Question 1

What is high risk merchant processing?

Accepted Answer

High risk merchant processing refers to credit card processing services for businesses that traditional banks and processors like Stripe, Square, and PayPal classify as elevated risk — typically due to industry (CBD, gambling, crypto, adult, nutraceuticals), chargeback ratios, processing volume, or international sales. Specialized high-risk processors place these accounts with acquiring banks that specifically underwrite the vertical.

Question 2

Why was my business declined?

Accepted Answer

The most common reasons are MCC code (your industry classification), prior chargebacks above 1%, terminated MIDs in the MATCH/TMF list, low or no processing history, poor personal credit, or operating in a vertical the processor's acquiring bank simply doesn't accept. We work around all of these — we underwrite the merchant, not just an algorithm.

Question 3

Can I get approved with bad credit?

Accepted Answer

Yes. Most of our acquiring banks weigh business fundamentals — processing history, volume, chargeback ratio, website compliance — much more than personal credit. We have programs for sub-550 FICO and merchants previously on the MATCH list.

Question 4

How fast can I get approved?

Accepted Answer

Most submissions are underwritten in 24–48 hours. Complex files (offshore, six-figure monthly volume, multiple entities) typically take 3–7 business days. We tell you upfront which bucket your file falls into.

Question 5

Do you support offshore processing?

Accepted Answer

Yes. We have direct relationships with EU, UK, APAC, Caribbean, and other offshore acquirers. Offshore solutions are ideal for international sales, restricted verticals, or merchants seeking redundancy alongside a domestic MID.

Question 6

What industries do you support?

Accepted Answer

CBD, hemp, nutraceuticals, online gambling and sports betting, crypto and digital assets, firearms and ammunition, adult content and dating, travel and ticketing, subscription and continuity, debt collection, credit repair, e-commerce of all kinds, forex and binary options, MLM, kratom, vape, and dozens of other high-risk verticals.

Question 7

Can gambling or crypto businesses qualify?

Accepted Answer

Yes. Both are core verticals for us. Online gambling requires the right licensing (Malta, Curaçao, Isle of Man, etc.) and crypto businesses need basic KYC/AML controls — we'll walk you through the specific bank requirements during application.

	Us	Banks	Stripe	Square	PayPal
Approval Odds	98%	20%	35%	30%	40%
High Risk Friendly
Chargeback Tolerance	Up to 2%	0.5%	0.7%	0.7%	1%
Offshore Support
Dedicated Support
Industry Acceptance	12+ verticals	Few	Few	Few	Some

High Risk Merchant Accounts — We Say Yes When Others Say No

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Approved Industries Others Decline

Built For High-Risk Businesses

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Chargeback Mitigation

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Enterprise-grade processing, included

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