High Risk Merchant Account


A High Risk Merchant Account Is In Reach with Payline

For most high risk businesses, getting approved for a high risk merchant account with traditional processors can be frustrating and headache-inducing.  Payline gives your business access to their diverse portfolio of banking relationships to ensure we get your account placed.  Hard-to-place is now a thing of the past.


High Risk Pricing Starting at

Interchange + 1.5%


Apply Now For A High Risk Merchant Account

Unique Solutions For
Your Unique Business

For most traditional retailers, getting a merchant account can be as simple as calling the first processor you find.  For non-traditional businesses selling riskier products or offering what banks consider “illegitimate” or taboo services, a high risk merchant account is much harder to come by.

Payline takes the time and care to understand and accommodate the unique needs of the high risk merchants and industries that we work with.  We’ll help your business get approved for a high risk merchant account, maintain that account, and help you begin to grow.

Apply Now For A High Risk Merchant Account

A High Risk Partner You Can Trust

Quick Application

Payline offers a simple, painless application to help our high risk experts create a custom solution for your business.

Industry Experience

High risk redit card processing is complicated, but Payline makes it easy. We leverage our 20+ banking partnerships to get you a merchant account that lasts.

Dedicated Support Team

The high risk world is tricky, but we have done our homework. We take the time and care to walk you through your options and make sure the solution you choose is the perfect fit.

What to Expect If You Require High Risk Processing

You’ve been told that your business requires high risk processing.  Now what?  Learn about what the expectations should be for both you and the processor you choose.

Learn More

High Risk Processing: What You Need to Know About Your Business

If you’re looking for high risk business processing it’s important to understand WHY you need it.  We’re here to help with that.

Learn More

Chargebacks: What You Can Do to Prevent Those Pesky Charges

Chargebacks are the primary reason a business is deemed “high risk” or “hard-to-place”.  Check out some quick tips on how to prevent those pesky chargebacks.

Learn More

Understanding the Pitfalls of High Risk Credit Card Processing

The world of high risk credit card processing can be complicated, but finding the right payments partner can make the high risk merchant account process much easier for your business.

Learn More

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Diversify Your High Risk Merchant Account

For businesses that offer subscription-based products and services or need to offer recurring payments for their customers, ACH offers a more seamless, secure solution than credit cards.  Whether you’re looking for lower transaction fees, faster payment, or convenience for both you and your customers, Payline’s ACH platform offers simple but effective ways to put your payments on autopilot.


Keep Your Chargebacks Under Control

Excessive chargebacks can derail your processing before you even have a chance to get started.  Payline’s robust, chargeback prevention platform monitors your merchant account in real-time to help you battle chargebacks and win back more revenue.

Our automated, intelligent chargeback representment and CRM integration allow us to do the dirty work so you can focus on growing your business.

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Don’t Get Left In the Dark

While factors such as poor business or personal credit, excessive chargebacks, MATCH list, and irregular or large transaction amounts can make it difficult to find a payment solution, most businesses are classified as high risk due to their industry or products and services they offer.

Most traditional processors and banks believe these business types have a high rate of failure and generally shy away from offering them a merchant account.   Payline takes on the risk that other processors won’t so you can worry about more important things – growing your business.

Some of the High Risk
Industries Payline Supports

  • Adult
  • Auto Parts & Accessories
  • Collections
  • Credit Repair
  • Diet & Weight Loss Programs
  • E-cigarettes/Vaping/Tobacco
  • Electronics (online)
  • Extended Warranties
  • Fantasy Sports
  • Financial Services
  • Firearms, Ammo, & Accessories
  • Furniture Sales (online)
  • Free Trials, Multi-level Marketing
  • Nutraceuticals/Herbal Supplements
  • Online Gaming & Casinos
  • Precious Metals, Coins
  • Self Storage
  • Vacation/Travel/Flights

Payline uses various banks depending upon the industry and they do not board high-risk industries with Wells Fargo.

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Seamless Integration Options

Maintaining a seamless checkout experience for your customers is not only important for business, but also for your security. Payline’s high risk payment gateway options provide 175+ Online Shopping Cart Integrations for pain-free connectivity with most online shopping cart providers.  For businesses looking for a more flexible gateway solution, our developer-friendly APIs give you full customization and control over accepting payments.

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Choose A Gateway That Fits Your Needs

Because high risk businesses come in all shapes and sizes, Payline offers 2 gateway solutions – NMI and Authorize.net.  Some of the benefits include:

  • Network Merchants Inc. (NMI) – With their load balancing feature, manage multiple merchant accounts through one gateway and automatically route transactions to specific accounts.
  • Authorize.net – Authorize.net is the largest, most popular gateway in the industry.  In addition to their list of quality, user-friendly features, they offer numerous integration options for easy set-up.
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Payline Data Services LLC is a registered ISO for Fifth Third Bank, N.A. Cincinnati, OH, USA
Payline Data Services, LLC is an ISO of Wells Fargo Bank N.A., Concord, CA