High Risk Merchant Account Credit Card Processing
For Any Business.
Adaptiv Payments empowers businesses to seamlessly handle high-risk credit card transactions. Our innovative solutions provide secure, reliable, and compliant payment options, even in the most demanding industries, ensuring your success and peace of mind.
- Highest Approval Rates
- Instant Approvals
- Funding Within 24-48 Hours
- Best Competitive Rates
- Fast Digital Application Process
Trusted by 10,000+ high risk merchant account business owners
High Risk Payment Processing for All High-Risk Industries
At Adaptiv Payments, we lead the way in the online payment processing industry with the largest and ever-expanding network of high-risk banks and processing partners. With over 20 years of unmatched experience in high-risk merchant account services, our expert team has forged robust relationships with both domestic and international banking partners. This positions us to provide a comprehensive and diverse range of online payment services tailored to meet your needs.
This extended network enables us to offer customized solutions that cater to the specific requirements of nearly any high-risk merchant.
Discover specialized payment solutions for over 20 high-risk industries
Comprehensive High-Risk Payment Solutions
Our high-risk payment processing solutions are designed to address the challenges that your high-risk business encounters daily. We provide secure, reliable, and fully compliant payment services that empower you to confidently handle online credit card payments.
Our suite of payment services includes merchant accounts, payment gateways, virtual terminals, and e-commerce integrations. Adaptiv is a comprehensive payment ecosystem that provides all you need to process your transactions quickly, with minimal risk and maximum approval rates.
High Approval Rates
Our extensive banking network ensures optimal approval rates for high-risk merchants.
Advanced Fraud Protection
Sophisticated risk management to protect your business from fraudulent transactions.
Global Processing
Accept payments in multiple currencies from customers worldwide.
High Risk Merchant Account
Specialized payment processing with advanced fraud detection and chargeback management.
High Risk Payment Gateway
Secure gateway with customizable risk management and multi-currency support.
Chargeback Prevention
Protect your revenue and merchant account with advanced dispute prevention tools.
Virtual Terminal
Process payments from any internet-connected device with enhanced security.
E-Commerce Integrations
Seamless integration with major e-commerce platforms for high-risk businesses.
Fraud Protection
Safeguard your high-risk business from high-risk fraud and protects revenue.
Need a custom payment solution?
Our payment experts can help design a solution for your unique business requirements.
High-Risk Merchant Services for your Industry
Our specialized payment solutions are designed to address the unique challenges faced by high-risk merchants, providing stability and growth opportunities for your business.
Fraud Prevention Tools
Our sophisticated fraud detection systems provide real-time monitoring and prevention, reducing chargebacks and protecting your revenue stream.
High-Risk Merchant Account Provider With High Approval Rates
Our extensive banking network ensures higher approval rates for high-risk merchants who are typically declined by traditional providers.
Global Processing for Higher Risk Merchants
Accept payments in multiple currencies from customers worldwide with our international merchant solutions and global banking relationships.
Multiple Payment Methods
Offer your customers flexibility with credit cards, debit cards, ACH payments, and alternative payment options all through one platform.
No obligation consultation with our payment experts
Trusted Payment Processing Partner
With over 20 years of specialized experience, Adaptiv Payments has rigorously evaluated numerous processing banks to identify optimal solutions tailored to each high-risk merchant category. Our extensive expertise enables us to offer unmatched, customized payment processing solutions with unmatched customer service uniquely suited to diverse business types within the high-risk industry.
10K+
Clients Approved
Over 10,000 high-risk merchants approved for payment processing solutions
Learn about our approval process$1B+
Processed Annually
More than $1 billion in transaction volume processed for merchants annually
Explore our payment solutions10+
Years of Experience
Over a decade of specialized experience in high-risk payment processing
About our companyWhat Our Customers Say
Thousands of high-risk businesses trust Adaptiv for reliable payment processing solutions. Here's what some of them have to say:
Adaptiv has been a game-changer for our business, offering seamless payment processing and top-notch customer support. Highly recommend!
We've been using Adaptiv for years, and their high-risk payment solutions have been reliable and secure. Truly the best in the industry!
Adaptiv made setting up our payment system so easy. Their team was incredibly helpful, and the rates are the best we've found.
As a small business owner, Adaptiv has simplified payment processing. Their service is fast, secure, and efficient—exactly what we needed!
Adaptiv is hands down the best payment processor we've worked with. The virtual terminal is easy to use, and we feel confident with their security.
Switching to Adaptiv was one of the best decisions we've made. The low processing rates and excellent customer support have made a huge difference!
Begin Accepting Payments in Three Easy Steps
Our streamlined application process gets your high-risk business approved and processing payments quickly and efficiently.
Apply Now
Get Approved
Start Processing
Frequently Asked Questions
Find answers to common questions about high-risk merchant accounts, payment processing, and our services. If you need additional information, please don't hesitate to reach out.
What Are High-Risk Products?
High-risk products refer to goods or services sold by merchants in industries classified as high-risk. Common examples of these industries include nutraceuticals, CBD products, magazine subscription services, debt consolidation services, multi-level marketing, travel, and others. Additionally, products or services with high price points, as well as those offered through subscription models or payment plans, may also be categorized as high-risk.
What is a High-Risk Merchant Account?
A high-risk merchant account offers businesses categorized as high-risk the ability to process credit and debit card transactions effectively. These accounts are for merchants who may encounter a greater likelihood of chargebacks or whose operations present elevated financial risks to banks and merchant account providers, ensuring they can thrive despite these challenges.
What Makes a Business High Risk?
Businesses are typically classified as high-risk due to their industry or operational practices. Even businesses outside traditional high-risk industries may be categorized as high-risk if they offer free trials, subscription billing, average transaction amounts exceeding $50, monthly sales volumes over $20,000, or have high chargeback ratios and poor credit histories. Obtaining a high-risk merchant account is generally the best solution for these businesses.
How Do I Apply for a High-Risk Merchant Account?
To apply for a high-risk merchant account with Adaptiv Payments, simply complete our online application form or contact our sales team directly. We'll need some basic information about your business, including processing history, monthly volume, and the type of products or services you offer. Our team will review your application and guide you through the approval process, helping you find the right payment solution for your specific business needs.
What fees are associated with high-risk merchant accounts?
High-risk merchant accounts typically include several types of fees: set-up fees, monthly or annual maintenance fees, per-transaction fees (usually a percentage plus a fixed amount), payment gateway fees, and possibly chargeback fees. At Adaptiv Payments, we strive to offer competitive and transparent pricing for high-risk merchants, with fee structures tailored to your specific business needs and processing volume.
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