Been turned down for poor credit, prior chargebacks or a terminated account? We approve bad-credit merchant accounts with a dedicated gateway, chargeback protection and fraud prevention.
A low credit score, a past MATCH listing or a previously closed account does not have to end your ability to accept cards. We underwrite second-chance merchant accounts every day.
You will work with a dedicated account manager who helps you choose the right bad-credit payment solutions and guides you through setup. We can integrate with the software you already use, including your CRM and accounting tools - no technical skills required.
Once you apply, you will complete a short online application covering your business, its size and your payment needs. After review, a member of our bad-credit payment processing team will reach out to finish setting up your account, typically within 24-48 hours.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments to process payments for your bad-credit business. Here are the key benefits our bad-credit payment solutions offer.
Our bad-credit payment gateway gives you secure, flexible payment options tailored to your products - from recurring billing for predictable revenue to one-time sales and discounts that reward loyal customers.
Chargebacks are a serious concern for bad-credit businesses. Beyond lost revenue, excessive chargebacks can trigger penalties and account closure. We use advanced prevention tools to protect you and help you contest cases of friendly fraud.
Fraud prevention is built into every solution we offer. Sophisticated detection flags suspicious transactions before they process - essential protection given the elevated fraud risk in the bad-credit space.
We provide omnichannel bad-credit payment processing for online, retail and phone-based operations of every size.
Share your contact details and a member of our bad-credit payment processing team will schedule a call to build the right solution for your business.
Answers to the questions bad-credit businesses ask us most about accepting payments, fees and getting approved.
We provide omnichannel payment solutions designed for bad-credit businesses:
Online: A secure payment gateway lets you accept credit card and ACH payments from customers - including one-time transactions, subscription billing and recurring payments.
Retail: For in-person sales we provide POS software and card readers for operations of all sizes.
Over the phone: Virtual terminals make it simple to accept payments over the phone with added convenience and security.
Processing fees typically range from 1.5% to 3.5%, depending on card brand, transaction type and your industry. Because bad-credit is classified as high-risk, rates can run higher than average.
Our mission is to offer affordable, transparent processing tailored to bad-credit businesses, helping you avoid excessive fees while staying compliant with Visa and Mastercard requirements.
To help expedite approval, please gather the following before applying:
Your website should use HTTPS with a valid SSL certificate and include your legal business name, contact details, a Privacy Policy, Terms & Conditions and a Refund Policy.
These accounts are high-risk because the business owner or company carries credit issues, prior terminations or thin history that mainstream processors automatically decline. That classification is exactly why a specialized processor matters - we underwrite bad-credit businesses every day and build in the protections needed to keep your account stable.
Most bad-credit merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Having your paperwork and a compliant website ready ahead of time is the fastest way to get up and running.
