Underwriting built for your industry
We know what banks look for in high-risk businesses, so we prepare your application around it: the right documents, the right category code and an honest picture of your risk.
Reliable Payment Solutions for Every Industry.
Adaptiv Payments provides top-notch, reliable payment processing solutions for businesses in all industries. We have strong relationships with banks and a team that's always on hand to help merchants get approved. We offer competitive rates and long-term processing security that let you grow steadily.
Our purpose
At Adaptiv Payments, our goal is to build dependable, long-term payment solutions for businesses in every industry. We exist to take the hassle out of payment processing, reduce the uncertainty and give merchants the confidence to scale up without worrying about being shut down overnight.
We get that payment processing is more than just transactions - it's the lifeblood of a company's revenue flow. We focus on building solid banking relationships, good compliance structures, and customized processing strategies that support steady growth. Our mission is to make sure every merchant we work with has the right tools, guidance and protection to operate with confidence in a world where regulations are changing all the time.
Merchant account · New applicationApproved
- Application submittedDay 1
- Documents reviewedDay 2
- UnderwritingDay 3
- Approved · account set upDay 5
- Processing & monitoringOngoing
One contact
What we do differently
Straight answers before you sign
Pricing, reserves and contract terms are explained in writing up front. No surprises after approval.
We stay after approval
A dedicated account manager watches your chargeback ratios, flags problems early and helps you adjust as card network rules change.
Our vision
We see a payment processing landscape where businesses are judged on their potential - not their risk profile. Adaptiv Payments wants to be the trusted partner that everyone turns to for stability, compliance expertise and growth support in both standard and high-risk sectors.
As industries evolve and regulations shift, we aim to lead the way with a flexible attitude and a forward-thinking approach. Our vision is to create a processing environment where innovation and compliance work together in harmony - so merchants can expand globally, diversify their revenue streams and build brands that last without constantly worrying about account stability.
Who we work with40 industries in 6 groupsApproved
- Health & wellness7 industries
- Cannabis, vape & regulated retail8 industries
- Gaming & betting5 industries
- Financial services7 industries
- Travel, events & subscriptions7 industries
Plus software and B2B services
Who we work with
We approve businesses in 40 industries, from telehealth clinics to travel agencies and gaming operators. Each one has its own guide covering what we approve, the documents you'll need and the rules that apply.
Health & wellness
Telehealth, pharmacy, nutraceuticals, gyms and medical billing.
Cannabis, vape, tobacco & regulated retail
CBD, kratom, vape, alcohol and firearms.
Gaming & betting
Gambling, sports betting, fantasy sports and video gaming.
Financial services, travel & subscriptions
Credit repair, precious metals, travel, events and subscription businesses.
See all 40 industries or the payment solutions that come with every account.
How we work
Getting a high-risk merchant account is a process, and we walk you through every step. Here's what to have ready.
Business license & EIN
Plus articles of incorporation
Government-issued photo ID
For every owner with 25% or more
Bank statements
Your last three months
Processing statements
If you've taken cards before
Website
Pricing, terms and refund policy
Industry licenses
Where your industry requires them
How it works
- 1
Apply online
Tell us about your business and how you sell. It takes about a minute and it's free to apply.
- 2
Talk to a specialist
A payments specialist reviews your business and tells you exactly which documents you'll need.
- 3
Underwriting
We prepare your file and match you with a bank that approves your industry.
- 4
Set up your payments
We connect your website, store or terminal, with chargeback and fraud tools in place.
- 5
Grow with us
Most businesses are approved in 3-10 business days. We watch your ratios and raise your limits as you grow.
Our principles
Our work is guided by a set of principles that we think are pretty important. We believe in being open and honest, taking responsibility for our actions and being proactive about managing risk. Every merchant relationship we build is based on trust, performance and a long-term commitment to growth.
We put a premium on doing things responsibly, having open and honest conversations and making decisions based on facts rather than guesswork. By focusing on doing the right thing, being consistent and building long-term strategies, Adaptiv Payments delivers solutions that are designed to not just approve accounts - but to keep them safe and scalable for years to come.
How we run every accountOur principles, in practiceEvery merchant
- Pricing in writing before you signAlways
- Reserve terms explained up frontAlways
- Chargeback ratios watched monthlyAlways
- A dedicated account managerAlways
- Compliance guidance as rules changeAlways
Built to keep accounts open
About Adaptiv Payments
About Adaptiv6
What does Adaptiv Payments do?
We set up merchant accounts for businesses that banks and payment platforms consider high-risk, plus the gateway, chargeback, fraud and compliance tools that keep those accounts open.
What industries do you work with?
We approve businesses in 40 industries, including telehealth, CBD, travel, gaming, subscriptions and financial services. See every industry we work with.
How is Adaptiv different from Stripe, Square or PayPal?
Those platforms pool many businesses under one account and restrict many high-risk industries. We set up a merchant account in your own name, underwritten for your industry before you go live, with a dedicated account manager instead of a ticket queue.
Can you help if another processor shut me down?
Often, yes. Many merchants come to us after a processor closed their account. We look at why it happened and what's changed. We also work with merchants on the MATCH list.
How long does approval take?
Most businesses are approved in 3-10 business days, depending on the industry and how quickly documents come in.
Does it cost anything to apply?
No. It's free to apply, and we explain your pricing in writing before you sign anything.
Apply for your merchant account
Complete the form below to get started with your application. Our payment specialists will review your information and reach out to discuss personalized processing solutions.
Get Started Today
Trusted by high-risk merchants