High Risk

Bad Credit Merchant Account

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Taylor Stika
August 02, 2023


Bad credit merchant accounts are custom built for people and companies who may have lower credit scores. Traditional merchant account providers often shy away from businesses with less-than-stellar credit scores, deeming them “high-risk”. Nonetheless, there are many great solutions for companies that have low or unestablished credit.

In this article, we will delve into the world of bad credit merchant accounts, shedding light on the challenges faced by businesses with poor credit and exploring the opportunities that still exist to unlock the gateway to payment processing success.

How To Get A Merchant Account With Bad Credit

A bad credit history can be a formidable obstacle for businesses seeking to establish merchant accounts. Traditional financial institutions tend to perceive merchants with low credit scores as riskier clients, and consequently, they may impose higher fees or outright deny merchant account applications. This limitation can hinder businesses from accessing the full spectrum of payment processing services, impeding their growth and financial stability.

Bad Credit Merchant Account Providers

Despite the challenges, there is hope for businesses with less-than-ideal credit scores. The rise of alternative payment processors and specialized bad credit merchant account providers offers a glimmer of opportunity.

These providers are more willing to work with merchants with bad credit and are adept at assessing risk factors beyond credit scores alone. By understanding a business's financial history, sales volume, and industry, they can offer tailored solutions that allow merchants to navigate the waters of payment processing successfully.

Benefits of Bad Credit Merchant Accounts

1. Increased Business Opportunity: Access to a bad credit merchant account opens doors for businesses that would otherwise be excluded from traditional payment processing avenues. This expanded opportunity can drive growth and boost revenue.

2. Enhanced Cash Flow: With a bad credit merchant account, businesses can accept credit card payments and online transactions, which can significantly improve cash flow and expedite fund availability.

3. Rebuilding Credit: Consistent and responsible use of a bad credit merchant account can create opportunities for merchants to improve their credit scores over time, opening doors to better financial options in the future.

Instant Approval Merchant Account

Instant approval for a merchant account means finding a company with streamlined underwriting. Luckily, merchant account providers like Zen Payments have the resources you need to get approved fast.

Quick connections from application to underwriting mean your information is passed quickly through internal approval channels. Moreover, you can reach out to customer support and sales professionals who can guide you through any missing information that may hold up the process.

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High Risk Merchant Account Providers

Embracing high risk merchant account providers gives you the chance to overcome the challenges posed by bad credit. Moreover, it allows you to leverage other aspects of your business to obtain lower fees.

Custom merchant accounts for high risk businesses are the way to go if you have bad credit. More than that, by understanding the benefits and opportunities that bad credit merchant accounts can provide, businesses can chart a course towards a brighter financial future, navigating the waters of payment processing with confidence and resilience.

Get Started With
Zen Payments


Our merchant service specialists are the best in the business and will work with you from start to finish to get your account approved!

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Fill out this form and a merchant services representative will be in touch!

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Taylor Stika is the CEO and Founder of Zen Payments. With a background in the payment processing industry starting in 2015, Taylor has extensive experience in managing and optimizing payment systems. Under his leadership, Zen Payments has grown and developed into a reputable provider of high and low-risk payment.


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