High-Risk Merchant Accounts When Others Say No
Reliable payment processing solutions for businesses in challenging industries with high approval rates and competitive pricing
Payment Processing Designed for High-Risk Businesses
Operating in a high-risk industry shouldn't mean settling for subpar payment processing. At CircoPay, we specialize in providing robust merchant services to businesses traditionally underserved by conventional payment processors.
Whether you're in CBD, adult entertainment, online gaming, or another challenging industry, our specialized solutions address your unique payment needs while offering the security, reliability, and customer support your business deserves.
Dedicated account managers who understand your industry
Multiple banking relationships to ensure approval
Integrated fraud protection and chargeback prevention
Transparent pricing with no hidden fees
Why Businesses Choose CircoPay
Industries We Serve
CircoPay specializes in payment processing for these high-risk industries and many others
CBD & Hemp
Specialized processing solutions for CBD retailers, wholesalers, and manufacturers navigating complex regulations.
Online Gaming
Reliable payment solutions for gaming platforms, casinos, and betting services with fraud protection.
Subscription Services
Specialized processing for recurring billing businesses with chargeback prevention tools.
Nutraceuticals
Payment processing for supplements, vitamins, and health products with regulatory compliance support.
Travel & Ticketing
Secure transaction processing for travel agencies, booking platforms, and event ticket sales.
E-Cigarettes & Vaping
Reliable merchant services for vape shops and e-cigarette manufacturers despite industry challenges.
Firearms & Ammunition
Compliant payment processing solutions for firearms dealers and related businesses.
Why Choose CircoPay for High-Risk Processing
We understand the unique challenges high-risk merchants face and provide solutions designed for your success
High Approval Rates
Our specialized underwriting process leads to 93% approval rates, even for businesses previously declined.
Fast Approvals
Get approved within 24-72 hours, significantly faster than the industry average of 1-2 weeks.
Competitive Rates
Transparent pricing with rates tailored to your specific business model and processing volume.
Advanced Fraud Protection
Industry-leading fraud detection tools to prevent losses while maximizing approval rates.
Chargeback Prevention
Proactive tools and alerts to reduce chargebacks by up to 60% and protect your merchant account.
Multiple Payment Options
Accept credit cards, ACH, eChecks, and alternative payment methods to maximize your revenue.
Simple 3-Step Application Process
Get approved and start processing payments in as little as 24 hours
Apply Online
Complete our simple online application with basic business information. Takes just 5-10 minutes.
Fast Underwriting
Our specialized underwriting team reviews your application and provides approval within 24-72 hours.
Start Processing
Once approved, our team helps you integrate our payment gateway with your website or POS system.
What Our Merchants Say
Trusted by hundreds of high-risk businesses across multiple industries
"After being rejected by 5 other processors, CircoPay approved our CBD business in just 48 hours with better rates than we expected."
"The fraud protection alone has saved us thousands. Our chargeback rate dropped from 3.2% to 0.8% in the first month."
"The transition to CircoPay was seamless. Their team understood our subscription business model and tailored a solution specifically for us."
Frequently Asked Questions
What is a high-risk merchant account?
A high-risk merchant account is a payment processing account specifically designed for businesses that traditional banks and processors consider higher risk. This could be due to the industry you operate in (like CBD, adult services, or gaming), a history of chargebacks, poor credit, or processing high transaction volumes. These specialized accounts allow businesses traditionally excluded from mainstream payment processing to accept credit cards and other payment methods.
Why is my business considered high-risk?
Businesses may be labeled high-risk for various reasons: operating in industries with regulatory challenges (CBD, nutraceuticals), higher chargeback ratios (subscription services, digital products), legal complexities (gaming, adult content), international operations, high average ticket sizes, or past financial issues. This classification isn't necessarily a reflection of your business practices, but rather the statistical risk factors associated with your business model or industry.
What are the typical fees for high-risk merchant accounts?
High-risk merchant accounts typically have higher processing rates than standard accounts, ranging from 2.5% to 5% plus a per-transaction fee of $0.25 to $0.50. Additional fees may include monthly account fees ($25-$100), gateway fees ($15-$25), and setup fees. CircoPay offers competitive rates tailored to your business volume and risk profile. We focus on transparent pricing with no hidden fees.
How long does it take to get approved for a high-risk merchant account?
With CircoPay, most high-risk merchant accounts are approved within 24-72 hours after all required documentation is submitted. This is significantly faster than the industry average of 1-2 weeks. Once approved, account setup and integration can be completed within 1-3 business days, allowing you to start processing payments quickly.
What industries does CircoPay specialize in for high-risk processing?
CircoPay specializes in several high-risk industries including CBD and hemp products, adult entertainment and services, online gaming and gambling, subscription-based businesses, nutraceuticals and supplements, travel and ticketing services, e-cigarettes and vaping products, firearms and ammunition, debt collection and credit repair, and multi-level marketing companies. Our expertise extends to many other industries traditionally labeled as high-risk.
Do you require a rolling reserve for high-risk merchant accounts?
Rolling reserves are sometimes required for high-risk merchant accounts as a security measure. The specific terms depend on your business model, processing history, and risk profile. CircoPay works to minimize reserve requirements whenever possible. When required, reserves typically range from 5-10% of your processing volume held for 90-180 days. As you establish processing history, we can often reduce or eliminate these requirements.
Ready to start accepting payments?
Get approved for a high-risk merchant account in as little as 24 hours.
- Fast approvals within 24-72 hours
- Competitive rates for high-risk merchants
- Advanced fraud protection included
- Dedicated account manager
"CircoPay made it possible for us to accept credit cards when no one else would. Their rates are fair and the service is outstanding."
Robert Johnson, CEO, Premium Vapes
Partner with the high-risk payment experts
Let us handle your payment processing so you can focus on growing your business
CircoPay has helped over 500 high-risk merchants secure reliable payment processing. Our industry expertise, high approval rates, and specialized solutions ensure your business can accept payments safely and efficiently.
Trusted by 500+ merchants across high-risk industries