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Web Development > Merchant Account / CC Processing - High-Risk Business

Name Description Pricing Features Top Pros Top Cons Best For

Maverick BankCard
Rating: 95%

Maverick BankCard is an all-in-one payment processing provider, with a complete lineup of easy, efficient and secure merchant account solutions for credit card processing services all under one roof. With Maverick, you can access a wide selection of payment products, including B2B processing, virtual terminals, software integration, mobile processing, eCommerce solutions, seamless point-of-sale compatibility, surcharging and more, combined with our client-centered support as they are committed to supporting you and your business.
read more
from $9.95 to $19.95 per month, excluding transaction fees. Payment Gateway,
ACH & Check,
Gift & Loyalty,
Point-of-Sale,
Bizlitix,
Business Funding,
Multi-currency
offers high-risk merchant accounts,
provides custom pricing,
ideal for high-risk merchants,
secure solution for processing your business's card payments,
excellent customer support

read more
obstructive and confusing fraud prevention policies high-risk businesses

eMerchant Broker
Rating: 95%

eMerchantBroker is a merchant account provider that is one of the top payment processors for high risk e-commerce business types. The company is willing to work with high risk business types that may not be eligible for merchant accounts through traditional processors, such as adult products, credit repair companies, collection agencies, e-cigarette vendors, firearms dealers, online gaming businesses, and others.
read more
2.99% - processing rate,
early termination fee $295 - $595
merchant accounts,
chargeback shield,
payment gateways,
check processing services,
business funding,
etc
higher-than-average quality of service,
work with challenging high-risk business categories,
high-quality customer support and a reputable sales team
read more
high fees
use many different processors
high-risk businesses

Payment Cloud
Rating: 95%

PaymentCloud is a merchant account provider that specializes in credit card processing solutions for high-risk business types.PaymentCloud can provide a tailored CCP solution with competitive fees and pricing, to suit each business’s unique needs.
read more
quote-based payment gateway,
virtual terminal,
shopping cart integration,
eCheck and ACH processing,
etc
good for eCommerce businesses,
good for high-risk businesses,
no account setup fee,
no monthly minimum for low-risk,
free credit card terminal,
excellent customer support,
few public complaints

read more
no publicly disclosed pricing,
website needs improvement
e-Commerce, mail order/telephone order, and other generally high-risk businesses

2Checkout
Rating: 90%

2Checkout (2Checkout.com & 2CO.com) is an electronic payment service (merchant account alternative) founded in 2000 that allows merchants to accept online credit card payments from customers in their home country and abroad.
read more
starts at 2.9% + $0.30 per transaction
1.0% cross-border fee
no monthly or setup fees
international processing,
hosted checkout,
payment API,
shopping cart integration,
recurring billing,
fraud protection,
virtual terminal,
etc

read more
predictable flat-rate pricing,
month-to-month agreement,
no setup or Application fees,
no monthly fee,
ideal for international merchants,
good developer tools,
excellent website & advertising

read more
not suitable for card-present merchants,
account stability issues,
not good for high-risk merchants
software/SaaS,
online services,
physical goods/retail

Soar Payments
Rating: 98%

Soar Payments LLC launched in 2015 intending to provide industry-leading solutions in the high-risk merchant account space. Since then, they have expanded to offer solutions to mid risk and low-risk merchants, too. Their Houston-based team does indeed deliver that “Texas Hospitality” you’ve heard so much about! Cowboy boots are optional, but highly encouraged, at SoarPay headquarters.
read more
high-risk gateway: $15/month + $0.25 per transaction,
chargebacks: $45,
ACH debit: 2.50% and $15/month,
no Application fee
read more
merchant accounts,
high-risk payment gateway,
low-risk payment gateway,
eCommerce Integrations,
chargeback management and fraud prevention,
card terminals,
mobile payments,
etc

read more
ideal for high-risk merchants,
automated custom price quoting,
automated Application process,
fast underwriting,
no Application fees,
no processing history required

read more
only works with US-based businesses,
does not do CBD oil accounts
high-risk businesses

