High Risk Online Payment Processing by High Risk Pay

Fast approvals, next-day funding, and 99% approval for high-risk merchants.

  • Bad Credit Accepted
  • High Approval Rate
  • Next-Day Funding
  • Chargeback Prevention
See If you Qualify

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No Setup Fees!

Privacy Information: Your contact information will not be used for anything except contacting you regarding the question or comment you have.

Integrations? We have you covered!

HOW IT WORKS

From Application to Processing,
Made Simple

Apply

Tell us about your business in a quick application.

Get Approved

Our specialists help identify the right solution.

Start Processing

Begin accepting payments with confidence.

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WHAT WE DO

About High Risk Pay

  • Why Choose Us
  • Instant Approval
  • Credit History
  • Competitive Rates

Choose High Risk Pay as your merchant account provider

High Risk Pay provides high risk payment processing solutions backed by long-standing bank relationships, fast approvals, and specialized underwriting for merchants other providers reject

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Instant Approval for High-Risk Merchant Account

The underwriting process for high-risk businesses may take up to a few extra days than usual, especially in highly regulated industries. Rest assured that our team works as hard as possible to get you approved quickly. 

The approval process at High Risk Pay typically takes 24 to 48 hours, which is faster than most other high-risk merchant account approvals. Our number one priority is to get your merchant account up and running as quickly as possible. A 99% approval rate means that your unique business is almost guaranteed approval and that you can begin accepting payments quickly and easily.

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High-Risk Merchant Services for Any Credit History

At High Risk Pay, we offer merchant services for any credit history. We can set you up with a high-risk merchant account, even with bad credit. Not convinced? Our high-risk merchant account high average approval rate is 99% – the highest in the industry. With High Risk Pay, quickly get a bad credit merchant account with fast approvals and no setup and cancellation fees. It’s very easy to apply online. Find out more about our bad credit merchant accounts here.

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High-Risk Merchant Account at Competitive Rates

What about fees? A high-risk merchant account can have higher taxes and restrictions on it. Fees vary by provider and heavily depend on your company’s specific needs. But at High Risk Pay, we don’t believe in punishing customers for being in a business that presents a greater risk of fraud or chargebacks.

Through High Risk Pay, fees are similar to traditional card processors. In return, you as a business owner get many ways to accept credit cards and debit cards for transactions. You will have the pleasure of serving your customers, while making transactions as convenient for them as possible. 

In addition, while other high-risk merchant account providers may charge up to a couple hundred dollars for application or setup fees, High Risk Pay charges nothing to set up your own high-risk merchant account.

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INDUSTRIES WE SERVE

High-Risk Payment Solutions
for Your Industry

Explore some of the industries we support – and find a payment solution
built for the way your business operates.

Ecommerce

CBD & Hemp

Nutraceuticals

Travel

Subscription Services

Adult

Firearms

Credit Repair

High-Volume Accounts

Online Pharmacy

Startups

Tech Support

Don’t see your industry? We work with many other high-risk businesses, too.

Explore All Industries
Our Merchant Account Services
TERMINALS
TERMINALS
MOBILE
MOBILE
E-COMMERCE
E-COMMERCE
PROCESSING
PROCESSING
SURCHARGING
SURCHARGING
FRAUD
FRAUD
CHARGEBACKS
CHARGEBACKS
GATEWAYS
GATEWAYS

FAQs

Questions Before You Apply?

Get clarity on the process before you get started.

Do I qualify for a high-risk merchant account?

You may qualify if you operate in a high-risk industry, have high transaction volume or chargebacks, or were declined by another processor. We’ll review your business and recommend a suitable option.

How long does approval take?

Timing depends on your business and documentation. Our team will guide you through each next step.

How does pricing work?

Pricing is based on your industry, processing history, transaction volume, and risk profile. We’ll explain the available options and fees before you move forward.

Can you help if I’ve been declined before?

Yes. We work with businesses that have been declined, terminated, or need a more reliable processing solution. We’ll review your situation and work to find an appropriate banking partner.

What documents will I need?

Most applications require a completed form, photo ID, business and bank information, and recent processing statements if applicable. We’ll provide a checklist tailored to your business.

What happens after I apply?

A High Risk Pay specialist reviews your application and follows up for any needed documentation. Once approved, we’ll help you complete account setup and begin accepting payments.

Still have questions?

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APPLY TODAY

High Risk Merchant Account Approval Fast

High Risk Pay provides 24-48 hour approvals, 99% acceptance, and next-day funding.

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REVIEWS

Trusted by Merchants Who Need More Options

★★★★★

“I highly recommend high risk pay to anyone that is looking for a merchant and my rep Julie is the best her customer service is excellent. Whenever I have a problem she is always on top of it and gets it fixed she is the best.”

Stephen Crowley

★★★★★

“Excellent customer service. When it comes to merchant services you need a company that will be there to support all kinds of things that happen when it comes to merchant processing. It has been 8 years they have always been there to help.”

E. Linden

Secure & supported

Your business is in good hands.

PCI DSS Compliant

BBB Accredited Business

Trusted Merchant Support

See Why Merchants Choose HRP

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Ready to Find the Right

Payment Solution?

Take the first step toward a payment solution built for your business.

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  • No obligation
  • Built for high-risk industries
  • Guidance at every step