Payment Solutions For High-Risk Merchants
Secure reliable payment processing for your high-risk business. CircoPay specializes in merchant accounts for CBD, gaming, adult entertainment, and other challenging industries.
By clicking submit, you agree to our Terms of Service and Privacy Policy
TRUSTED BY HIGH-RISK MERCHANTS ACROSS INDUSTRIES
High-Risk Payment Processing Features
CircoPay offers specialized payment processing solutions tailored for high-risk industries, combining robust security with seamless customer experiences.
Chargeback Prevention
Advanced fraud detection and prevention tools that reduce chargebacks and protect your merchant account status.
Learn moreFraud Protection
Real-time fraud monitoring with AI-powered risk assessment to protect your business from fraudulent transactions.
Learn moreEcommerce Integration
Seamless integration with all major ecommerce platforms, shopping carts, and custom websites.
Learn moreHigh-Risk Merchant Accounts
Specialized merchant accounts for businesses in high-risk industries with competitive rates and reliable processing.
Learn moreVirtual Terminal
Accept payments anywhere with our cloud-based virtual terminal. Process card-not-present transactions, set up recurring billing, and manage customer information from any device with internet access.
Get Started With Virtual Terminal
CBD & Cannabis Payment Processing Solutions
CircoPay specializes in providing reliable payment processing solutions for businesses in the rapidly growing CBD and cannabis industry. Our tailored services help dispensaries, CBD retailers, and related businesses overcome traditional banking obstacles.
With our specialized merchant accounts, you can accept credit card payments legally and transparently while maintaining compliance with evolving regulations.
Gaming & iGaming Payment Solutions
Online gaming and gambling businesses face unique challenges when it comes to payment processing. CircoPay offers specialized merchant accounts designed specifically for the gaming industry, helping you navigate complex regulations while providing your players with seamless payment options.
Our high-risk payment processing solutions include advanced fraud protection, multi-currency support, and quick settlement times to optimize your gaming operation.
Get Your High-Risk Merchant Account in 3 Simple Steps
Our streamlined application process for high-risk merchant accounts is designed to get your business processing payments quickly, with minimal paperwork and fast approvals.
Apply Online
Get Approved
Start Processing
High-Risk Industries We Serve
CircoPay provides tailored payment processing solutions for these high-risk industries and many more. We understand the unique challenges each industry faces and offer custom solutions to overcome them.
Travel & Tourism
Specialized payment solutions for travel agencies, tour operators, and OTAs dealing with high ticket values and advanced bookings.
Learn moreCBD & Cannabis
Compliant payment processing for CBD retailers, wholesalers, and related businesses in this rapidly growing industry.
Learn moreKratom Products
Reliable merchant accounts for businesses selling kratom products, overcoming traditional banking obstacles.
Learn moreTelehealth Services
Payment solutions for telehealth providers, online pharmacies, and remote medical services with subscription billing.
Learn moreSubscription Services
Specialized processing for subscription-based businesses with recurring billing needs and potential for chargebacks.
Learn moreHigh-Volume Merchants
Custom payment solutions for businesses processing high transaction volumes requiring optimized rates and enhanced security.
Learn moreNutraceuticals
Payment processing for supplement companies, vitamin retailers, and health product manufacturers with recurring billing options.
Learn moreMLM Businesses
Merchant account solutions for multi-level marketing companies with complex commission structures and multiple payment endpoints.
Learn moreCredit Repair
Payment processing for credit repair agencies and financial service providers facing unique regulatory challenges.
Learn morePawn Shops
Reliable payment solutions for pawn shops and second-hand retailers with in-store and online sales channels.
Learn moreFrequently Asked Questions About High-Risk Payment Processing
What makes a merchant account 'high-risk'?
A merchant account is typically classified as 'high-risk' due to several factors:
- Industry type (CBD, gaming, adult content, etc.)
- High average transaction amounts
- High chargeback ratios or potential for fraud
- International or multi-currency transactions
- Credit issues or lack of processing history
- Subscription or recurring billing models
CircoPay specializes in serving these high-risk industries with tailored payment solutions.
How does CircoPay help with chargeback prevention?
CircoPay provides comprehensive chargeback prevention through a multi-layered approach: advanced fraud detection systems that flag suspicious transactions, customer verification protocols, detailed transaction descriptors, and real-time alerts. We also offer chargeback representment services to help recover lost revenue and provide detailed analytics to identify patterns and prevent future disputes.
Can CBD businesses accept credit card payments legally?
Yes, CBD businesses can legally accept credit card payments through properly set up high-risk merchant accounts like those offered by CircoPay. While many traditional payment processors avoid the CBD industry due to regulatory complexity, our specialized payment solutions ensure compliance with current regulations while providing your customers with seamless credit card processing options.
What payment methods can I offer my customers with CircoPay?
CircoPay enables high-risk merchants to offer a comprehensive range of payment options:
- All major credit and debit cards (Visa, Mastercard, American Express, Discover)
- ACH/eCheck processing
- International payment methods
- Mobile payment solutions
- Cryptocurrency payment options
- Recurring billing and subscription management
Our flexibility helps maximize conversion rates by accommodating customer preferences.
How long does it take to get approved for a high-risk merchant account?
The approval process for a high-risk merchant account typically takes 1-2 weeks with CircoPay, significantly faster than industry averages of 3-4 weeks. Our streamlined application process, established banking relationships, and expertise in high-risk processing allow us to expedite approvals while maintaining thorough underwriting standards.
Are there any industries CircoPay cannot provide payment processing for?
While CircoPay specializes in high-risk payment processing, there are certain industries we cannot service due to regulatory constraints and banking restrictions. These include businesses dealing with illegal substances or services, pyramid schemes, and certain other restricted categories. We recommend contacting our sales team to discuss your specific business model and determine eligibility.
Ready to start accepting payments?
Get approved within 24-48 hours and start processing payments with CircoPay's high-risk merchant solutions.
- No setup fees
- 24/7 customer support
- Competitive rates for high-risk merchants
- Secure payment gateway included
"CircoPay helped us increase our approval rate by 35% while reducing fraud cases significantly."
Jane Smith, CEO, GrowTech Solutions
