Payment Processing for High-Risk Industries
Specialized merchant accounts for industries that other processors decline.
High Approval Rates
Over 90% approval success even for businesses previously declined elsewhere
Industry-Specific Solutions
Tailored features and compliance tools for your unique business needs
Competitive Pricing
Transparent rates with no hidden fees, optimized for high-risk industries
Stable Processing
Multi-bank network ensures continuous payment acceptance without interruptions
Industries We Serve
Kosipay specializes in providing reliable merchant accounts for these high-risk industries.
Travel Agencies
Stable payment processing for travel agencies, tour operators, and booking platforms with protection against seasonal fluctuations and chargebacks.
Learn more →CBD & Cannabis
Reliable merchant accounts for CBD retailers and manufacturers with industry-specific compliance tools and banking relationships.
Learn more →Online Gaming
Secure payment solutions for gaming platforms, casinos, and sports betting with fraud protection and regulatory compliance.
Learn more →Nutraceuticals
Specialized processing for supplement companies with subscription-friendly features and chargeback prevention.
Learn more →E-cigarettes & Vape
Payment processing for vape shops and e-cigarette merchants with age verification and compliance management.
Learn more →Subscription Services
Recurring billing solutions for membership sites and subscription boxes with advanced retention tools.
Learn more →Kratom
Merchant accounts for kratom retailers and distributors with solutions for evolving regulatory requirements.
Learn more →MLM
Payment processing for direct sales and multi-level marketing companies with distributor payout management.
Learn more →Firearms & Ammunition
Compliant payment solutions for firearms dealers and gun shops with specialized banking relationships.
Learn more →Credit Repair
Merchant accounts for credit repair businesses with CROA compliance tools and dispute management.
Learn more →Pawn Shops
Payment processing for pawn shops with solutions for both retail sales and collateral lending.
Learn more →High Volume
Scalable solutions for high-transaction businesses with volume-based pricing and enhanced stability.
Learn more →Telemedicine & Telehealth
HIPAA-compliant payment processing for telemedicine providers with subscription and one-time payment options.
Learn more →Why Choose Kosipay for High-Risk Industries?
Traditional payment processors often decline or abruptly terminate businesses in high-risk industries, leaving many legitimate merchants without reliable payment processing options.
At Kosipay, we specialize exclusively in high-risk payment processing, with banking relationships and underwriting expertise specifically designed for these challenging verticals.
Industry Expertise
Our team understands the unique challenges and regulatory requirements of your specific industry, providing guidance beyond just payment processing.
Scalable Solutions
Whether you're just starting out or processing millions monthly, our solutions scale with your business growth without processing caps or limitations.
Compliance Support
Our industry-specific compliance tools help you navigate complex regulations and card network rules, keeping your account in good standing.
Common Questions About High-Risk Processing
Answers to frequently asked questions about our high-risk merchant accounts
What makes an industry "high-risk"?
Industries are classified as high-risk based on several factors, including regulatory complexity, higher-than-average chargeback rates, extended delivery periods, subscription billing models, reputational considerations, and legal ambiguities. This classification is typically determined by banks and card networks based on their risk assessment.
Why have I been declined by other processors?
Traditional payment processors often decline high-risk businesses due to conservative risk policies, lacking the specialized underwriting expertise or banking relationships needed for these industries. Even legitimate, compliant businesses in high-risk categories face automatic rejections. Kosipay specializes exclusively in these industries, with tailored solutions and risk management approaches.
What are your approval rates for high-risk merchants?
We approve over 90% of qualified high-risk merchants who apply, including many who have been previously declined elsewhere. Our specialized underwriting process looks beyond standard risk factors to evaluate your business's specific characteristics, compliance efforts, and stability. While approval isn't guaranteed, our expertise in high-risk industries significantly increases your chances.
What processing rates can I expect for my high-risk business?
Rates for high-risk merchant accounts typically range from 2.9% to 6.5% plus a small per-transaction fee, depending on your specific industry, processing volume, business history, and risk profile. While these rates are higher than standard retail rates, they reflect the specialized banking relationships and risk management required. We offer transparent pricing with no hidden fees, and volume discounts for larger businesses.
Ready to Process Payments for Your Business?
Don't let payment processing limitations hold back your growth. Apply today and join thousands of high-risk businesses who've found a reliable payment solution with Kosipay.