High-Risk Merchant Accounts Made Simple
Secure reliable payment processing for your high-risk business. Kosipay specializes in approving merchants who have been declined by traditional providers.
- ✓95% approval rate for high-risk industries
- ✓Competitive processing rates with transparent pricing
- ✓Fast setup with 24-72 hour approvals
- ✓Stable, long-term processing solutions
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Why Choose Kosipay for High-Risk Processing
We understand the unique challenges facing high-risk merchants and provide tailored solutions
High Approval Rates
Our specialized underwriting process for high-risk merchants results in approval rates of 95%, even for businesses previously declined by traditional processors. We have established banking relationships specifically for challenging industries.
Competitive Rates
We offer transparent, competitive pricing tailored to your specific business risk profile. Unlike many high-risk providers, we never hide fees or impose unexpected charges, and we work to minimize or eliminate reserves whenever possible.
Rapid Setup
Our streamlined application process typically results in approvals within 24-72 hours, significantly faster than industry averages. Once approved, your account can be fully operational within 1-3 business days with our expedited setup process.
Processing Stability
Our diverse banking network provides redundancy and stability for high-risk merchants. With multiple backup processing options and account monitoring, we ensure your business can continue accepting payments even if challenges arise with a particular processor.
Risk Management
Our comprehensive risk management tools help protect your merchant account from fraud and chargebacks. Our proactive approach includes advanced fraud detection, chargeback prevention, and ongoing account monitoring to maintain processing stability.
Dedicated Support
Each merchant is assigned a dedicated account manager with experience in your specific industry. Our support team is available 24/7 to address any processing issues, and we provide ongoing consultations to optimize your payment acceptance strategies.
High-Risk Industries We Serve
Specialized payment processing solutions for businesses in challenging industries
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
Firearms & Ammunition
Compliant processing for firearms dealers
Credit Repair
Payment solutions for credit repair services
Streamlined Application Process
Comprehensive Payment Solutions
Frequently Asked Questions
Common questions 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, adult content, 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.
What documents do I need to apply?
For a high-risk merchant account application, you'll typically need: business license/registration, EIN documentation, 3-6 months of processing statements (if applicable), bank statements, valid ID for all owners with 25%+ ownership, processing history, website or business plan details, and potentially industry-specific documentation. Our application specialists will guide you through the exact requirements for your business type.
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 if I've been declined by other processors?
Being declined by traditional processors is common for high-risk businesses and doesn't affect your chances with Kosipay. Our specialized underwriting process and banking relationships are specifically designed for merchants who have been previously declined. We approve over 95% of high-risk applications, even those with prior terminations or placement on the MATCH/TMF list, by focusing on your current business practices rather than past processing history.
Have more questions about high-risk merchant accounts?
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