High-Risk Merchant Accounts

Map showing industry sales

We Build Custom High-Risk Merchant Accounts For You

If you're looking for the best high-risk merchants accounts, then Zen Payments can help you. We have over 15 years of experience working exclusively on credit card processing for high-risk merchants. More than just merchant accounts, we find gateway solutions, ACH processing, and chargeback tools for just about everyone. Whether you're facing challenges due to your industry, bad credit, or prior business history, we can get you the payment processing you need.

Get started with Zen Payments
Fill out this form and a merchant services representative will be in touch!

Get in touch: (877)-511-3402

Payment Processing

High-risk payment processing gives your company the ability to accept payments online even if you're operating in unique verticals. High-risk payment providers like Zen Payments offer specialized and sustainable accounts to keep your business transacting smoothly.

Many payment processing companies like Stripe, PayPal and Square will deny services if they see you are processing within a restricted industry. You may also be deemed a high-risk business for a few additional reasons, like your business model, transactional history or personal financial data.

When you move into a high-risk processing category, customers will not be able to purchase your product and will likely go to your competition for their needs. You need to make sure you are partnered with an experienced company. We offer stable high-risk merchant accounts to support merchants in all kinds of industries and circumstances.

What Does High-Risk
Merchant Account Mean?

A high-risk merchant account is a payment processing tool that gives unique types of businesses the ability to accept payments. Here at Zen Payments, we believe that good merchants should be able to process payments and secure a merchant account, regardless of industry. Banks and other payment processing companies might label a business high-risk for many reasons, including the following:

High-Risk Merchant
Account Industries

High-risk merchant account industries are ones that require a specialized account to accept credit payments. Listed above are reasons why a normally low-risk client could become high-risk. Any one of those can make you eligible for this custom banking solution.

Some industries are seen as high-risk because of strong regulations or being considered disreputable to the bank. When you are on the high-risk merchant list, you have to jump through more hoops to obtain an ecommerce payment solution.

Zen Payments has been helping businesses obtain merchant accounts for over 15 years and have streamlined the process for our high-risk clients. Some industries on the high-risk merchant list include:

If you are in one of these industries, having reliable, reputable payment processing is game-changing. We know the trials each of these industries face. Our in-house team has the solutions you are looking for.

High Risk Industries for mobile view

Why Zen Payments For Your High-Risk
Merchant Account Payment Processing?

Examples of the additional benefits of choosing from Zen Payments include:

We have an expansive network

We leverage a network of over 15 banks and high-risk payment processors to find the best merchant accounts for high-risk businesses. We'll work hard to find someone willing to back your company and support you for the long term, then guide you through the process.

We have high approval rates

Our sole focus is helping high-risk businesses compete in the marketplace. When others say “no,” we say “yes” with a 98% average approval rating for high-risk payment services. We'll work with you even if your credit needs some work, with regular approvals on scores as low as 500.

We have versatile solutions

With our high-risk merchant account services, you can process payments no matter how your business is structured. We offer solutions suited for e-commerce platforms, a virtual terminal for manual payment processing without a website and several different physical credit card terminal options.

High-risk does not have to be expensive

Many other payment processors charge too much for high-risk merchant services — typically because they're uncomfortable with the risk or inexperienced in supporting high-risk clients. At Zen Payments, we have been providing merchants the best rates for the last 15 years and pride ourselves on helping businesses flourish. We'll consult with you to find the best bank for you and your business.

Best Payment Gateway For

If you operate a high-risk business, we can help you set up a payment gateway that provides all the capabilities you need at a competitive price. High-risk business credit card processing solutions from Zen Payments are the fast and easy way to gain a competitive edge and position yourself for future financial growth. Talk to our team today about these and the other advanced solutions we offer to see how we can help you find your zen.

By opening a high-risk merchant account with Zen Payments, you gain access to our dependable merchant services that can help you mitigate the risks associated with running a business in a high-risk environment. We work with a network of banks that allows us to find the best fit for you and your business. Fill out an application with us and get started processing today!

Need a merchant

If you're looking for payment solutions that will positively impact your business, Zen Payments is ready to help. Get started right now by contacting us online or giving our merchant services specialists a call at 844-661-0725.

Apply Now
Get started with Zen Payments
Fill out this form and a merchant services representative will be in touch!

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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