High Risk Merchant Account Credit Card Processing
For Any Business.

Adaptiv Payments empowers businesses to navigate credit card payments seamlessly, delivering innovative solutions that ensure secure, reliable, and compliant transactions in even the most challenging industries.

  • 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

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The Visa company logo.The Mastercard company logo.The Discover company logo.The American Express company logo.The Citi Bank company logo.The JCB company logo.
The Visa company logo.The Mastercard company logo.The Discover company logo.The American Express company logo.The Citi Bank company logo.The JCB company logo.
The Visa company logo.The Mastercard company logo.The Discover company logo.The American Express company logo.The Citi Bank company logo.The JCB company logo.
The Visa company logo.The Mastercard company logo.The Discover company logo.The American Express company logo.The Citi Bank company logo.The JCB company logo.
Industry Solutions

Tailored Solutions for All High-Risk Merchant Industries

We offer the industry's largest and continually expanding network of high risk banks. With over 20 years of experience in high-risk merchant account services, our expert team has developed and nurtured strong relationships with domestic and international banking partners.

This extensive network allows us to provide diverse, customized solutions to meet the unique needs of virtually any high-risk merchant.

Discover specialized payment solutions for over 20 high-risk industries

Payment Processing

Comprehensive High-Risk Payment Solutions

Our high risk payment processing solutions are designed to address the challenges of businesses in high risk industries. We offer secure, reliable and compliant payment services that enable you to transact without a hitch.

Our suite of payment services includes merchant accounts, payment gateways, virtual terminals, and e-commerce integrations. Our payment ecosystem is a comprehensive payment ecosystem that provides all you need to process your transactions quickly, with minimal risk and maximum approval rates.

visa accepted
mastercard accepted
amex accepted
discover accepted
jcb accepted
Supporting all major payment methods

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.

Need a custom payment solution?

Our payment experts can help design a tailored solution for your unique business requirements.

Contact our sales team
Benefits

Tailored for High-Risk Merchants

Our specialized payment solutions are designed to address the unique challenges faced by high-risk merchants, providing stability and growth opportunities for your business.

Advanced Fraud Prevention

Our sophisticated fraud detection systems provide real-time monitoring and prevention, reducing chargebacks and protecting your revenue stream.

High Approval Rates

Our extensive banking network ensures higher approval rates for high-risk merchants who are typically declined by traditional providers.

Global Processing

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.

Competitive Rates

Enjoy industry-competitive rates specifically designed for high-risk merchants, with transparent pricing and no hidden fees.

Fast Account Setup

Get your high-risk merchant account set up quickly with our streamlined application process and dedicated onboarding specialists.

Get Started Today

No obligation consultation with our payment experts

Our Impact

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 uniquely suited to diverse business types within the high-risk industry.

Clients Approved

Over 10,000 high-risk merchants approved for payment processing solutions

Learn about our approval process

Processed Annually

More than $1 billion in transaction volume processed for merchants annually

Explore our payment solutions

Years of Experience

Over a decade of specialized experience in high-risk payment processing

About our company
Talk to a Payment Expert
Testimonials

What Our Customers Say

Thousands of high-risk businesses trust Adaptiv for reliable payment processing solutions. Here's what some of them have to say:

Veronica Miller, a happy adaptiv high risk payments customer.
Adaptiv has been a game-changer for our business, offering seamless payment processing and top-notch customer support. Highly recommend!
E-commerce Business
Emily Johnson, a happy adaptiv high risk payments customer.
We've been using Adaptiv for years, and their high-risk payment solutions have been reliable and secure. Truly the best in the industry!
Travel Business
Michael Davis, a happy adaptiv high risk payments customer.
Adaptiv made setting up our payment system so easy. Their team was incredibly helpful, and the rates are the best we've found.
Nutraceuticals Business
Veronica Miller, a happy adaptiv high risk payments customer.
Adaptiv has been a game-changer for our business, offering seamless payment processing and top-notch customer support. Highly recommend!
E-commerce Business
Emily Johnson, a happy adaptiv high risk payments customer.
We've been using Adaptiv for years, and their high-risk payment solutions have been reliable and secure. Truly the best in the industry!
Travel Business
Michael Davis, a happy adaptiv high risk payments customer.
Adaptiv made setting up our payment system so easy. Their team was incredibly helpful, and the rates are the best we've found.
Nutraceuticals Business
Veronica Miller, a happy adaptiv high risk payments customer.
Adaptiv has been a game-changer for our business, offering seamless payment processing and top-notch customer support. Highly recommend!
E-commerce Business
Emily Johnson, a happy adaptiv high risk payments customer.
We've been using Adaptiv for years, and their high-risk payment solutions have been reliable and secure. Truly the best in the industry!
Travel Business
Michael Davis, a happy adaptiv high risk payments customer.
Adaptiv made setting up our payment system so easy. Their team was incredibly helpful, and the rates are the best we've found.
Nutraceuticals Business
Veronica Miller, a happy adaptiv high risk payments customer.
Adaptiv has been a game-changer for our business, offering seamless payment processing and top-notch customer support. Highly recommend!
E-commerce Business
Emily Johnson, a happy adaptiv high risk payments customer.
We've been using Adaptiv for years, and their high-risk payment solutions have been reliable and secure. Truly the best in the industry!
Travel Business
Michael Davis, a happy adaptiv high risk payments customer.
Adaptiv made setting up our payment system so easy. Their team was incredibly helpful, and the rates are the best we've found.
Nutraceuticals Business
Sarah Thompson, a happy adaptiv high risk payments customer.
As a small business owner, Adaptiv has simplified payment processing. Their service is fast, secure, and efficient—exactly what we needed!
Professional Services Business
David Wilson, a happy adaptiv high risk payments customer.
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.
SaaS Business
Chan Clark, a happy adaptiv high risk payments customer.
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!
CBD Business
Sarah Thompson, a happy adaptiv high risk payments customer.
As a small business owner, Adaptiv has simplified payment processing. Their service is fast, secure, and efficient—exactly what we needed!
Professional Services Business
David Wilson, a happy adaptiv high risk payments customer.
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.
SaaS Business
Chan Clark, a happy adaptiv high risk payments customer.
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!
CBD Business
Sarah Thompson, a happy adaptiv high risk payments customer.
As a small business owner, Adaptiv has simplified payment processing. Their service is fast, secure, and efficient—exactly what we needed!
Professional Services Business
David Wilson, a happy adaptiv high risk payments customer.
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.
SaaS Business
Chan Clark, a happy adaptiv high risk payments customer.
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!
CBD Business
Sarah Thompson, a happy adaptiv high risk payments customer.
As a small business owner, Adaptiv has simplified payment processing. Their service is fast, secure, and efficient—exactly what we needed!
Professional Services Business
David Wilson, a happy adaptiv high risk payments customer.
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.
SaaS Business
Chan Clark, a happy adaptiv high risk payments customer.
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!
CBD Business
Discuss Your Payment Needs
Simple Process

