Who this is for
- ClickFunnels store owners declined by Stripe, Square, PayPal, or Shopify Payments
- Existing ClickFunnels merchants in CBD, vape, nutra, adult, firearms, or gambling verticals
- ClickFunnels subscription / continuity-billing businesses with elevated chargebacks
- Merchants migrating from a frozen aggregator to a real high-risk MID without re-platforming
- Six-figure-monthly ClickFunnels stores needing a backup gateway for routing redundancy
Why ClickFunnels merchants get declined elsewhere
ClickFunnels supports Stripe natively, which is exactly why so many ClickFunnels merchants get shut down. Stripe's risk model is designed for vanilla SaaS and apparel — not for free-plus-shipping continuity, trial-to-continuity rebills, $97-front-end-with-$497-OTO funnels, supplement bundles, or "FREE book just pay shipping" offers. The chargeback signature of those funnels (concentrated rebills on day 14 or day 30, high refund rate in the first 7 days, "I didn't authorize this" disputes from subscription buyers) trips Stripe's automated reviewers every time.
The fix isn't a different funnel software — ClickFunnels is fine. The fix is a different payment processor underneath. ClickFunnels integrates with NMI (Network Merchants Inc.) as its supported high-risk gateway, and NMI sits in front of dozens of acquiring banks that actively underwrite nutra, supplement continuity, coaching, and info-product verticals.
We provision an NMI gateway tied to an acquirer that wants your offer, then plug it into ClickFunnels' Payment Gateways screen. OTOs, order bumps, downsells, and recurring billing all flow through the gateway with full tokenization. The first transaction lands within hours of MID approval, and you keep the funnel, the upsells, and the customer journey you already built.
What you get with our ClickFunnels integration
Direct acquirer relationship — not a shared aggregator account that disappears on the first chargeback spike.
Drop-in gateway integration certified for ClickFunnels. No custom dev required.
Customers checkout once; subsequent purchases and rebills run from a stored token.
Verifi RDR and Ethoca alerts wired into the store admin so disputes are killed before they post.
Velocity rules, BIN blocking, and 3D Secure where the issuer supports it.
MIT-compliant rebills with auto card updater to keep subscriptions alive.
Authorize and settle in USD, EUR, GBP, CAD, AUD, JPY + 60 more for international stores.
A human on speed dial who knows your store, your MCC, and your batch history.
Underwriting documents you'll need
- Last 3 months of business bank statements
- Last 3 months of prior processing statements (if applicable)
- ClickFunnels store URL (must be live with refund, terms, privacy, contact, SSL)
- Government-issued ID for all 25%+ owners
- Voided business check or bank letter
- Articles of incorporation or LLC formation docs
- EIN letter (IRS Form CP-575)
Approval timeline
- 1Soft pre-qualification (same day)
We confirm acquirer fit and quote a real rate band before any document collection.
- 2Document collection (1–2 days)
We chase the items and review your ClickFunnels storefront for the compliance basics underwriters check.
- 3Underwriting (1–5 days)
Acquirer reviews and prices your file. We negotiate reserve and rate on your behalf.
- 4ClickFunnels plugin live (same day after approval)
Plugin/app installed, API keys configured, test transaction processed. First batch typically T+1 funding.
Side-by-side vs. HighRiskPay, CCBill, PayCompass & PayDiverse
How our placement model stacks up against the four most-cited high-risk processors. Based on public pricing pages, third-party reviews, and merchant reports as of 2026. We update this table quarterly.
| Feature | Us | HighRiskPay | CCBill | PayCompass | PayDiverse |
|---|---|---|---|---|---|
| Direct acquiring-bank network (12+ banks) | 5–6 | Primarily their own | Limited | 8–10 | |
| Domestic + offshore (EU/UK/APAC/Caribbean) | Domestic-heavy | Limited offshore | |||
| Soft pre-qualification (no credit pull) | |||||
| Published rate ranges (no bait pricing) | Vague | Custom only | Vague | Vague | |
| Chargeback alerts included (Verifi + Ethoca) | Add-on | Add-on | |||
| Multi-MID cascade / routing redundancy | |||||
| MATCH/TMF rehabilitation placement | |||||
| Gateway flexibility (NMI, Auth.Net, USAePay, custom) | Their own only | ||||
| Dedicated human account manager | Ticket queue | Enterprise only | Ticket queue | ||
| Approval timeline (standard files) | 24–72 hrs | 48–72 hrs | 5–10 days | 3–5 days | 2–5 days |
Comparison drawn from publicly available data. Competitor names and trademarks belong to their respective owners. Where a competitor's offering varies by plan, we represent the most commonly reported merchant experience.