We board the businesses mass-market platforms decline or quietly drop, with rate ranges published up front, AI-powered fraud and chargeback defense, and underwriting that gives you a written decision instead of a black-box “no.”
Underwriting the verticals other processors decline
Why merchants switch
The high-risk market is full of brokers who hide pricing, board you fast, and disappear when a dispute spikes. We built the opposite.
Fraud and risk scoring runs on every transaction: velocity rules, device signals, and pattern detection tuned for your vertical, so problems get stopped before they become chargebacks. In high-risk, the chargeback ratio is a fraud problem first, and it's the difference between a healthy account and a terminated one.
AI screens at speed; an underwriter reviews the file and issues a written memo: why you were approved, your reserve, and how it tapers.
We publish ranges by industry and give you an estimator before any sales call. You will not be “qualified” into a rate twice your quote.
When a mainstream aggregator offboards a high-risk account, it's usually because they never underwrote it. We do the work at the front, so your processing doesn't vanish the month you hit scale.
From health and wellness to subscriptions, retail, coaching, travel, B2B and nonprofits, we underwrite the categories mass-market platforms decline, and price them up front.
Nutraceuticals, supplements, peptides & telehealth
Continuity, free-trial & negative-option billing
Dropshipping, high-ticket retail, tobacco & vape
Coaching, online courses & digital agencies
Tour operators, ticket brokers & event resale
Invoicing, pay-by-link & faith-based donations
How approval actually works
Vertical, volume, average ticket, chargeback history. A couple of minutes.
Velocity, device, and pattern signals tuned for your category.
An underwriter reviews the file and signs a written decision memo.
Compliant accounts go live. Some verticals need sponsor concurrence, we say so up front.
US-based underwriting & support
High-risk verticals boarded
Decision memo on every account
Sponsored, compliant processing
Compliance is the product
High-risk processing lives or dies on compliance: LegitScript where required, MCC discipline, KYC/AML, and staying under card-brand monitoring thresholds like Visa VAMP and Mastercard BRAM.
We treat that as our job, which is exactly why our accounts don't get terminated when a network tightens its rules.
Common questions
A provider that underwrites and boards businesses the card networks classify as elevated-risk, because of chargeback exposure, card-not-present volume, recurring billing, or their MCC. Instead of declining these merchants the way mass-market aggregators do, a high-risk processor prices for the risk, sets reserves where needed, and supports the account through disputes.
Yes. Our pricing page publishes rate ranges by industry as a static, readable table, plus a volume-based estimator. Your final rate is set by underwriting based on your model, volume, average ticket, and chargeback history, but you see the band before you ever fill out a form.
That's the core failure of mass-market platforms: they board high-risk merchants quietly, then freeze or terminate them when a risk model trips. We underwrite properly up front, AI screening plus a human-reviewed written decision, so the account that gets boarded is the account that stays boarded.
If you run a compliant business in a category everyone else is scared of, that's the business we want. See your rate range, then apply in minutes.