High-Risk Industries We Serve
Circopay specializes in providing merchant account solutions for businesses in high-risk industries. When traditional banks say no, we deliver reliable payment processing tailored to your unique needs.
Why Choose Circopay for High-Risk Processing
Industries We Support
Travel Agencies
Secure payment solutions for travel agencies facing high transaction volumes, chargebacks, and international payments.
CBD & Cannabis
Reliable merchant accounts for CBD retailers and manufacturers navigating complex regulatory environments.
Online Gaming
Specialized payment processing for gaming platforms with high transaction volumes and international customers.
Nutraceuticals
Merchant accounts tailored for supplement and nutraceutical businesses that face regulatory scrutiny.
E-cigarettes & Vape
Payment solutions for vape shops and e-cigarette retailers operating in a challenging regulatory environment.
Subscription Services
Reliable recurring billing solutions for subscription-based businesses with complex billing requirements.
Kratom
Secure payment processing for kratom vendors navigating evolving regulations and banking restrictions.
MLM
Merchant accounts designed for multi-level marketing companies with complex commission structures.
Firearms & Ammunition
Compliant payment processing for firearms dealers facing strict regulatory requirements and banking limitations.
Credit Repair
Reliable merchant accounts for credit repair businesses that face high scrutiny from payment processors.
Pawn Shops
Specialized payment solutions for pawn shops handling both retail sales and collateral-based lending.
High Volume
Robust merchant accounts for businesses processing large numbers of transactions or high monthly volumes.
Telemedicine & Telehealth
HIPAA-compliant payment processing for telemedicine providers serving patients remotely.
Can't Find Your Industry?
We work with many other high-risk industries not listed here. Contact our team to discuss your specific payment processing needs and how we can help your business succeed.
Contact Us TodayFrequently Asked Questions
What makes an industry "high-risk"?
Industries are typically categorized as high-risk due to factors like higher chargeback rates, regulatory scrutiny, legal uncertainties, subscription billing models, or high average transaction values. Banks and payment processors apply this label when they perceive increased financial risk.
Why do high-risk businesses struggle to get merchant accounts?
Traditional banks and payment processors often avoid high-risk industries due to concerns about chargebacks, fraud, regulatory compliance, and reputational risk. This creates obstacles for legitimate businesses seeking reliable payment processing.
What are the benefits of choosing a high-risk specialist like Circopay?
Circopay understands the unique challenges faced by high-risk businesses. We offer specialized solutions including higher approval rates, industry-specific fraud protection, chargeback prevention tools, and stable processing with fewer account freezes or terminations.
How quickly can I get approved for a high-risk merchant account?
While traditional merchant accounts might take weeks for high-risk businesses, Circopay's streamlined application process can often provide approval within 24-72 hours, with account setup completed within 3-5 business days.