Name | Description | Pricing | Features | Top Pros | Top Cons | Best For |
---|---|---|---|---|---|---|
Maverick BankCard |
Maverick BankCard is an all-in-one payment processing provider, with a complete lineup of easy, efficient and secure mer 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 proce read more |
obstructive and confusing fraud prevention policies | high-risk businesses |
eMerchant Broker |
eMerchantBroker is a merchant account provider that is one of the top payment processors for high risk e-commerce busine 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 sup read more |
high fees use many different processors |
high-risk businesses |
Payment Cloud |
PaymentCloud is a merchant account provider that specializes in credit card processing solutions for high-risk business 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, read more |
no publicly disclosed pricing, website needs improvement |
e-Commerce, mail order/telephone order, and other generally high-risk businesses |
2Checkout |
2Checkout (2Checkout.com & 2CO.com) is an electronic payment service (merchant account alternative) founded in 2000 that 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 protect read more |
predictable flat-rate pricing, month-to-month agreement, no setup or Application fees, no monthly fee, ideal for int 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 |
Soar Payments LLC launched in 2015 intending to provide industry-leading solutions in the high-risk merchant account spa read more |
high-risk gateway: $15/month + $0.25 per transaction, chargebacks: $45, ACH debit: 2.50% and $15/month, no Applicatio read more |
merchant accounts, high-risk payment gateway, low-risk payment gateway, eCommerce Integrations, chargeback managemen read more |
ideal for high-risk merchants, automated custom price quoting, automated Application process, fast underwriting, no read more |
only works with US-based businesses, does not do CBD oil accounts |
high-risk businesses |
Host Merchant Services |
Host Merchant Services is a Newark, Delaware-based merchant account provider that serves a variety of business types. Ho 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 p read more |
transparent cost-plus pricing, month-to-month agreement, no setup or Application fees, no monthly minimums, spotless read more |
expensive for low-volume merchants | high-risk businesses, service and retail businesses |
SMB Global |
SMB Global is a merchant account provider headquartered in South Jordan, Utah. SMB Global is set up to work exclusively read more |
quote-based | high-risk merchant accounts, offshore merchant accounts, payment gateway, online shopping cart integration, ACH paym read more |
offers high-risk merchant accounts to a wide variety of industries, offers offshore merchant accounts, reasonable pric read more |
no mobile App, website lacks detailed account information |
high-risk businesses |
Easy Pay Direct |
Easy Pay Direct (easypaydirect.com) is a merchant account provider headquartered in Austin, Texas. The company primarily read more |
$29.99 monthly account fee 95% + $0.25 per transaction (lower rates available for high-volume businesses), EPD gateway read more |
merchant accounts, high-risk specialization, payment gateway, credit card terminals, POS systems, mobile payments, read more |
accepts a wide variety of high-risk industries, load balancing feature for high-risk merchants, no equipment leases, read more |
$99 account setup fee, three-year contract with automatic renewal clause |
high-risk businesses, CBD & HEMP, enterprises, online gateway |
HRMA |
HRMA-LLC specializes in the best high-risk merchant accounts and credit card processing. They can approve practically ev 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 |
Instabill provides reliable, cost-effective merchant services that help e-commerce, retail and MOTO businesses succeed a read more |
0.25% + $0.10 interchange-plus$0.10 (+ $99/month membership) - subscription, qualified: 1.79% + $0.10(mid-qualified: 2.1 read more |
high-risk merchant accounts, international (overseas) merchant accounts and gateway, low-risk merchant accounts, cred read more |
set up accounts even for the most high-risk businesses, customer support center has educational material, only use in- read more |
no complaints filed with the BBB | high-risk businesses |
PayKings |
PayKings is a payment processing solutions provider for B2B, e-Commerce, and retail businesses that are categorized as h read more |
quote-based | e-Commerce, retail & swipe terminals, 3D Secure level 2 & 3 processing, recurring billing, cash advance, charge bac read more |
high-quality service, mobile SDK solutions for eCommerce merchants, customized eCommerce payment solutions, low charg read more |
no price information available on the website | high-risk businesses |
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.
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.
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.
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.
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.
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.
Pricing | quote-based |
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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.
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 |
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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.
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.
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 |
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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.
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.