ
Everything you need to know about high-risk payment processing
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
