Secure Your High-Risk Merchant Account

Turned down by other merchant account providers? Access payment services designed exclusively for high-risk

industries, ensuring your business has the payment freedom to thrive!.

  • Secure Payment Processing
  • Advanced Payment Solutions
  • Chargeback and Fraud Protection
  • Fast Approval
  • Seamless Integrations
  • Dedicated Expert Support
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Your High-Risk Business Is Welcome Here

Worn down jumping through hoops to secure a merchant payment account for your high-risk business? PaymentCloud understands what a high-risk merchant account is. From compliance matters to frozen funds and chargebacks, we provide real solutions to the payment challenges high-risk merchants face. Here’s what sets us apart from traditional payment providers:

  • Over a 98% approval rate with multiple acquiring bank options
  • Fast approvals to get you up and running without delays
  • Competitive, low rates with no setup fees
  • A simplified application process to save you time
  • Fraud prevention & chargeback management to keep your account in good standing
  • White-glove customer service from real people who understand high-risk

Explore New Opportunities with High-Risk Processing

Discover what’s possible when your payments actually work for you.

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High-Risk Industries We Serve

We’re experts at partnering with hard-to-place industries to process high-risk transactions. Check out the types of businesses we serve:

Get Set Up in 3 Easy Steps

Getting a high-risk merchant account with PaymentCloud is a quick and simple process. It begins with a simple online application, and you’ll be matched with a dedicated specialist who understands the unique challenges of your industry to ensure everything is in order. After approval, you’ll be ready to start accepting payments with a secure, reliable solution tailored to your business needs.

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Step 1: Online Application

Complete a digital application on our website and either get auto-approved or connected with a dedicated account manager.

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Step 2: Advisory & Underwriting

Your dedicated account manager will give you the perfect solution for your business and guide you through the underwriting process.

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Step 3: Approval & Onboarding

Once approved, our team will walk you through setup and confirm you run your first transaction.

Specialized Solutions for High-Risk Businesses

Our solutions aren’t one-size-fits-all. These are just a few of the specialized features we offer for high-risk businesses:

High-Risk Retail Credit Card Processing

Struggling with high fees and chargebacks? PaymentCloud’s high-risk retail credit card processing solutions offer competitive rates and advanced fraud protection. Accept payments confidently and keep your business moving forward.

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Accept major credit cards

Easily accept all major credit cards, including Visa, Mastercard, American Express, and Discover, to give your customers payment flexibility and boost sales.

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EMV-enabled & PCI-compliant transactions

Ensure every transaction is secure with EMV chip technology and full PCI compliance, protecting your business from fraud and maintaining customer trust.

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Advanced hardware & POS systems

Equip your retail space with cutting-edge hardware and intuitive POS systems designed for speed, accuracy, and seamless integrations.


High-Risk Online Payment Processing

When you partner with PaymentCloud, you’ll avoid payment delays, high chargeback rates, and approval issues. Our solutions offer reliable approvals, secure gateways, and chargeback mitigation tools. Accept payments smoothly and scale with confidence.

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Secure, flexible payment gateways

Protect every transaction with PCI-compliant gateways that connect seamlessly to your existing systems.

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Customizable shopping carts

Tailor your shopping cart to match your brand and customer experience. Features enhance usability, reduce cart abandonment, and increase conversions.

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100+ easy integration options

From CRMs to accounting software, our integrations connect seamlessly with your business tools to save time and reduce manual work.


High-Risk Card-Not-Present Payment Processing

High decline rates and fraud risk can make it difficult to accept payments by phone or mail. PaymentCloud offers secure, reliable invoice and keyed transaction support to help you get paid safely and without disruption.

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Auto Recurring Billing

Automated recurring billing simplifies subscription or installment payments, reducing missed payments, improving cash flow, and saving time on manual follow-ups.

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Custom invoicing & receipts

Create professional, branded invoices and receipts, helping you streamline customer communication and maintain a polished, consistent image.

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Account Updater

Keep customer payment info current with automatic updates for expired or changed cards, reducing declines and ensuring uninterrupted billing cycles.

Chargeback Dispute & Fraud Prevention Services

PaymentCloud’s custom payment gateways protect against fraud and chargeback risks. Our comprehensive security suite includes advanced fraud detection, chargeback monitoring, and specialized protection tools for high-risk businesses. Your dedicated account manager is available to provide guidance and prevent unauthorized transactions.

As high-risk specialists, we know that some businesses face higher chargeback rates due to factors beyond their control. We work tirelessly to keep your account active, even if you exceed industry-standard chargeback ratios.

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Seamless Integrations for Businesses of All Sizes

Whether you’re just getting started or scaling fast, PaymentCloud connects with the tools you already use. From shopping carts to CRMs and everything in between, our integrations keep setup simple and payments running smoothly.

  • Payment Gateways
  • Virtual Terminals
  • Shopping Carts
  • Website Builders
  • Inventory Software
  • Accounting Software

Empower Your Business with High-Risk Payment Processing

We make it easier to accept payments—even when others say no.

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High-Risk Merchant Account FAQs

Do I qualify for a high-risk merchant account?

Whether your business qualifies for a high-risk merchant account depends on numerous factors, including revenue, processing history, risk profile, and more. We will review your business details to determine eligibility. Apply online and receive personalized guidance from our team within 24 hours.

How much does a high-risk merchant account cost?

The cost of a high-risk merchant account varies depending on the type of transactions you process and your business’s risk profile. At PaymentCloud, we offer competitive pricing to all our clients. While many merchants benefit from a tier pricing model, businesses with extensive processing history can access Interchange Plus pricing.

Is high-risk payment processing safe?

Yes, high-risk payment processing is safe. While there’s no way to eliminate all payment processing risk, partnering with a high-risk merchant account provider ensures your business has the tools and resources to shield itself from fraud and chargebacks. Combined with strong internal controls, these protections minimize transaction risk and protect your bottom line.

What documentation is required for a high-risk merchant account application?

While our application process is hassle-free, we require detailed information about your business to determine your eligibility for a high-risk merchant account. Prepare the following documentation before you apply:

  • Government-issued photo identification
  • Signed merchant application
  • Voided check or bank letter
  • Three months of bank statements
  • Three months of processing statements
  • Details on your business and its services/products

Can I open a high-risk merchant account with bad credit?

Every merchant account application goes through underwriting to evaluate both the business and its owners. We can’t guarantee approval for applicants with credit challenges, but bad credit doesn’t automatically disqualify you from obtaining a high-risk merchant account. Submit your application online, and our team will contact you within 24 hours to discuss your eligibility.

What Our High-Risk Merchants Think

With a proud average of 4.8 stars across all review sites, PaymentCloud excels in solutions and support. But don’t take our word for it! Here’s what our merchants have to say:

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