High-Risk Industries We Serve

We board a wide span of high-risk and mid-risk verticals, health and wellness (nutraceuticals, peptides), subscriptions and memberships, retail and e-commerce (dropshipping, high-ticket and luxury goods), services and coaching, travel and events, B2B and invoicing, nonprofits and faith-based giving, plus specialized consult-only categories like MSBs, online gaming, and MLM. Each has a dedicated page with its fee range and approval notes. If you don't see yours, it's worth a conversation, the list isn't exhaustive.

A business is classed high-risk for reasons that have little to do with legitimacy: a high-risk MCC, elevated chargeback exposure, card-not-present volume, recurring or free-trial billing, large average tickets, long delivery windows, or a regulated product. Any one of these can get a business declined or frozen by a mainstream processor. The common thread isn't that the business is doing something wrong, it's that the risk needs to be underwritten properly rather than waved through and then dropped.

Yes. Plenty of the verticals here, SaaS, property management, moving, fitness, pet products, nonprofits, sit at the mid-risk end and get declined or frozen by aggregators more for their billing model or category than for genuine danger. We underwrite them on accounts sized to their actual risk, which often means better terms than the high-risk label would suggest.

Talk to us. The pages here cover the verticals we see most, but underwriting is model-by-model, not a closed list, and some boardable categories are handled consult-first rather than getting a marketing page. The fastest way to find out whether your business is boardable is to tell us what you do; we'll give you a straight answer.