Host Merchant Services
Rating: 98%

Host Merchant Services is a Newark, Delaware-based merchant account provider that serves a variety of business types. Host Merchant Services is one of the top-rated merchant services providers on CPO. Host Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California.
read more
starts at 0.2% + $0.09 per transaction,
monthly fee: $14.99,
chargebacks: $15,
retrievals: $20
merchant account,
virtual terminal and payment gateway,
shopping cart,
integration,
credit card terminals,
mobile processing,
POS packages,
gift card and loyalty cards,
web hosting,
etc

read more
transparent cost-plus pricing,
month-to-month agreement,
no setup or Application fees,
no monthly minimums,
spotless track record,
good customer support

read more
expensive for low-volume merchants high-risk businesses,
service and retail businesses

SMB Global
Rating: 95%

SMB Global is a merchant account provider headquartered in South Jordan, Utah. SMB Global is set up to work exclusively with high-risk merchants and those who need an offshore merchant account. It covers most of the most common categories of high-risk merchants.
read more
quote-based high-risk merchant accounts,
offshore merchant accounts,
payment gateway,
online shopping cart integration,
ACH payments,
chargeback prevention suite,
business loans,
etc

read more
offers high-risk merchant accounts to a wide variety of industries,
offers offshore merchant accounts,
reasonable pricing,
reasonable contract terms,
excellent customer service

read more
no mobile App,
website lacks detailed account information
high-risk businesses

Easy Pay Direct
Rating: 95%

Easy Pay Direct (easypaydirect.com) is a merchant account provider headquartered in Austin, Texas. The company primarily functions as an online payment gateway provider that matches standard- and high-risk merchants with credit card processors that most closely fit their needs.
read more
$29.99 monthly account fee 95% + $0.25 per transaction (lower rates available for high-volume businesses),
EPD gateway included in the monthly account fee
read more
merchant accounts,
high-risk specialization,
payment gateway,
credit card terminals,
POS systems,
mobile payments,
shopping cart integration,
developer resources,
merchant cash advances,
etc

read more
accepts a wide variety of high-risk industries,
load balancing feature for high-risk merchants,
no equipment leases,
no early termination fees for most merchants,
in-house sales team

read more
$99 account setup fee,
three-year contract with automatic renewal clause
high-risk businesses,
CBD & HEMP,
enterprises,
online gateway

HRMA
Rating: 95%

HRMA-LLC specializes in the best high-risk merchant accounts and credit card processing. They can approve practically every business type, even if you have been turned down for payment processing. With decades of experience, their team is here to help. Even if you have been shut down by your current processor, they have a solution for your particular situation.
read more
quote-based e-Commerce gateways,
CRM integrations,
virtual terminals,
credit card point-of-sale solutions,
etc
can Approve you even if you have been turned down for payment processing,
turn-around time is 3 days
there are not so many reviews available online high-risk businesses

Instabill
Rating: 98%

Instabill provides reliable, cost-effective merchant services that help e-commerce, retail and MOTO businesses succeed and thrive. In 2001, Founder and CEO Jason Field established the company to assist merchants in obtaining high risk and offshore credit card processing solutions. Today, Instabill is one of the industry’s leading high-risk merchant account providers worldwide.
read more
0.25% + $0.10 interchange-plus$0.10 (+ $99/month membership) - subscription,
qualified: 1.79% + $0.10(mid-qualified: 2.19% + $0.15) (non-qualified: 2.99% + $0.20) tiered 2.90% + $0.30 online 2.75% in-person flat-rate
read more
high-risk merchant accounts,
international (overseas) merchant accounts and gateway,
low-risk merchant accounts,
credit card terminals,
mobile EMV POS,
ACH processing,
etc

read more
set up accounts even for the most high-risk businesses,
customer support center has educational material,
only use in-house sales staff to sell and set up its merchant
read more
no complaints filed with the BBB high-risk businesses

PayKings
Rating: 95%

PayKings is a payment processing solutions provider for B2B, e-Commerce, and retail businesses that are categorized as high-risk merchants and entail a significant amount of risk, allowing them to facilitate and accept payments through various channels securely at low rates and fees. PayKings offers clients access to a network of more than 20 banks and PSP’s.
read more
quote-based e-Commerce,
retail & swipe terminals,
3D Secure level 2 & 3 processing,
recurring billing,
cash advance,
charge backs,
fraud prevention,
etc

read more
high-quality service,
mobile SDK solutions for eCommerce merchants,
customized eCommerce payment solutions,
low chargeback ratios,
tight anti-fraud measures

read more
no price information available on the website high-risk businesses

Maverick BankCard

Pricing from $9.95 to $19.95 per month, excluding transaction fees.
Features Payment Gateway,
ACH & Check,
Gift & Loyalty,
Point-of-Sale,
Bizlitix,
Business Funding,
Multi-currency
Top Pros offers high-risk merchant accounts,
provides custom pricing,
ideal for high-risk merchants,
secure solution for processing your business's card payments,
excellent customer support
Top Cons obstructive and confusing fraud prevention policies
Overall Rating 95%
Best For high-risk businesses

