High Risk Merchant Account Solutions That Actually Get Approved
Specialized payment processing for CBD, kratom, firearms, nutraceuticals, and other high-risk industries. Get approved in 24 hours with our industry-leading merchant account services.
Understanding High Risk Merchant Accounts
A high risk merchant account is a specialized payment processing solution designed for businesses operating in industries with elevated chargeback rates, regulatory complexities, or reputational concerns. At KeraPay, we specialize in providing reliable, secure merchant accounts for businesses that traditional payment processors often decline.
What Makes a Business High Risk?
Several factors can classify your business as high-risk in the payment processing industry:
- Operating in regulated industries like CBD, kratom, firearms, or pharmaceuticals
- High average transaction values exceeding $500
- International or cross-border transactions
- Subscription-based or recurring billing models
- Industries with historically high chargeback rates
- New businesses with limited credit history
- Adult entertainment, gambling, or dating services
Why Choose KeraPay for Your High Risk Merchant Account?
Unlike traditional payment processors that automatically decline high-risk businesses, KeraPay specializes in understanding and serving these industries. Our expertise means faster approvals, better rates, and dedicated support that understands your unique business needs.
Our High Risk Payment Processing Features
- Instant Approval Process: Get approved in as little as 24 hours, not weeks
- Chargeback Prevention: Advanced tools and alerts to prevent chargebacks before they happen
- Fraud Detection: AI-powered systems that protect your business while approving legitimate transactions
- Multiple Payment Options: Accept credit cards, ACH, e-checks, and alternative payments
- Global Processing: Accept payments from customers worldwide with multi-currency support
- Dedicated Support: 24/7 expert support from specialists who understand high-risk industries
Industries We Specialize In
Our high risk merchant account services cover a wide range of industries that other processors won't touch:
Regulated Industries
- CBD and hemp products
- Kratom vendors
- Firearms and ammunition
- Vape and e-cigarettes
- Pharmaceuticals and nutraceuticals
E-commerce & Services
- Travel and tourism
- Telehealth services
- MLM and network marketing
- International businesses
- High-ticket dropshipping
How to Get Started with Your High Risk Merchant Account
Getting approved for a high risk merchant account with KeraPay is simple and straightforward:
- Submit Your Application: Fill out our simple online form with basic business information
- Document Review: Our underwriting team reviews your application within 24 hours
- Get Approved: Receive your approval and merchant account details
- Start Processing: Begin accepting payments immediately with our easy integration
Transparent Pricing for High Risk Businesses
We believe in transparent, competitive pricing for high risk merchant accounts. Our rates start at just 2.9% + $0.30 per transaction, with no hidden fees or surprise charges. Every account includes:
- No setup fees or application fees
- No monthly minimums or cancellation fees
- Transparent interchange-plus pricing available
- Volume discounts for high-processing businesses
- Dedicated account management included
Advanced Security and Compliance
Security is paramount when processing high risk payments. KeraPay maintains the highest level of security and compliance standards:
- PCI DSS Level 1 certified - the highest level of security
- End-to-end encryption for all transactions
- Tokenization to protect sensitive card data
- 3D Secure authentication available
- Regular security audits and monitoring
- Compliance with industry-specific regulations
Apply for your high risk merchant account and get approved in 24 hours.
Complete Payment Solutions for High-Risk Businesses
Everything you need to accept payments, prevent fraud, and grow your high-risk business with confidence.
Industries We Specialize In
We understand the unique challenges of high-risk industries and provide tailored payment solutions for each sector.
Don't see your industry? We work with many other high-risk sectors.
Contact us to discuss your business →Frequently Asked Questions About High Risk Merchant Accounts
What is a high risk merchant account?
A high risk merchant account is a payment processing account for businesses in industries with higher chargeback rates, regulatory requirements, or reputational concerns. These accounts have specialized underwriting and risk management features.
How quickly can I get approved?
Most businesses get approved within 24 hours. Our streamlined application process and experienced underwriting team ensure fast decisions without compromising on security.
What are your rates for high risk processing?
Our rates start at 2.9% + $0.30 per transaction, depending on your industry, processing volume, and risk profile. We offer transparent pricing with no hidden fees.
Can I process international payments?
Yes, we support international payment processing with multi-currency capabilities. Accept payments from customers worldwide and settle in your preferred currency.
What documentation do I need to apply?
Basic requirements include business registration, bank statements, and identification. Specific industries may require additional licenses or compliance documentation.
Ready to Get Your High-Risk Merchant Account Approved?
Join thousands of high-risk businesses that trust KeraPay for their payment processing needs. Get approved in 24 hours with competitive rates and industry-leading support.
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