If your business has been labeled high-risk and turned away by banks, our team is ready to help. We deliver high-risk merchant accounts with a dedicated payment gateway, chargeback protection and fraud prevention - built for the businesses traditional processors refuse to support.
Our team specializes in high-risk merchants, which sets us apart from traditional payment service providers that decline or freeze accounts the moment a business is flagged. You will work with a dedicated account manager who helps you choose the high-risk payment solutions that best fit your industry, model and volume.
We integrate high-risk credit card processing with the ecommerce, POS, CRM and accounting tools you already use - no technical skills required. Once you apply, you will complete a short application covering your business, its risk profile and your processing requirements. After underwriting reviews your information, our high-risk payment processing team finishes setting up your merchant account.
From subscription and nutraceutical brands to firearms, vape, CBD, crypto and beyond, we provide affordable, reliable high-risk credit card processing tailored to the unique challenges of hard-to-place industries.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your high-risk business. Here are the key benefits our high-risk payment solutions offer.
Our high-risk payment gateways are designed to keep hard-to-place businesses processing reliably. We give you secure, flexible payment options - from recurring billing and multi-bank routing to options that reduce declines and protect your revenue.
Chargebacks are the leading reason high-risk accounts get shut down. Beyond lost revenue, excessive chargebacks trigger penalties and termination. We use advanced prevention and alert tools to protect your high-risk merchant account and help you contest "friendly fraud."
Fraud prevention is built into every high-risk transaction we process. Our solutions flag suspicious and stolen-card orders before they process - essential protection given the elevated fraud and dispute exposure of high-risk industries.
We place merchant accounts for dozens of hard-to-approve categories. We provide omnichannel high-risk payment processing for online, retail and phone-based operations of every size.
Share your contact details and a member of our high-risk payment processing team will schedule a call to build the right high-risk merchant account for your business.
Answers to the questions high-risk businesses ask us most about accepting payments, chargebacks, fees and getting approved.
We provide omnichannel high-risk payment processing so you can take cards wherever your customers are:
Online: We offer secure high-risk payment gateways for online card sales worldwide, with recurring billing and multi-bank routing to reduce declines.
In person: We provide POS systems and card readers for high-risk retail operations of every size.
Over the phone: Our virtual terminals make it easy to take high-risk orders and invoices over the phone.
High-risk processing fees typically range from 2% to 5% depending on your industry, chargeback history and volume. High-risk accounts carry higher pricing than standard retail to offset the added underwriting risk.
We focus on affordable high-risk payment processing, shopping your account across multiple high-risk banks and adding prevention tools to keep your effective rate and your merchant account stable.
To speed up approval of your high-risk merchant account, gather the following before you apply:
Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.
Banks label a business high-risk based on factors like industry type, chargeback rates, recurring billing, regulatory exposure, average ticket size and processing history. Being high-risk does not mean you cannot get approved - it means you need a specialized processor. We underwrite high-risk businesses every day and build in the protections that keep your account open.
Most high-risk merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Because underwriting for high-risk accounts is more detailed, having clean statements and a compliant website ready is the fastest path to approval.
