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Getting your high-risk merchant account approved is simple. Here's how our onboarding works:
High-Risk Credit Card Processing for Global Businesses
Tired of getting declined by Stripe, PayPal, or your bank? You’re not alone — and you’re in the right place.
Payfac Solutions specialises in credit card processing for high-risk merchants worldwide. Whether you’re in adult entertainment, online gaming, CBD, dating, crypto, nutraceuticals, or any other high-risk industry — we get you approved fast, with the payment infrastructure to scale.
Standard payment processors — Stripe, Square, PayPal — are not built for your business. They flag high-risk industries at the first chargeback, freeze accounts without warning, and often terminate merchants with zero notice.
Sound familiar?
That’s exactly the gap Payfac Solutions was built to fill.
We work exclusively with high-risk merchants and have structured banking relationships specifically designed to support your industry, your transaction volumes, and your risk profile.
Our global payment infrastructure is built for businesses operating in complex, regulated, or high-chargeback environments. Here’s what you get when you partner with Payfac Solutions:
Accept Visa, Mastercard, American Express, and Discover from customers in 150+ countries. Our multi-currency processing lets you charge in local currencies and settle in USD, EUR, GBP, or your preferred currency — reducing cart abandonment and increasing conversions.
We connect you with the right acquiring bank from our network of 30+ global banking partners. Unlike generic processors, we match your specific business type — adult, gaming, pharma, dating, crypto — to a bank that understands and supports it.
Chargebacks kill high-risk accounts. Our built-in chargeback prevention tools include:
Running a subscription model? Our recurring billing gateway handles automated charges, retries failed payments, and manages subscription lifecycles — all PCI-DSS compliant.
Beyond credit cards, we support:
Integrate with your existing e-commerce platform in days, not weeks. We support WooCommerce, Shopify, Magento, custom APIs, and more. A dedicated integration specialist is assigned to your account from day one.
Payfac Solutions serves merchants in industries that mainstream processors refuse. If you operate in any of the following verticals, we have a proven solution for you:
Adult Content & Entertainment
Online Gambling & Casino
Nutraceuticals, Supplements & Peptides
CBD & Cannabis Products
Dating & Social Platforms
Fantasy Sports & Sports Betting
Crypto & Digital AssetsDon’t see your industry listed? Contact us — chances are we support it.
We have pre-established relationships with acquiring banks that specifically approve high-risk businesses — giving you faster approvals and lower chances of account termination.
No setup fees buried in fine print. No surprise rate hikes after month one. We give you clear, upfront pricing before you sign anything.
Every merchant gets a named account manager — not a support ticket queue. One point of contact for questions, disputes, and growth strategy.
All transaction data is processed in a fully PCI-compliant environment with end-to-end encryption, secure vaults, and tokenisation.
Payment issues don’t follow business hours. Our support team is available around the clock to resolve any processing issues fast.
Stop losing revenue because your processor can't handle your business. Payfac Solutions has helped hundreds of high-risk merchants get approved, go live, and grow — with the payment infrastructure to support them long-term.
Free assessment. No commitment. Approvals in as little as 3 business days.
Getting your high-risk merchant account approved is simple. Here's how our onboarding works:
High-risk credit card processing refers to specialised payment solutions for businesses that mainstream processors like Stripe or PayPal refuse to support — due to their industry type, chargeback history, or regulatory environment. Industries such as adult content, online gambling, CBD, crypto, and nutraceuticals typically fall into this category. Payfac Solutions works exclusively with high-risk merchants through a network of 30+ global acquiring banks that understand and support these industries.
Mainstream processors decline or terminate high-risk merchants for several reasons: industry type, chargeback ratios exceeding 1%, high transaction volumes, or selling internationally. Unlike generic processors, Payfac Solutions evaluates your full business profile — not just your industry label — and matches you with a banking partner built for your specific risk category.
We support credit card processing in 150+ countries worldwide. Your customers can pay in their local currency while you settle in USD, EUR, GBP, or your preferred currency. Our global acquiring network makes us one of the few processors built specifically for international high-risk merchants.
Yes. Previous terminations do not automatically disqualify you. We work with merchants who have been terminated by Stripe, PayPal, Square, or their acquiring bank. Our underwriting team reviews your full processing history, chargeback resolution record, and current business model to find the right banking partner for your situation.
Most merchants receive approval within 3–7 business days. After submitting your application and KYC documents, our underwriting team works directly with our banking partners to fast-track your review. Time-sensitive businesses can discuss expedited processing with their dedicated account manager.
Fees vary based on your industry, monthly volume, chargeback history, and chosen banking partner. Typical components include a per-transaction processing rate, a monthly account fee, and optional chargeback protection fees. Some high-risk accounts also require a rolling reserve — a small percentage held temporarily as security. Payfac Solutions provides a full, transparent fee breakdown before you sign anything — no hidden charges, no surprise rate hikes.
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We understand that every business is unique, and that’s why we offer flexible and
customized
solutions to meet
your requirements.
