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Direct-bank high-risk payment solutions

Payments that
keep moving.

High-risk payment solutions with direct banking relationships, vertical-specific underwriting, and funds that actually move. Live in five days.

Networks & rails
VISA Mastercard AMEX DISCOVER Apple Pay Google Pay ACH
Live dashboard

Your whole operation, one screen.

Volume, approvals, funding and disputes in real time — the same console your account manager watches alongside you.

Live
Last 30 days UTC
Volume processed
$0
▲ 18.4% vs last period
Approval rate
0%
▲ 2.1 pts
Chargeback ratio
0%
Well under the 0.9% cap
Settled to bank
$0
Next payout in 22h
Processing volume
Daily settled volume · last 30 days
Revenue composition
By source
Card sales$812,400
Recurring / rebill$402,120
One-time / other$70,400
Approval rate
Authorized vs attempted · last 30 days
Decline reasons
Share of attempted charges
Insufficient funds3.1%
Do not honor1.4%
AVS mismatch0.8%
Risk hold0.5%
Dispute activity
Alerts & chargebacks · last 30 days
Ethoca alert · refunded pre-dispute Prevented−$0
RDR · auto-resolved Rapid Dispute$86.00
Representment · won Compelling evidence+$142.00
Chargeback · in review Responded$74.00
Dispute outcomes
Rolling 90 days
Alerts intercepted38
Representments won71%
Open disputes2
Payout settled
$48,900
Approvals this hour
96.1%
Product preview · sample data
Capabilities

Built for one thing: high-risk approvals.

We don't touch low-risk retail. Every system here — underwriting, MID routing, dispute defense — is tuned for the verticals other processors decline.

01

Specialist underwriting

Boarded with acquiring banks that actually approve peptides, nutra, CBD and telehealth.

02

Multi-MID redundancy

Merchant accounts across multiple acquiring banks, so a single point of failure never takes your checkout offline.

03

Chargeback defense

Ethoca and RDR alerts, automated representment, and ratio monitoring to keep you inside program thresholds.

04

Fast settlement

Same-day and next-day funding structured around your reserve, not against it.

05

Descriptor & reserve control

Clean billing descriptors, transparent reserves, and holds you can actually plan around.

06

Checkout & integrations

Hosted checkout and drop-in plugins for the carts you already run — card data never touches your site.

Built for the verticals others decline.

High-risk is the whole business, not a side desk. Every vertical below is underwritten with the right banks, risk models and chargeback tooling from day one.

01Peptides & researchBoarded with acquiring banks that understand the vertical.
02Telehealth & RxTokenized billing for consult and Rx subscription flows.
03NutraceuticalsSupplements, vitamins, functional health.
04CBD & HempCompliant payments across all 50 states.
05MedSpa & aestheticsRecurring packages, membership billing.
06Coaching & high-ticketCourses, memberships, coaching programs.
07Crypto, forex & firearmsOn/off-ramp, KYC, FFL verification — compliance-first.
Don't see your vertical?
If it's legal and domiciled properly, we probably board it. Apply and we'll tell you straight.
Talk to underwriting →
Pricing

Priced to your vertical. Not a generic markup.

Quoted after underwriting, locked before you sign — no surprise PCI surcharges, no confusing rate tiers.

Get boarded
New high-risk merchants, including those declined elsewhere
Quoted
after underwriting
One merchant account, placed with an acquiring bank that approves your vertical.
  • Vertical-specific underwriting
  • Single MID to start
  • Chargeback alert integration
  • Next-day funding
Request a quote
Most merchants
Scale
Established high-risk — peptides, CBD, telehealth, nutra & more
Custom
by vertical & volume
Multiple MIDs load-balanced, priced to your profile and locked before you sign.
  • Everything in Get boarded
  • Multi-MID load balancing
  • Dedicated merchant rep
  • Volume tier step-downs
Apply free
$650
One-time setup
Locked
Rates before you sign
$0
PCI surcharges
1:1
Dedicated rep

From application to first transaction in 5 days.

01

Submit application

7-step intake and docs in under 15 minutes. No commitment, no credit pull.

02

Get matched

We pair you with banks that specialize in your vertical. Approvals in 24–48h.

03

Integrate & go live

Drop in the checkout. Your rep walks you through every step.

15min
Application time
24–48h
Underwriting
5d
First live charge
1:1
Dedicated rep
Built for high-risk · approved for growth

Ready to stop losing revenue to bad processors?

Apply free. Get matched in 48 hours. Go live in 5 days. No lock-in, and a rep who actually picks up the phone.

Get started