Secure Payment Processing for High-Risk Merchants
Kosipay provides reliable merchant accounts for businesses in high-risk industries. Get approved quickly with competitive rates.
- ✓Fast approval process for high-risk merchants
- ✓Competitive processing rates tailored to your industry
- ✓Secure payment gateway with fraud protection
- ✓Dedicated support from payment experts
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High-Risk Payment Processing Solutions
Trusted merchant services for businesses facing challenges with traditional payment processors
Merchant Accounts for High-Risk Businesses
Many businesses struggle to obtain payment processing due to industry classification, business model, or processing history. Kosipay specializes in providing merchant accounts specifically designed for high-risk merchants, with higher approval rates and stable processing solutions.
Compliance & Risk Management
Our payment solutions include advanced fraud detection systems, chargeback prevention tools, and compliance expertise specific to your industry. We help high-risk merchants navigate complex regulatory requirements while maintaining payment processing stability.
Global Payment Solutions
Expand your business globally with our international payment processing solutions. We offer multi-currency support, region-specific payment methods, and cross-border transaction capabilities designed specifically for high-risk industries operating worldwide.
Why Businesses Choose Kosipay for High-Risk Payment Processing
Higher Approval Rates
Our specialized underwriting process understands high-risk industries, resulting in higher approval rates compared to traditional banks.
Competitive Rates
We offer transparent, industry-specific pricing with no hidden fees, even for businesses traditionally charged premium rates.
Account Stability
Our partnerships with multiple acquiring banks ensure long-term processing stability, reducing the risk of sudden account terminations.
Industry Expertise
Our team has deep experience in high-risk industries, offering tailored solutions that understand your specific business challenges.
What Our Merchants Say
Read success stories from businesses like yours that found reliable payment processing with Kosipay
Chris Reynolds
CBD Wellness Shop
"After being declined by three payment processors, Kosipay approved our CBD business within 48 hours. Their rates are better than any quotes we received, and we've had stable processing for over two years now."
Jessica Martinez
Global Travel Adventures
"The travel industry faces unique payment challenges with high-ticket items and advance bookings. Kosipay's specialized travel agency solution has reduced our chargebacks by 65% and their multi-currency support has helped us expand internationally."
Michael Kim
Supplement Solutions
"Our subscription-based supplement business was constantly dealing with account holds and freezes until we switched to Kosipay. Their subscription management tools, combined with reliable processing, have helped us grow our recurring revenue by 40% in just six months."
Industries We Serve
Specialized payment processing solutions for businesses in high-risk industries
Travel Agencies
Payment solutions for travel agencies and tour operators
CBD & Cannabis
Compliant processing for CBD and cannabis retailers
Online Gaming
Secure payment processing for gaming platforms
Nutraceuticals
Payment solutions for supplement companies
E-cigarettes & Vape
Reliable processing for vape and e-cig businesses
Subscription Services
Recurring billing solutions for subscription models
Kratom
Payment processing for kratom vendors
MLM
Multi-level marketing payment solutions
Firearms & Ammunition
Compliant processing for firearms dealers
Credit Repair
Payment solutions for credit repair services
Pawn Shops
Merchant accounts for pawn shop businesses
High Volume
Processing solutions for high-volume merchants
All Industries
Discover all the high-risk industries we serve
Seamless Payment Integration for Your Business
Advanced Fraud Protection for High-Risk Merchants
Frequently Asked Questions
Everything you need to know about high-risk merchant accounts
What is a high-risk merchant account?
A high-risk merchant account is a payment processing account specifically designed for businesses that traditional banks consider higher risk due to industry type, processing history, or business model. These specialized accounts enable businesses in industries like CBD, travel, online gaming, and nutraceuticals to process credit card payments despite being declined by conventional processors.
Why is my business considered high-risk?
Businesses may be classified as high-risk for several reasons: operating in regulated industries (CBD, firearms), having high chargeback rates, offering subscription billing models, selling age-restricted products, being new businesses with limited processing history, or operating internationally. This classification doesn't reflect the legitimacy of your business but rather the perceived processing risk from traditional banking perspectives.
How long does approval take for a high-risk merchant account?
With Kosipay, most high-risk merchant accounts are approved within 24-72 hours, significantly faster than the industry average of 1-2 weeks. Our streamlined application process and specialized underwriting team allow us to expedite approvals while maintaining thorough compliance checks. After approval, account setup and integration typically take an additional 1-3 business days.
What are the processing rates for high-risk merchant accounts?
Processing rates for high-risk merchant accounts typically range from 2.5% to 5.0% per transaction plus a small per-transaction fee. Your specific rate depends on your industry, processing volume, business history, and chargeback rates. Kosipay offers competitive, transparent pricing with no hidden fees, and we provide customized quotes based on your specific business profile.
Do you require a rolling reserve for high-risk merchant accounts?
Some high-risk merchant accounts may require a rolling reserve, which is a percentage of your processing volume held in reserve to cover potential chargebacks. Not all accounts require reserves, and Kosipay works to minimize or eliminate reserves when possible. When required, reserves typically range from 5-10% and are fully returned to you after a predetermined period, usually 6 months.
What payment methods can I accept with a high-risk merchant account?
Kosipay high-risk merchant accounts support all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, ACH payments, and alternative payment methods like digital wallets. We also offer cryptocurrency processing solutions and international payment options for businesses with global customers, ensuring you can serve all your customers regardless of their preferred payment method.
Still have questions?
Contact Our Payment ExpertsGet Your High-Risk Merchant Account Today
Don't let payment processing limitations hold back your business growth. Our specialized solutions for high-risk industries ensure you can accept payments reliably and securely.
- ✓Approval rates up to 95% for high-risk merchants
- ✓Integration with major shopping carts and platforms
- ✓Chargeback prevention and management tools
- ✓Competitive rates with transparent pricing
Get Started Today
Fill out the form below to receive your tailored payment solution
By clicking submit, you agree to our Terms of Service and Privacy Policy