Transparent Pricing & Rate Estimator
Most processors hide this page. Here it is: the actual rate range for every vertical we board, a tool to estimate your own number, and a form to request a tailored proposal. No “call for pricing,” no rate that doubles after you sign.
- Ranges published by vertical
- Estimate before you talk to us
- No junk fees
1 · Rate ranges by industry
Real, current ranges, published
These are real, current ranges. Where you land inside a band depends on your volume, average ticket, and chargeback history, and your final rate is set by underwriting. Updated June 10, 2026.
| Industry / vertical | Rate range | Notes |
|---|---|---|
| Peptides, GLP-1 & telehealth | 5–9% | Reserve typically 10–15%; LegitScript required for GLP-1/Rx models |
| Nutraceuticals & supplements | 4–6% | Continuity-billing ready; FTC-compliant offers |
| Subscription & continuity billing | 4–6% | Dunning + account-updater included |
| Dropshipping & high-risk e-commerce | 3.9–6.5% | Depends on fulfillment model and dispute rate |
| Ticket brokers & event resale | 3.5–5.5% | Advance-sale exposure factored in |
| High-ticket coaching & info-products | 3.5–5.5% | May carry a reserve; FTC earnings-claim review |
| Tobacco & vape | 3.5–4.5% | Age-verification required |
| Travel & tour operators | 3–3.75% | Advance-booking models supported |
| SaaS, courses, pet, moving, retail, property | 3–4% | Standard mid-risk band |
| B2B, invoicing & pay-by-link | 2.7–3.5% | Level 2/3 data can lower interchange |
| Nonprofits & faith-based giving | ~2.9% | Recurring giving supported |
Don't see your category? Get approved and we'll quote your band directly. Get approved →
2 · Estimate your rate
Model a realistic band for your business
Enter your volume, industry, and current chargeback rate. Higher volume pulls the range down; elevated disputes push it up. It's an honest starting point, not a quote.
Estimated rate band
Enter your volume to narrow the band. Continuity-billing ready; FTC-compliant offers
An estimate, not a quote. Your final rate is set by underwriting on the specifics of your business.
3 · What drives your rate
Five inputs do most of the work
Your merchant category code sets the baseline risk band. Your card-present versus card-not-present mix matters because online and recurring billing carry more dispute exposure. Your average ticket changes the math, a $2,000 coaching package and a $40 supplement reorder are very different risks.
Your monthly volume earns you better pricing as it grows. And your chargeback history is the single biggest swing factor; a clean ratio well under the card-brand thresholds is worth real basis points.
Reserves & fees
Disclosed up front, no junk-fee padding
- Rolling reserve (higher-risk verticals), percentage and hold period in writing
- Reserves taper as your account builds clean history
- Discount rate + per-transaction fee, stated plainly
- Gateway fee only if you use ours
- No invented line items to flatter a headline rate
- Every fee in your underwriting memo before you sign
4 · Get it in writing
A real number, not a sales pitch
Estimate your band above, then apply once. The application takes a couple of minutes and returns an underwriting-grade quote with your rate and any reserve disclosed up front. No separate proposal form to fill out twice.
FAQ
Pricing FAQ
How much does high-risk processing cost?
It depends on your vertical and risk profile. Our published ranges run from about 2.7–3.5% for B2B and invoicing and ~2.9% for nonprofits, through 3.0–4.0% for retail and SaaS-type subscriptions, 4–6% for nutraceuticals and continuity billing, and 5–9% for peptides and GLP-1. Higher-risk accounts may also carry a rolling reserve. Your final rate is set by underwriting based on volume, average ticket, and chargeback history.
What are typical high-risk merchant account fees?
Beyond the discount rate, expect the standard components: per-transaction fees, a gateway fee if you use ours, and, for higher-risk verticals, a rolling reserve. We don't add junk fees designed to obscure the real cost, and we tell you every line item in your underwriting memo before you sign.
Does GivePayments charge rolling reserves?
For higher-risk verticals, yes, a rolling reserve withholds a defined percentage of sales for a set period as a buffer against chargebacks and refunds. Peptide and GLP-1 accounts typically see 10–15%. The key difference is that our reserves are disclosed up front and taper down as your account builds a clean processing history, rather than appearing as a surprise hold.
How are high-risk rates calculated?
Underwriting weighs your merchant category code, monthly volume, average ticket, card-present versus card-not-present mix, recurring-billing model, and chargeback history against the risk band for your vertical. Lower risk and higher volume push you toward the bottom of the published range; thin history or elevated disputes push you up. The estimator on this page gives you a realistic band before you ever talk to us.
Keep exploring
See your band, then get it in writing.
Estimate above, then apply for an underwriting-grade quote with your rate and any reserve disclosed up front.