BBB A+
Se Habla Espanol

(800) 956-1277
(949) 768-3600

Sign Up Now!

With No Setup Fees!

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

Bad Credit Merchant Account

Bad credit merchant account credit card processing services

Accept all major credit cards

Regardless of Credit History!

Bad credit isn’t a problem. We approve merchant accounts for credit card processing regardless of credit history.

If you want your business to grow, accepting credit cards is just what you need! Not only is bad credit not a hassle but signing up for a merchant account today comes with many benefits as well such as:

  • Fast approvals
  • No setup and cancellation fees
  • No long-term contract
  • No leases

We approve merchant accounts within 24-48 hours and quick setup once approved. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a FREE retail credit card terminal.

With approval turnaround time ranging between 24 and 48 hours, we make a decision quickly and set up your account immediately upon your approval.

Merchant Accounts for Bad Credit

Business owners with a rough credit history or low credit score often have trouble getting merchant accounts. This type of account lets companies accept credit card payments from their customers whether they pay in person or online. There are, in fact, credit card processing options for owners who have poor credit. With more people wanting to pay by credit card, it’s worth learning how to get a bad credit merchant account.

Why Bother With Credit Cards?

Credit card processing merchant services for businesses with bad creditStudies show that most consumers want to pay for goods and services with plastic. On top of that, they tend to spend more when using a MasterCard or Visa. The consumers’ desire to buy things with their mobile devices further fuels this love of credit card buying. Trends show mobile commerce is growing, especially among Millenials and Gen Xers. That’s why it’s so crucial for business owners to find a way to process credit card orders.

Ways to Accept Credit Cards

You’ll be happy to know there are merchant account suppliers that help high-risk clients. The processors that offer this service work with businesses that are in travel, e-cigarettes, drugs, and adult material. Collection agencies also can get accounts from high-risk processors as can companies that need to process many credit card payments, like telemarketers. Also, these high-risk merchant account companies work closely with business owners who have a poor credit history.

HighRiskPay.com Works With High-Risk Clients

At HighRiskPay.com, bad credit isn’t a problem. We open accounts for merchants whose personal credit would cause a quick refusal from traditional processors. With approvals done in 24 to 48 hours, we act fast and set up your account as soon as we approve you. We think getting an account should be easy.

Managing credit card processing services for high-risk business owners is our strong suit. You don’t have to worry about scaring us with financial horror stories from your past. It’s important that you’re truthful in your application, no matter how cringe-worthy your past is. We need a total view of your money struggles to process your request. As a bad credit merchant account provider, we rely on our clients, to be honest. It ensures we’re able to follow underwriting rules. We’re proud of our 95 percent approval rate for bad credit merchant accounts because it shows we want to work with most business owners.

There are many reasons a business owner has bad credit. Foreclosures, bankruptcies, and missed payments hurt your chances with other merchant account providers. Also, past liens and judgments against you create big black marks on your credit record. Not even such grave situations cause us to reject you out of hand when you apply for a bad credit merchant account with us.

Steep Fees Aren’t a Given

Some high-risk merchant account providers offset their risk by charging high fees to for applications, account set-up, and canceling service. Others may force retailers to sign a multi-year contract. Getting out of the contract may result in significant fees. HighRiskPay.com uses none of these practices because we don’t want to create hurdles for clients who’ve had money problems.

Some business owners may want to have someone with good credit as their co-signer when they apply for a bad credit merchant account. While this takes away the risk for the supplier, it’s not required for companies that work with people who have poor credit. At HighRiskPay.com, we favorably review most applications. It doesn’t matter if you have a co-signer.

How We Provide Great Service

You may wonder how companies like HighRiskPay.com can offer bad credit merchant accounts. Service providers working in this area look at many factors during application reviews. For example, if your business is a C-corporation or a limited liability company, the owner’s credit isn’t as relevant as the firm’s credit. Your company’s good credit, small volumes, and a large cash reserve take you one step closer to getting a bad credit or high-risk merchant account. These factors aside, credit card processors will give almost anyone a chance to do well.

How to Pick a Processor

It’s critical that you’re picky when deciding where to apply for a bad credit merchant account. As soon as you submit an application, you will spark a probe into your credit rating. Such an audit in and of itself can lower your credit score. So, how do you go about narrowing down the field of credit card processors? First, do your homework. You want to apply for an account from a company that’s in business for years, not months. Longevity equals credibility. Don’t forget to look for a company that has approval from third-party consumer groups such as the Better Business Bureau.

The Service You Get From HighRiskPay.com

The top suppliers of bad credit merchant accounts have ways to help your business collect money from credit cards. For example, HighRiskPay.com alerts you to chargeback activity so you can proactively deal with it. There’s a feature that compiles data for chargeback cases and sends in challenges. Also, we have a system to cut fraud. Set to detect scams, it flags accounts for fraudulent activity. Finally, this program helps you regain lost sales from declines that occur in error.

By using chargeback prevention systems, business owners ensure they’re earning as much as possible. That, in turn, lets them pay their bills on time and mend their credit. After just a few months, a bad credit merchant account provider can help boost your credit score. When you’re ready, HighRiskPay.com can be a partner in shoring up your financial future.

Let Us Help You Serve Your Customers Better

We know other processors set the bar too high. But past mistakes shouldn’t hold you back from realizing your dreams of growing your business. It doesn’t matter what challenges you’ve faced in the past or how low your credit score is now; it’s worth applying for a bad credit merchant account. After all, the longer you wait, the more sales you’re missing by not offering your customers the option to pay by credit card. In today’s market, you can’t afford not to accept plastic.

Accept Credit Card Payments!

APPLY TODAY for a merchant account online and pay NO application fee and NO setup fee.

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