High-Risk Payment Processing

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Zen Payments specializes in high risk credit card processing and has been a top merchant account provider for over 15 years. Contact us today and to learn about our same-day approvals, high risk industries, and gateway solutions.

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High Risk Industries

We offer custom merchant accounts tailored to high risk industries. Whether your business sells unique products, is prone to fraud, or has chargebacks, we have a payment processing solution for you. Zen Payments, a top high risk merchant account provider, offers industry-specific solutions to help businesses facing financial challenges due to their transaction history or industry designation.

We provide a comprehensive range of merchant services for businesses across all industries, with extensive experience in processing high risk volume nationwide. Entrust us with your high risk merchant services and leverage our vast network of 15+ direct bank and processor relationships to find the ideal long-term home for your merchant account.

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Reliable Payment Gateways

Looking for payment processing solutions for your e-commerce platform? Look no further. Our payment gateways provide a secure path for exchanging credit card information and other vital data between your website payments, your customers, and the bank.

Find Payment Gateway Solutions
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Top Ecommerce Integrations

We support all major platforms, including Shopify, WooCommerce, and Clickfunnels. We also offer virtual terminal services for companies without an active website. Discover our secure and compliant payment processing solutions today.

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Credit Card Processing

Are you searching for credit card processing solutions? We offer merchant card processor accounts for all types of businesses, including high-risk entities, with integrated systems that support major carriers. Our services include fast access to funds, a free processing terminal, and excellent transaction rates. Sign up now to capture more sales and improve your online business presence.

Apply For Credit Card Processing

Get Approved No Matter the Services or Product You Offer

Our goal is to provide merchant accounts with nearly instant approval for all high risk businesses. We are your path to online payments and are here to pave the way for your future growth. Zen Payments simplifies the onboarding process with same-day applications and custom accounts.

Same Day Funding

Zen Payments offers merchant account services that provide same-day access to collected funds, eliminating the need for overnight waiting periods. With our services, you can easily reconcile your account and manage expenses such as payroll, utilities, and vendor payments.

Account Funding

High approval rates

At Zen Payments, we believe in equal opportunities for all businesses to thrive in the marketplace. That's why we have some of the highest approval rates in the industry, with a 98% approval rate for account services, including merchants with credit scores as low as 500.

Approval Process

Connected Banking Network

Zen Payments has a broad network of over 15 banks and processing institutions, enabling us to offer optimal payment solutions for your business. We're committed to finding the right partner and securing competitive rates for card processing services that meet your long-term needs.

Our Partners


Customer reviews are a testament to Zen Payments' reputation as a company. We value customer feedback and are proud of the positive reviews we've received. Read on to see what our customers have to say and what you can expect when partnering with us for payment processing.

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Katie C.

Zen Payments has been BY FAR the most accommodating and caring merchant services group I've worked with...

Get Started With Zen Payments

Finding a high risk payment processor you can trust can be a lofty task, but Zen Payments is here to help. Our merchant services specialists are the best in the business and will work with you from start to finish to get your account approved. Contact us now to get started today.

Get started with Zen Payments
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Get in touch: (877)-511-3402

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Feel free to reach out to us with questions or for general support, available 24 hours, 7 days a week!
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