Maverick BankCard is an all-in-one payment processing provider, with a complete lineup of easy, efficient and secure merchant account solutions for credit card processing services all under one roof. With Maverick, you can access a wide selection of payment products, including B2B processing, virtual terminals, software integration, mobile processing, eCommerce solutions, seamless point-of-sale compatibility, surcharging and more, combined with our client-centered support as they are committed to supporting you and your business.

eMerchant Broker

Pricing 2.99% - processing rate,
early termination fee $295 - $595
Features merchant accounts,
chargeback shield,
payment gateways,
check processing services,
business funding,
etc
Top Pros higher-than-average quality of service,
work with challenging high-risk business categories,
high-quality customer support and a reputable sales team
Top Cons high fees
use many different processors
Overall Rating 95%
Best For high-risk businesses

eMerchantBroker is a merchant account provider that is one of the top payment processors for high risk e-commerce business types. The company is willing to work with high risk business types that may not be eligible for merchant accounts through traditional processors, such as adult products, credit repair companies, collection agencies, e-cigarette vendors, firearms dealers, online gaming businesses, and others.

Payment Cloud

Pricing quote-based
Features payment gateway,
virtual terminal,
shopping cart integration,
eCheck and ACH processing,
etc
Top Pros good for eCommerce businesses,
good for high-risk businesses,
no account setup fee,
no monthly minimum for low-risk,
free credit card terminal,
excellent customer support,
few public complaints
Top Cons no publicly disclosed pricing,
website needs improvement
Overall Rating 95%
Best For e-Commerce, mail order/telephone order, and other generally high-risk businesses

PaymentCloud is a merchant account provider that specializes in credit card processing solutions for high-risk business types.PaymentCloud can provide a tailored CCP solution with competitive fees and pricing, to suit each business’s unique needs.

2Checkout

Pricing starts at 2.9% + $0.30 per transaction
1.0% cross-border fee
no monthly or setup fees
Features international processing,
hosted checkout,
payment API,
shopping cart integration,
recurring billing,
fraud protection,
virtual terminal,
etc
Top Pros predictable flat-rate pricing,
month-to-month agreement,
no setup or Application fees,
no monthly fee,
ideal for international merchants,
good developer tools,
excellent website & advertising
Top Cons not suitable for card-present merchants,
account stability issues,
not good for high-risk merchants
Overall Rating 90%
Best For software/SaaS,
online services,
physical goods/retail

2Checkout (2Checkout.com & 2CO.com) is an electronic payment service (merchant account alternative) founded in 2000 that allows merchants to accept online credit card payments from customers in their home country and abroad.

Soar Payments

Pricing high-risk gateway: $15/month + $0.25 per transaction,
chargebacks: $45,
ACH debit: 2.50% and $15/month,
no Application fee
Features merchant accounts,
high-risk payment gateway,
low-risk payment gateway,
eCommerce Integrations,
chargeback management and fraud prevention,
card terminals,
mobile payments,
etc
Top Pros ideal for high-risk merchants,
automated custom price quoting,
automated Application process,
fast underwriting,
no Application fees,
no processing history required
Top Cons only works with US-based businesses,
does not do CBD oil accounts
Overall Rating 98%
Best For high-risk businesses

Soar Payments LLC launched in 2015 intending to provide industry-leading solutions in the high-risk merchant account space. Since then, they have expanded to offer solutions to mid risk and low-risk merchants, too. Their Houston-based team does indeed deliver that “Texas Hospitality” you’ve heard so much about! Cowboy boots are optional, but highly encouraged, at SoarPay headquarters.

Host Merchant Services

Pricing starts at 0.2% + $0.09 per transaction,
monthly fee: $14.99,
chargebacks: $15,
retrievals: $20
Features merchant account,
virtual terminal and payment gateway,
shopping cart,
integration,
credit card terminals,
mobile processing,
POS packages,
gift card and loyalty cards,
web hosting,
etc
Top Pros transparent cost-plus pricing,
month-to-month agreement,
no setup or Application fees,
no monthly minimums,
spotless track record,
good customer support
Top Cons expensive for low-volume merchants
Overall Rating 98%
Best For high-risk businesses,
service and retail businesses

Host Merchant Services is a Newark, Delaware-based merchant account provider that serves a variety of business types. Host Merchant Services is one of the top-rated merchant services providers on CPO. Host Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California.

