Merchant accounts for every industry, including the ones others turn down.
We underwrite low, medium and high-risk businesses in-house, with banking partners that work with each tier. Find your industry to see how it's handled.
UNDERWRITING
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What the risk tier means for you.
The tier is about how card sales behave in your industry: chargebacks, refunds and how far ahead customers pay. It changes the paperwork, and for high risk the bank's terms, which you see in writing before you sign.
Low risk
Customers pay and receive goods or services on the spot. Standard underwriting, usually decided within a few business days.
Low-risk industriesMedium risk
Online sales, recurring billing or services delivered later. We review processing history, refund policies and your website.
Medium-risk industriesHigh risk
Industries many processors decline outright. Specialist banking partners, with a reserve or rolling hold when the bank requires one, explained before you sign.
High-risk industries How high-risk accounts workLow risk
Most storefronts, restaurants and service businesses. Standard underwriting, usually decided within a few business days.
20 industries
Retail stores
Countertop and tap-to-pay at the register, with a POS your staff already knows.
Restaurants & bars
Tips, tabs and split checks on terminals that work tableside.
Coffee shops & bakeries
Quick tap-to-pay for small tickets and long morning lines.
Salons & barbershops
Chair-side payments and tips, with booking-friendly POS.
Gyms & fitness studios
Memberships on recurring billing, plus front-desk retail.
Medical practices
Copays at the front desk and saved cards for balances.
Dental & veterinary
Treatment plans and follow-up visits on saved cards.
Auto repair
Large tickets at the counter, approvals by phone.
Auto parts
Counter sales, phone orders and fleet accounts.
Contractors & home services
Deposits and final invoices from the job site or by text.
Cleaning services
Recurring visits billed automatically after each job.
Moving companies
Deposits by phone, balances on moving day.
Hotels & lodging
Authorizations at check-in and settlement at check-out.
Parking
Tap-to-pay at the gate and attended booths.
Pet supplies & grooming
Retail and appointments on one account.
Apparel & accessories
In-store and online sales settled together.
Furniture & home goods
High tickets, delivery deposits and special orders.
Nonprofits
Donations online, at events and on recurring billing.
B2B & wholesale
Level 2 and 3 invoice data that can lower interchange on business cards.
Professional services
Retainers and invoices paid by card or ACH.
Medium risk
Card-not-present sales, future delivery or recurring billing. A specialty underwriter reviews processing history and policies.
18 industries
Online stores
Hosted checkout and cart integrations with fraud screening.
Subscription businesses
Recurring billing built for monthly subscribers.
Drop shipping
An underwriter who expects longer delivery windows.
Travel agencies
Bookings taken weeks or months before travel.
Tour operators
Deposits for future-dated tours and excursions.
Event ticketing
Future-dated sales and busy on-sale days.
Property management
Rent by ACH or card through a tenant portal.
Real estate services
Fees and deposits collected by ACH or card.
Law firms
Retainers with operating and trust deposits kept separate.
Accounting & tax prep
Seasonal volume planned with your underwriter up front.
Document preparation
Online orders for filings and notary services.
Courses & seminars
Tuition and events, including installment plans.
Insurance agencies
Premiums and down payments by card or ACH.
Electronics retail
High-ticket sales with added fraud screening.
Collectibles
Auctions, online drops and high-value items.
Outdoor & hunting gear
Retail and online sales in regulated categories.
Smoke & vape shops
Age-restricted retail with compliant setups.
SaaS & software
Subscriptions, usage billing and annual plans.
High risk
Industries many processors decline outright. Specialist banking partners, with reserves or rolling holds where the bank requires them.
18 industries
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.
What underwriting asks for.
Have these ready and most applications move quickly. Your specialist tells you exactly what's still needed.
- Business details: legal name, address, tax ID and how long you've been operating
- The owner's government ID
- A voided check or bank letter for deposits
- Three to six months of processing statements, if you've processed before
- For online sales: a live website with refund, shipping and privacy policies
- For high-risk industries: licenses, supplier details or lab reports where your industry requires them
What grade does your processor get?
Four quick questions you can answer from memory. You get a letter grade, what you're overpaying each month and a written quote if you want one. No statement needed.