Who this is for
- B2B merchants who want to push card transactions to lower-cost ACH
- Subscription operators looking to layer ACH on top of cards
- International sellers needing multi-currency authorization and settlement
- Merchants with six-figure monthly volume needing routing redundancy
- Businesses pairing domestic + offshore MIDs for risk distribution
- High-ticket sellers using ACH and wire to reduce interchange
Why high-risk merchants need more than cards
For low-risk merchants, "payment processing" usually means just credit card acceptance. For high-risk businesses, that's a fragile single-rail strategy: if your MID gets reserved, frozen, or terminated, your business stops collecting revenue immediately.
A real high-risk payment stack includes multiple settlement rails: cards as the primary, ACH as a parallel rail for recurring and B2B, wire for high-ticket, and depending on the vertical, alternative methods (Apple Pay, Google Pay, crypto on/off-ramps). It also typically includes multiple MIDs — domestic + offshore, or two domestic acquirers — with intelligent routing that balances volume and improves authorization rates.
The result is a payment infrastructure that bends instead of breaking when one component hits a limit. That resilience is what separates high-risk operators who scale from those who get knocked offline by a single chargeback spike.
Industries served
Features included
Visa, Mastercard, Amex, Discover with chargeback alerts and 3DS2.
NACHA-compliant ACH debit with return monitoring. Lower cost than cards.
High-ticket and cross-border wire acceptance with reconciliation.
Authorize in 60+ currencies, settle in 6 majors with real FX.
BIN, currency, and amount-based routing across multiple MIDs.
Apple Pay, Google Pay, and select wallet integrations.
Verifi + Ethoca for cards, real-time ACH return monitoring.
Single dashboard across cards, ACH, and MIDs. Webhook-driven reconciliation.
Underwriting documents you'll need
- Merchant application (cards + ACH)
- Voided business check + bank letter
- 3 months bank statements
- 3 months prior processing statements (if any)
- Government-issued ID (25%+ owners)
- Articles of incorporation / LLC formation
- EIN letter
- ACH authorization template (we provide)
Pricing factors
Card processing is priced as interchange + assessments + markup (typically 0.45–2.5% markup for high risk). ACH is priced flat — typically 0.5–1.5% capped at $5 per transaction. Wire receipt is usually $15–$25 per inbound wire.
Multi-currency authorization adds 0.5–1% cross-border markup on the card side, often more than offset by improved authorization rates and lower decline-driven revenue loss.
Payment orchestration (routing across multiple MIDs) is included free on enterprise plans, or priced at $0.005 per routed transaction.