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

Complete our simple application form with your business details. The process takes less than 5 minutes to complete.

Get Approved

Our team reviews your application and matches you with the optimal payment solution for your business needs.

Start Processing

Begin accepting payments quickly with our seamless integration and 24/7 technical support.
Get Started Now
Premium Services

Industry-Leading Merchant Services

Adaptiv Payments provides comprehensive services designed specifically for high-risk merchants to succeed in today's competitive marketplace.

Advanced risk management dashboard for high-risk merchant accounts

Risk Management Tools for High-Risk Merchant Account

Our comprehensive suite of risk management tools helps high-risk merchants minimize chargebacks, prevent fraud, and maintain secure payment processing operations.

  • Advanced Fraud Detection

    Real-time monitoring with AI-powered fraud detection to identify suspicious transactions before they process.

  • Chargeback Prevention

    Proactive alerts and automated tools to reduce chargebacks and protect your merchant account status.

  • Transaction Monitoring

    Continuous monitoring of all payment activities with detailed reporting and analytics.

  • Custom Risk Parameters

    Tailored risk thresholds and security settings based on your specific industry and business needs.

  • Secure Payment Gateway

    PCI-compliant payment processing with end-to-end encryption for maximum security.

Adaptiv Payments customer support team helping merchant clients

Unmatched Customer Support

Our dedicated support team provides personalized assistance to ensure your payment processing runs smoothly 24/7/365, with industry-leading response times and expert guidance.

  • 24/7 Dedicated Support

    Round-the-clock assistance from payment experts who understand high-risk industries.

  • Personalized Account Manager

    A dedicated representative who knows your business and provides tailored support.

  • Rapid Response Time

    Industry-leading response times with most inquiries addressed within 4 hours.

  • Technical Integration Support

    Expert help with payment gateway integration, API implementation, and technical troubleshooting.

  • Ongoing Merchant Training

    Regular training sessions and resources to help you maximize your payment processing capabilities.

Ready to Enhance Your Payment Processing?

Get started with Adaptiv Payments today and experience our industry-leading risk management tools and unmatched customer support for your high-risk business.

Apply NowTalk to Sales
FAQ

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.

contact@adaptivpayments.com

What Are High Risk Products?

High risk products are goods or services sold by merchants operating within industries classified as high risk. Common examples of high risk industries include nutraceuticals, CBD products, magazine subscription services, debt consolidation, multi-level marketing, travel, and more. Additionally, products and services with high price points or 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 enables businesses labeled as high risk to process credit card and debit card transactions. These accounts are specifically designed for merchants with a higher likelihood of chargebacks or whose business practices pose increased risks of financial losses to banks and merchant account providers.

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.

What Are High Risk Businesses?

High risk businesses are those unable to secure standard merchant accounts from conventional banks and payment processors. Factors such as involvement in high risk industries, offering free trials or subscription-based services, or experiencing high chargeback rates can classify a business as high risk. These businesses often face challenges in securing banking services, including loans, merchant processing services, and insurance.

What is Considered a High Risk Merchant?

A high risk merchant is defined as a business meeting one or more of these criteria: Poor personal or business credit history of the owner or guarantor, High chargeback ratios, History of previously closed merchant accounts by providers, Selling products or services within high risk industries, Utilizing payment structures that pose financial risks to banks and providers, Processing transactions with large dollar amounts or maintaining high monthly transaction volumes.

What are High Risk Merchant Accounts?

High risk merchant accounts are specialized payment processing accounts provided to merchants identified as high risk by traditional banking institutions and payment processors. These accounts allow businesses operating in high-risk industries or with higher-than-average chargeback rates to accept credit card payments. While they typically come with higher fees and more stringent terms, they provide essential payment processing capabilities for businesses that would otherwise be unable to accept card payments.

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.

Get a high risk merchant account today.

contact@adaptivpayments.com
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Discover expert resources and industry insights about high-risk merchant accounts, payment processing solutions, and the latest trends in fintech.

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