SMB Global

Pricing quote-based
Features high-risk merchant accounts,
offshore merchant accounts,
payment gateway,
online shopping cart integration,
ACH payments,
chargeback prevention suite,
business loans,
etc
Top Pros offers high-risk merchant accounts to a wide variety of industries,
offers offshore merchant accounts,
reasonable pricing,
reasonable contract terms,
excellent customer service
Top Cons no mobile App,
website lacks detailed account information
Overall Rating 95%
Best For high-risk businesses

SMB Global is a merchant account provider headquartered in South Jordan, Utah. SMB Global is set up to work exclusively with high-risk merchants and those who need an offshore merchant account. It covers most of the most common categories of high-risk merchants.

Easy Pay Direct

Pricing $29.99 monthly account fee 95% + $0.25 per transaction (lower rates available for high-volume businesses),
EPD gateway included in the monthly account fee
Features merchant accounts,
high-risk specialization,
payment gateway,
credit card terminals,
POS systems,
mobile payments,
shopping cart integration,
developer resources,
merchant cash advances,
etc
Top Pros accepts a wide variety of high-risk industries,
load balancing feature for high-risk merchants,
no equipment leases,
no early termination fees for most merchants,
in-house sales team
Top Cons $99 account setup fee,
three-year contract with automatic renewal clause
Overall Rating 95%
Best For high-risk businesses,
CBD & HEMP,
enterprises,
online gateway

Easy Pay Direct (easypaydirect.com) is a merchant account provider headquartered in Austin, Texas. The company primarily functions as an online payment gateway provider that matches standard- and high-risk merchants with credit card processors that most closely fit their needs.

HRMA

Pricing quote-based
Features e-Commerce gateways,
CRM integrations,
virtual terminals,
credit card point-of-sale solutions,
etc
Top Pros can Approve you even if you have been turned down for payment processing,
turn-around time is 3 days
Top Cons there are not so many reviews available online
Overall Rating 95%
Best For high-risk businesses

HRMA-LLC specializes in the best high-risk merchant accounts and credit card processing. They can approve practically every business type, even if you have been turned down for payment processing. With decades of experience, their team is here to help. Even if you have been shut down by your current processor, they have a solution for your particular situation.

Instabill

Pricing 0.25% + $0.10 interchange-plus$0.10 (+ $99/month membership) - subscription,
qualified: 1.79% + $0.10(mid-qualified: 2.19% + $0.15) (non-qualified: 2.99% + $0.20) tiered 2.90% + $0.30 online 2.75% in-person flat-rate
Features high-risk merchant accounts,
international (overseas) merchant accounts and gateway,
low-risk merchant accounts,
credit card terminals,
mobile EMV POS,
ACH processing,
etc
Top Pros set up accounts even for the most high-risk businesses,
customer support center has educational material,
only use in-house sales staff to sell and set up its merchant
Top Cons no complaints filed with the BBB
Overall Rating 98%
Best For high-risk businesses

Instabill provides reliable, cost-effective merchant services that help e-commerce, retail and MOTO businesses succeed and thrive. In 2001, Founder and CEO Jason Field established the company to assist merchants in obtaining high risk and offshore credit card processing solutions. Today, Instabill is one of the industry’s leading high-risk merchant account providers worldwide.

PayKings

Pricing quote-based
Features e-Commerce,
retail & swipe terminals,
3D Secure level 2 & 3 processing,
recurring billing,
cash advance,
charge backs,
fraud prevention,
etc
Top Pros high-quality service,
mobile SDK solutions for eCommerce merchants,
customized eCommerce payment solutions,
low chargeback ratios,
tight anti-fraud measures
Top Cons no price information available on the website
Overall Rating 95%
Best For high-risk businesses

PayKings is a payment processing solutions provider for B2B, e-Commerce, and retail businesses that are categorized as high-risk merchants and entail a significant amount of risk, allowing them to facilitate and accept payments through various channels securely at low rates and fees. PayKings offers clients access to a network of more than 20 banks and PSP’s.