Industries · Regulated & high-risk
Turned down, shut down, or told your industry is too risky? We look at the whole business, find a processor that takes your category, and show you the terms before you apply. No runaround.
Free rate analysis for high-risk businesses →New Business? Start Here
Or call 949-946-2442 or text us.
Processors sort businesses by industry, how they sell, and their history. Land with the wrong one and you can get approved, then hit with holds or a shutdown once sales pick up. The fix is the right placement from day one.
Selling mostly online or by phone gets a closer look than tapping cards at a counter.
Recent statements, chargeback levels, and any past account closures.
Clear refund, shipping, and cancellation policies, plus contact details customers can find.
We match you to a processor that takes your category, then set up the tools that fit how you sell.
Storefronts: smoke shops, firearms, CBD
Online stores
Online, in-store, and mobile
Cards and ACH together
Pricing for regulated and high-risk accounts depends on where the account is placed, so we don't post a rate. Send your statements, or tell us about the business if it's new, and we'll show you the options before anything is submitted.
You pay what the card networks charge, plus a fixed markup you can see on every statement. Your customers see one price.
A cash price and a card price on the ticket. Card customers cover the card cost. We only recommend it when signage and receipts can show both prices clearly.
Most high-risk problems start after approval, on an account that was never a good match.
Deposits paused for review right when sales start to grow.
A share of every deposit held back, with no clear end date.
An account closed with little notice, and no way to take cards the next day.
New fees and higher rates showing up months after you signed.
A call center that can't tell you what happened or when it'll be fixed.
A closed account makes the next application tougher.
The best protection is the right placement from the start.
Authorize.net, NMI, and Fluidpay for ecommerce and recurring payments. All three include a virtual terminal.
Memberships, payment plans, and card-on-file with clear schedules, so customers aren't surprised by a charge.
Rates, fees, and any reserve shown before you sign.
A decline from one processor isn't the end. We look for a placement that fits your business.
The processing agreement we set up is month-to-month, with no cancellation fee.
Day-to-day account questions come straight to us.
Every business gets its own review. These are the categories we see most.
Legal CBD and hemp products sold in stores or online. Underwriters will want to see your labels and lab reports.
Supplement brands, including subscriptions and trial offers, which processors watch closely for chargebacks.
Licensed dealers, ranges, and accessory shops that most mainstream processors won't take. Our setup works alongside DefenderPOS, a POS for firearms dealers.
Smoke shops, vape stores, and online tobacco sales, where age checks and state rules come up in underwriting.
Recurring billing with trials or automatic renewals, set up with clear terms so the charges hold up.
Travel agencies, tours, and event tickets, where the sale happens long before the service.
Businesses that take most payments over the phone or online, which gets more scrutiny than in-person sales.
Alcohol delivery services and distributors, where age checks and licensing are part of the review.
Pre-settlement funding, legal finance, and collection agencies that need a processor familiar with the category.
Legal gaming, sweepstakes, and skill-based games, reviewed against the rules in each state you operate in.
Higher chargeback levels or a past termination. Tell us what happened and we'll look for a path back.
Not listed? Call us. There are categories we can't support, and we'll tell you that up front.
Not every business qualifies. Approval depends on the processor's review.
Your account was closed by a payment app and funds were held.
Travel, events, or bookings with refunds far in the future.
A reserve on your current account that keeps getting bigger.
Meet or beat. Already set up somewhere else? Show us your statement. We'll match or beat it whenever we can, and if we can't, we'll tell you straight.
What you sell, how customers pay, your volume, and any history. No application yet.
One that takes your category and the way you sell.
Rates, fees, and any reserve, before anything is submitted.
With the statements and website details underwriters ask for, so it isn't held up.
If underwriting has questions, we help you answer them.
Day-to-day account questions come straight to us.
Have ready: your recent statements if you take cards now, a short description of what you sell and how customers pay, and your website.
Pairs well with: Payment gateways · Recurring billing · Virtual terminals · Dual pricing
Usually the industry, selling mostly online or by phone, a history of chargebacks, or regulated products. Each processor draws the line differently.
No. Approval depends on the processor's review. We tell you what to expect before you apply.
Sometimes. Tell us what happened and we'll look for a placement that fits. If we can't help, we'll say so.
Some high-risk accounts carry one, where part of each deposit is held for a set time. If yours would, we tell you before you sign.
It depends on the review and how complete the application is. Sending everything up front is the fastest way through.
It's one of the options we look at, as long as your signage and receipts can show both prices clearly.
Your recent statements if you take cards now, a short description of what you sell and how customers pay, and your website.
A clear refund policy, detailed receipts, and a billing name customers recognize all help cut down on disputes. We go over this with you before you apply.
Still have a question? Call 949-946-2442 or text us.
Free rate analysis for high-risk businesses →
Other industries: Auto repair & tire shops · Detailing & car washes · Grocery & markets · Law firms & legal · Leaving Square or Stripe · Liquor stores · Medical, dental & healthcare · Memberships & recurring · Professional services · Quick-service & kiosks · Restaurants & bars · Retail & specialty · Salons, barbers & med spas · Startups & new business · Trades & home services
Based in Orange County. We work with businesses by phone, text, and email, so there's no office visit needed.
Tell us about the business. We'll tell you straight what to expect before you apply.
Free rate analysis for high-risk businesses →New Business? Start Here
Terms up frontMonth-to-monthCall or text 949-946-2442
Attach your last 2 months of statements if you have them. If not, send your details and we'll follow up.
No statements needed. Tell us about the business and we'll recommend the POS and payment setup that fits, then follow up to go over it.