Adaptiv Payments offers quality high-risk payment processing tailored to businesses operating in industries with complex transaction profiles, business models, or regulatory standards. Our comprehensive business solutions offer all the transaction services your business needs to thrive:
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Businesses with a high-risk classification need more than the standard payment-processing support, as they may have higher regulatory scrutiny and complex transaction types. They may be declined for standard merchant accounts or other banking services due to the elevated risk, or be subject to much higher processing fees than low-risk merchants.
Adaptiv Payments leads the way in high-risk industry expertise through a broad range of tools meant to reduce transaction risk, reduce fraud, and ensure you can provide excellent customer service.
Our high-risk accounts can be used alongside our payment gateways, e-commerce integrations, and virtual terminals to streamline your business operations through one provider. Enhanced fraud protection and chargeback support strengthen your relationship with acquiring banks while protecting your bottom line.
Through our extensive network of domestic and international banking partners, we can help you settle international transactions faster while expanding your operations.
Full support for your travel business.
Full support for Telehealth.
Hemp, CBD, Delta 8 businesses.
Solutions for your Kratom business.
Nutraceuticals business payments.
Full support for your MLM business.
Subscription business solutions.
Ecommerce Merchant Account.
Marketing, SEO & SEM businesses.
Firearms business payments.
Discover specialized payment solutions for over 20 high-risk industries
Discover specialized payment solutions for over 20 high-risk industries
Our high-risk payment processing solutions are customized for each client based on their business model. We'll review your industry, risk profile, and transaction types to better understand your processing requirements, then review our partner capabilities to determine what services will best fit your needs. Approval depends on the underwriting outcome, but we will explain each requirement along the way.
Every business has a different model and transaction profile, meaning one-size-fits-all processors may reduce efficiency. Adaptiv Payments has built partnerships with banking, acquiring, and processing providers so that we can more effectively route applications to the right payment partner.
Our fraud protection tools help you manage risk using multiple, adaptable tools, such as Card Verification Value (CVV), 3D Secure technology, Address Verification systems, and other security measures, depending on the specific transactional risk.
Adaptiv Payments has worked to reduce common cross-border processing issues, like longer settlement periods and increased fees for international transactions, through strong relationships with a range of providers across dozens of countries. Through this international payment support, merchants can accept transactions in multiple currencies, all from the same account.
Specialized payment processing options are available for merchants in high-risk categories who may be rejected for standard bank accounts. We can also help those with limited credit history get started with credit card payments.
A secure gateway with customizable risk-control capabilities lets you accept online credit card and debit card payments without relying on workarounds that increase reputational risk. We also provide integrations with a range of e-commerce platforms, along with payment routing to avoid higher payment processing fees.
Protect your revenue and merchant account from excessive chargebacks using real-time chargeback alerts. Our risk-management tools include dispute support, helping you catch issues before they are reported to the credit card company. This reduces your chargeback ratio and safeguards your banking relationships.
Process payments from any internet-connected device with virtual terminals. You can accept credit card or debit card payments via manual or remote terminals, enhancing the customer experience.
Seamless integration with major e-commerce options can expand your online stores without requiring multiple checkout systems. We support major providers like WooCommerce, Shopify, Wix, and more.
Safeguard your high-risk business with strong fraud protection. Our dashboard lets you monitor transactions in real time to identify suspicious activity before it escalates. Customizable payment-risk controls let you set challenges for certain risk thresholds, reducing checkout friction.
Our payment experts can help design a solution for your unique business requirements.
Standard processing solutions often don't provide the customizability and control high-risk merchants need to maximize growth. They often come with higher fees and strict contract terms meant to mitigate the processor's risk rather than support the business. Our specialized payment solutions address these problems through four key advantages.
Sophisticated fraud detection tools identify suspicious transactions before they clear while offering customized step-up challenges based on certain parameters. This manages payment risk without adding unnecessary friction for low-risk transactions.
We have an extensive network of banking, acquiring, and processing partners across the globe. This means we can offer a range of secure processing options for clients in a range of industries that may be denied by other providers.
Our global processing lets clients accept a range of currencies, payment methods, and transaction channels. Processing capabilities and available services depend on the selected setup and specific industry, as we can discuss during a consultation.
High-risk merchants can accept credit cards, debit cards, ACH payments, and alternative payment options depending on their specific setup. This offers your customers the flexibility to pay their way, improving customer relationships.
No obligation consultation with our payment experts
Our dedicated account managers are highly experienced with a range of industries, including their regulatory guidelines and business models. This processing expertise, along with our strong partner relationships, means we can provide personalized customer support, not generic answers that don't match your needs.
Clients Approved
Over 10,000 high-risk merchants approved for payment processing solutions
Learn about our approval processProcessed Annually
More than $1 billion in transaction volume processed for merchants annually
Explore our payment solutionsYears of Experience
Over a decade of specialized experience in high-risk payment processing
About our companyThousands 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! ”
We consider each client on a case-by-case basis, considering your specific industry and processing requirements. This ensures your account is tailored to what will best serve your business and protect your banking relationships.
Share basic information about your business, industry, current payment setup, and processing requirements so that we can identify what services you need.
Start ApplicationAfter reviewing your application and payment needs, we'll discuss what payment solutions will best match your workflow, such as international processing or virtual terminals.
Learn About ApprovalWe'll help you configure and activate your merchant account, payment gateways, ecommerce integrations, and processing. 24/7 technical support is available for any questions.
Explore Payment SolutionsFind answers to common questions about high-risk payment processing, the solutions Adaptiv offers, and how businesses can get started.
Talk to a real payments specialist — we scope accounts for the verticals generic processors won't touch.
contact@adaptivpayments.com(727) 339-2936Your information is encrypted & never shared.
