99% Approval Rate
Our extensive network of banking partners and financial institutions allows us to approve nearly all merchants, even those previously rejected by any other merchant services provider.
High-Risk Merchant Account Solutions.
Get reliable payment processing for your high-risk business with our 99% approval rates, competitive pricing, and personalized support, even if other providers have rejected you.
We specialize in helping businesses that offer high-risk products or services, including adult entertainment, CBD, gaming, subscription services, and many more challenging industries.
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What Is a High Risk Merchant Account?
Understanding how payment processing works for businesses selling higher-risk products or services
A high risk merchant account is a specialized payment processing solution designed specifically for businesses that sell products or services in industries like adult entertainment, CBD, gaming, travel, or subscription-based and free trial models. These accounts allow you to accept credit cards and process electronic payments even when traditional credit card processors would typically reject your business. They offer a range of features and pricing options to meet the unique needs of high-risk merchants, regardless of your financial history, MATCH list status, or other risk factors.
Your business might be considered high risk due to several factors: the industry you operate in (adult entertainment, CBD, Travel, etc.), your business model, previous processing history, excessive chargebacks, financial stability concerns, or simply because you sell products or services that carry more regulatory scrutiny. High risk merchant accounts are tailored to address these unique challenges, though they typically come with different terms and pricing structures to offset the increased risk to payment processors.
How High Risk Merchant Accounts Work
- Tailored underwriting process specifically for businesses selling adult entertainment, CBD, or other high-risk products or services
- Transactions processed through secure payment gateways
- Funds transferred to merchant bank account within 24-48 hours
- Enhanced fraud protection and security measures
Why You Might Need a High Risk Merchant Account
- Your business sells products or services in a high-risk industry (adult entertainment, CBD, gaming, travel, etc.)
- Your business has higher chargeback rates than normal
- You process subscriptions, free trials, card-not-present transactions, or recurring payments
- You process international sales or cross border transactions
Advanced Chargeback Protection for High Risk Credit Card Processing & Payment Gateways
As a high-risk business you need chargeback protection.
Protect your high risk payment gateway and merchant account from chargebacks before they happen. Whether you process products or services like adult entertainment, subscription billing for high-risk industries, CBD, or gaming, our advanced chargeback protection uses real-time monitoring, automated alerts, and dispute management tools to keep your chargeback ratios below 1%. Integrated with your payment gateway, our analytics identify patterns and root causes so you can address issues quickly and keep your high risk business running smoothly.
Benefits of Our High Risk Merchant Account Solutions
See why businesses that sell high-risk products or services like adult entertainment, CBD, gaming, dating services, and international sales choose Adaptiv as their trusted payment processing partner.
Competitive Rates
We provide industry-leading rates for high-risk merchants which enables you to achieve maximum profitability while keeping payment processing expenses as low as possible.
Fast Approvals
Get your high risk merchant account approved instantly or within 24-48 hours, allowing you to start processing payments quickly and efficiently.
Transparent Reporting
Access comprehensive reporting tools to track your transactions, monitor chargebacks, and analyze your business performance.
Advanced Fraud Protection
Our cutting-edge fraud prevention tools help minimize chargebacks and protect your high-risk business from fraudulent transactions.
24/7 Support
Our dedicated support team is available around the clock to help with any questions or issues you may encounter with your high risk merchant account.
Multiple Banking Relationships for High-Risk Payment Gateways & Merchant Accounts
Our bank relationships keep you processing worry free.
Ensure uninterrupted payment processing for your high risk payment gateway and merchant account across diverse industries. Our multi-bank strategy connects you to over 20 domestic and international banking partners and financial institutions, providing redundancy for products or services like adult entertainment, subscription billing for high-risk industries, CBD, and gaming. Avoid sudden terminations, regulation changes, or policy shifts, and maintain cash flow continuity for your high risk business. Choose Adaptiv as your High-Risk Merchant Account Provider to erase potential losses and sleep well knowing we've got you covered.
Comprehensive High-Risk Merchant Services
We offer tailored payment processing options specifically for businesses selling high-risk products or services such as adult entertainment, subscription billing, CBD, and other challenging industries.
High-Risk Payment Gateway
- Secure transaction processing
- Multi-currency support
- Recurring billing capabilities
- Advanced fraud detection
- Easy integration with your platform
Virtual Terminal
- Process MOTO transactions
- User-friendly interface
- Customer database management
- Detailed transaction reporting
- Secure payment information storage
Ecommerce Integration
- Integrate with Shopify, WooCommerce, BigCommerce
- Easy setup and configuration
- Streamlined payment flow
- Extensive reporting capabilities
- Seamless User Experience
High-Risk Industries We Support With Merchant Accounts
We offer specialized merchant accounts for businesses selling products or services in challenging industries like adult entertainment, CBD products, gaming, travel, precious metals, legal services, and many more that traditional processors often reject.
Simple High Risk Merchant Account Application Process
Getting your high risk merchant account is straightforward with our simple three-step process, designed for businesses selling products or services in adult entertainment, CBD, subscription services, gaming, and other high-risk industries.
Apply Online
Complete our simple online application form with your business details. It takes less than 5 minutes to apply for a high risk merchant account.
Quick Approval
The underwriting team assesses your high risk merchant account application and makes an approval decision within 24-48 hours.
Start Processing
After approval we will set up your high risk payment gateway and you can instantly start accepting credit and debit card payments for your business.
High-Risk vs. Low-Risk Merchant Account Providers
Understanding the key differences between high-risk payment processors and what they mean for your business.
Whether you process products or services like adult entertainment and adult products, subscription billing, CBD, or gaming, understanding high-risk vs. low-risk accounts ensures you choose the right solution for long-term success.
Testimonials
What Our Customers Say
Discover why high-risk businesses trust Adaptiv for their payment processing needs
“Our CBD business received approval from Adaptiv within 48 hours after three payment processors rejected us. Their rates are competitive, and their customer service is outstanding.”
“We've never been able to process payments but the setup process with Adaptiv turned out to be surprisingly easy. They have great reps (paul was very helpful) that guided us through every step, and we were processing payments within days.”
“Our online gaming business never had dependable payment processing companies until we found Adaptiv. They demonstrated expertise in our sector and got us up and running fast, poor credit score wasn't an issue.”
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FAQ
High Risk Merchant Account: Frequently Asked Questions
Find answers to common questions about getting a merchant account for businesses selling high-risk products or services such as adult entertainment, CBD, subscription services, and other challenging industries.
A business may be in the high-risk category or labeled high-risk due to various factors, including type of business (such as CBD, travel, ecommerce), high chargeback rates, risk of fraud, large customer base, subscription-based billing models, international transactions, high average transaction amounts, or lack of processing history. These factors increase the financial risk for payment processors and traditional banks.
Ready to Get Started with Your High Risk Merchant Account?
Apply today and join thousands of businesses selling products or services in adult entertainment, CBD, gaming, and other high-risk industries who trust Adaptiv for their payment processing needs.
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