High-risk merchant accounts, underwritten in-house.
CBD, firearms, supplements, travel, vape and more. In-house underwriting, specialist banking partners, and every rate and term in writing before you sign. No contract, ever.
- 18 high-risk industries
- Chargeback help included
- Free terminal
SPECIALIST APPLICATION
PREVIEW
INDUSTRYCBD & HEMP
RISK TIERHIGH
UNDERWRITINGIN-HOUSE
BANKSPECIALIST PARTNER
TERMSIN WRITING
CONTRACTNONE
UNDERWRITING WILL ASK FOR
The industries other processors turn away.
If yours is on this list, you're exactly who we built high-risk underwriting for. Not listed? Ask us anyway.
CBD & hemp
Banking partners that work with hemp-derived products.
Supplements & nutraceuticals
Subscriptions and trial offers, underwritten carefully.
Firearms & ammunition
Gun stores, ranges and online sales.
Tobacco & cigars
Lounges, shops and online sales.
Alcohol & spirits
Liquor stores, breweries and licensed online sales.
Adult products
Discreet billing descriptors for retail and online stores.
Online dating
Memberships with chargeback tools built in.
Bail bonds
Payments by phone at any hour.
Debt collection
Payment portals and phone payments for agencies.
Credit repair & debt relief
Billing set up around the rules your industry follows.
Tech support
Remote services billed by phone or online.
Telemedicine
Virtual visits and memberships paid online.
Direct sales & MLM
Distributor and customer payments at scale.
Fantasy sports
Entry fees where your state allows them.
Jet charter
Very large single transactions, handled with planning.
Pawn shops
Loans, layaway and retail on one account.
High-ticket coaching
Programs sold online, including installment plans.
Also underwriting medium-risk businesses such as subscriptions, travel agencies and online stores. See all 56 industries.
Why other processors say no, and why we don't.
High risk is about how card sales behave in your industry, not about you. We price and underwrite for that honestly.
Why banks call an industry high risk
- Higher chargeback and refund rates across the industry
- Products that are regulated or age-restricted
- Customers paying weeks or months before delivery
- Subscriptions, free trials and recurring billing
- Card brand rules that require extra monitoring
What you get as a Swipe Saver member
- Underwriting by our own team, with a reason behind every decision
- Banking partners that choose to work with high-risk industries
- Rates, any reserve and its release schedule in writing before you sign
- Chargeback alerts and help responding when a customer disputes
- A dedicated specialist with a direct line
- Month to month, with no cancellation fee
Built to keep your account open.
Approval is the start. These are the tools that keep a high-risk account healthy month after month.
- Chargeback alerts
- Hear about a dispute early, often in time to refund before it becomes a chargeback on your record.
- Clear billing descriptors
- Customers recognise the charge on their statement, which heads off "I don't know what this is" disputes.
- Fraud screening
- Address and security code checks, velocity limits and country rules, tuned to your industry.
- Policy review
- We read your refund, shipping and cancellation terms the way an underwriter will, and tell you what to fix first.
From application to first sale.
Most high-risk files are decided within a few business days to two weeks, depending on your industry and documents.
Apply in three steps
Tell us about your business and what you process today. It takes a few minutes.
Send your documents
Your specialist sends one clear list for your industry, so there's no back and forth.
Specialist underwriting
We match your file to the banking partner best suited to your industry and volume.
Terms in writing
You see rates, any reserve and the release schedule before you sign anything.
Go live
Terminal, online checkout or both, set up with you, plus a specialist on the phone.
High-risk questions.
Straight answers. All questions
What makes a business high risk?
Banks look at chargeback and refund rates, how far ahead customers pay, how regulated the industry is and how the product is sold. CBD, firearms, nutraceuticals, travel and subscriptions are common examples. It's about your industry's pattern, not about you.
Will I need a reserve?
Sometimes. Some banks hold a small percentage of sales for a set period as protection against chargebacks. If yours does, you'll see the amount and the release schedule in writing before you sign.
Does high-risk processing cost more?
Usually a little, because the banks that take on more risk charge more for it. You still get a flat membership and no junk fees, and every rate and term is in writing before you sign.
How long does approval take?
Plan on a few business days to two weeks, depending on your industry and how complete your documents are. Your specialist tells you right away if anything is missing.
Another processor declined or closed my account. Can you help?
Often, yes. Tell us what happened. Specialist banks look at the reason and your history, and some consider businesses other processors turned away. We'll tell you honestly where you stand.
What documents do I need?
Business and owner details, a voided check, three to six months of processing statements if you have them, a website with clear refund and shipping policies, and any licenses or lab reports your industry requires.
Turned down somewhere else? Talk to us.
Tell us what happened. A specialist reviews it and tells you honestly where you stand, usually within one business day.