Merchant payment processing for high-risk and standard businesses - built by people who got tired of saying no.
24-48
Hours to a real approval answer
PCI
Compliant, and an ETA member
Any
Legal industry, high-risk to standard
Most processors lead with what they do. We'll lead with what we don't do: we don't tell a legal business we won't accept its industry. That one rule is the reason Karma Card Payments exists.
We.re a payment processing company for high-risk and standard merchants. The model is client-centered by design - competitive pricing, real human support, and a setup shaped around how your business actually takes payments.
Online, in-store, or mobile, the goal doesn't change: get you processing, securely and affordably.
Wherever and however your customers pay
Most merchants live in 24-48 hours
No bots, no runaround
Online, in-store, or mobile
Karma Card Payments was built and is run by payment executives who were done watching legitimate businesses get turned away for the industry they happen to be in. The mission is simple: board every legal business, of any type, anywhere - and break the barriers that keep them out of the global economy. Everyone deserves a fair shot to compete, securely and affordably.
You're not too risky to serve. You've just been underwritten by people who never understood your business.
"High-risk" isn't a judgment on your business. It's a category acquiring banks use for industries with more chargebacks or tighter regulation - CBD, firearms, nutraceuticals, adult, travel, and more.
The categories most processors avoid
Everyday businesses, fairly priced
Don't see your industry? That's a conversation, not a no.
Apply, and you'll hear back in 24-48 hours - not with a form rejection, but with a real answer. No runaround, no disappearing funds.
Apply and share how you take payments, what you sell, and where you operate.
We place you with an acquirer that already understands your industry on purpose.
Approved and live, securely and affordably - the account built to keep you.
We meet the Payment Card Industry standards that protect your customers' card data and your reputation.
We're a member of the Electronic Transactions Association - the industry body for trusted payments.
Karma Card Payments is led by its owner, Rich Riedel - a strategic leader in fintech payments operations who has spent his career inside banks and financial institutions, defining the technology and processes that keep firms ahead of a shifting compliance landscape, not just scrambling to keep up with it.
He has seen the industry from every angle. At Boulevard, he built the payments infrastructure that now supports $1.2 billion in annual processing volume - and nearly eliminated the company's fraud and chargeback losses, leading it through every audit with zero findings.
That background is the whole point. The person deciding which businesses Karma Card Payments can approve spent years on the other side of the desk - controlling risk, passing audits, and building consensus across engineering, customer service, product, sales, and executive teams. He knows exactly where the real risk lives, which means he knows when a "high-risk" business is actually a safe bet the big processors were simply too lazy to underwrite.
Most processors reject high-risk merchants because they can't tell danger from paperwork. Rich can.
Get approved in 24-48 hours. Tell us about your business - we'll find the path.