We place merchant accounts in industries the big processors decline — peptides, adult, gaming, CBD, firearms, vape, supplements, and high-volume subscriptions. Discreet underwriting. Dedicated reps. No surprise terminations.
Stripe, Square, and PayPal cut off entire industries with one policy update. Banks freeze funds and terminate accounts based on chargeback ratios or MCC codes. We're different — because we underwrite each business individually and work with sponsor banks that understand these verticals.
Compliant credit card processing for research peptide and research chemical retailers.
Learn moreStable processing for adult content sites, cam platforms, creator subscriptions, and adult retail.
Learn moreCompliant payment processing for sweepstakes, fantasy, skill-gaming, and online gambling operators.
Learn moreStable accounts for CBD, hemp, kratom, and Farm Bill-compliant cannabinoid retailers.
Learn moreSpecialized processing for nutraceuticals, supplements, weight-loss, and continuity-billed wellness brands.
Learn more2A-friendly credit card processing for FFL dealers, ranges, gunsmiths, and firearms eCommerce.
Learn morePACT Act–compliant processing for vape, e-cig, smoke shops, and tobacco retailers.
Learn moreRecurring billing infrastructure built for trial offers, subscription boxes, and continuity programs.
Learn moreWe don't run high-risk applications through a generic algorithm. A senior underwriter reviews your business model, processing history, and risk profile — and writes a placement strategy specific to your account.
You get one person who knows your file. When you have a chargeback question at 7pm or a sudden funding hold, you're not starting from scratch with a tier-1 agent reading a script.
High-risk accounts get terminated for chargeback ratios above 1%. We pair your account with chargeback alerts (Verifi, Ethoca), 3DS2 authentication, fraud scoring, and rolling reserve strategies that keep you below threshold.
High-risk processing costs more than retail, but that doesn't mean you can't see the math. Interchange-plus pricing fully disclosed. No surprise fee buckets, no buy-rate markups hidden in "service fees."
One bank can't terminate your business if you have a backup. We board most high-risk accounts with secondary MIDs at separate sponsor banks so a single termination doesn't shut you down.
Send us your business details and last 3 months of processing statements. We'll tell you whether we can board you — and if so, what your real rate would look like.