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High Risk Pricing

Stable processing for specialized industries.

High Risk pricing provides tailored payment processing for businesses in industries that traditional processors often decline — including nutraceuticals, CBD, firearms, adult entertainment, travel, and more. We pair competitive rates with specialized risk management tools.

How It Works

Our underwriting team evaluates your business individually, considering your industry, processing history, chargeback ratios, and volume. We then design a custom pricing structure with rates, reserves, and risk mitigation tools calibrated to your specific situation, giving you stable, uninterrupted payment acceptance.

Advantages

  • Acceptance where other processors decline your application
  • Industry-specific underwriting with deep expertise
  • Chargeback prevention and mitigation tools included
  • Secure, redundant payment gateway infrastructure
  • Dedicated risk management and support team
  • Scalable solutions as your business grows

Things to Consider

  • Rates are higher than standard merchant accounts
  • Rolling reserves may be required initially
  • Underwriting review is more thorough and may take longer

Best For

CBD & nutraceuticals

Online gaming & gambling

Travel & ticketing

Collections & legal services

Frequently Asked Questions

What makes a business 'high risk'?

Industries with higher chargeback rates, regulatory complexity, or reputational risk are classified as high risk by card networks. This includes CBD, travel, firearms, adult content, supplements, and subscription services, among others.

Will I need a rolling reserve?

Many high-risk accounts require a rolling reserve (a percentage held temporarily as security). The amount and duration depend on your processing history and industry. We work to minimize reserves as you build a track record.

Can I reduce my rates over time?

Yes. As you demonstrate low chargeback ratios and stable processing volume, we regularly review and reduce rates. Many merchants see meaningful decreases within 6–12 months.

Ready to Get Started?

Contact our team to learn how High Risk Pricing can work for your business. We will tailor a solution that fits your needs.