Who this is for
- Magento store owners declined by Stripe, Square, PayPal, or Shopify Payments
- Existing Magento merchants in CBD, vape, nutra, adult, firearms, or gambling verticals
- Magento 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 Magento stores needing a backup gateway for routing redundancy
Why Magento merchants get declined elsewhere
Magento gives you full payment-method control — every gateway is just a Module installed via composer. The constraint isn't Magento; it's the gateway. Most pre-installed gateways (Braintree, PayPal Express, Stripe) won't keep CBD, vape, nutra, firearms, or continuity stores live once underwriting reviews the catalog.
We install a high-risk-friendly gateway extension (NMI, Authorize.net, or USAePay) via composer, configure it as a payment method in the Magento admin, and migrate any existing card vault to the new gateway's PCI-compliant vault. For Adobe Commerce / Magento Commerce stores using the native subscription module, we re-link existing subscribers to the new gateway on natural renewal.
Headless Magento (PWA Studio, custom Hyvä storefronts) is fully supported via REST and GraphQL — the gateway extension exposes the same payment-method endpoints regardless of frontend.
What you get with our Magento integration
Direct acquirer relationship — not a shared aggregator account that disappears on the first chargeback spike.
Drop-in gateway integration certified for Magento. 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)
- Magento 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 Magento 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.
- 4Magento 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.