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High Risk Merchant Account Solutions

98% Approval Rate | 24-48 Hour Setup

Tired of being rejected by payment processors? You’ve found your solution. As the #1 rated high-risk merchant account provider, we’ve helped over 10,000 businesses process $2+ billion annually. Our 98% approval rate and deep industry expertise mean you can start processing payments within 24-48 hours, even if other providers have turned you down. Plus, our dedicated account managers ensure your business keeps processing without interruption.

  • Dedicated Account Managers
  • Years High-Risk Experience
  • Fast and Easy Application Process
  • Recurring Billing Options
  • 20+ Financial Partners
  • Chargeback Mitigation

We Approve

high-risk-merchant-account

Trusted by 10,000+ High-Risk Businesses

Since 2011, we’ve become the most trusted name in high-risk payment processing. Our merchants process over $2 billion annually because we deliver what others can’t: guaranteed approvals, industry-leading support, and long-term stability. Whether you’re in e-commerce, CBD, gaming, or any high-risk industry, we have pre-approved solutions ready for your business. With a 98% approval rate and 15+ banking partners, we’ll get you processing even if you’ve been rejected elsewhere.

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How to Get Your High Risk Merchant Account

Simple, Transparent Process – No Hidden Requirements

1. Fast-Track Application

Complete our streamlined application in just 10 minutes. We’ve eliminated unnecessary paperwork and complex forms. You’ll know exactly what’s needed upfront, and our team pre-reviews everything to ensure quick approval. Most merchants get approved within 24 hours of submitting their application.

2. Expert Document Review

Our approval specialists handle the heavy lifting. We’ll help gather and review your documents before submission, ensuring nothing delays your approval. Our relationships with 15+ banks means we know exactly what they need to see. This insider knowledge leads to our 98% approval rate.

3. Guaranteed Approval

Our 15+ banking partnerships mean we can approve businesses that others reject. We know how to present your application to highlight your strengths. Even if you have processing history issues or past challenges, we have solutions. You’ll get live updates as we secure your approval.

4. Same-Day Processing

Start processing payments within 24 hours of approval. Our team handles all technical setup and testing to ensure smooth operations from day one. You get a dedicated account manager who knows your business and industry. Plus, 24/7 support ensures you never miss a transaction.

Why You Need a Specialized High Risk Merchant Account

Traditional payment processors often don’t understand high-risk businesses. They apply one-size-fits-all rules that don’t work for your industry. We specialize in high-risk processing because we know these businesses need unique solutions. Our team has deep experience in regulatory compliance, risk management, and industry-specific challenges. This expertise means we can help you navigate common issues and find sustainable solutions.

Real Benefits That Matter to Your Business

Stop worrying about payment processing and focus on growing your business. Our solutions include practical benefits like chargeback prevention tools, fraud detection systems, and recurring billing options. We offer competitive rates despite high-risk classification, and we’re transparent about all fees upfront. Plus, you get a dedicated account manager who understands your industry and is available when you need help.

Industries We Support with Real Solutions

We provide specialized merchant accounts for businesses in:
  • Online gaming and gambling - Including fantasy sports and betting platforms
  • Adult entertainment - Full compliance with regulations and privacy requirements
  • CBD and cannabis products - Navigate complex banking relationships
  • Travel and timeshares - Protection against seasonal fluctuations
  • Subscription services - Reliable recurring billing solutions
  • Nutraceuticals and supplements - FDA compliance support
  • Tech support and telemarketing - Chargeback prevention tools
  • Tech support and telemarketing - Chargeback prevention tools
  • E-cigarettes and vaping - Industry-specific risk management
  • Firearms and ammunition - Specialized processing solutions
  • Firearms and ammunition - Specialized processing solutions
  • Fantasy sports betting - Real-time transaction processing
  • Online dating services - Fraud prevention tools
  • Cryptocurrency services - Secure payment integration
  • High-ticket coaching - Subscription management
  • Forex trading - Compliance and security measures

Solutions Tailored to Your Specific Needs

Every business is unique, and we treat yours that way. We take time to understand your specific challenges, whether it’s high ticket sizes, recurring billing needs, or chargeback concerns. Our solutions adapt to your business model, not the other way around. We provide the tools and support you need to process payments reliably and grow your business with confidence.

Our Services

High-Risk Merchant Accounts

20+ Proven Bank Relationships
Medium/High Risk Accounts
Fast Firearms Account Approval
Large Merchant Case Studies
E-Commerce and Retail Firearms
B2B Firearms Vendors Supported

Multiple Payment Solutions

Multiple E-Commerce Gateway
Chargeback Prevention
ACHl
E-Check
Credit Cards
B2B-Level II/III Data Discounts
3D Secure Frictionless Checkout
Mobile Payment
EMV Readers

Compatibility & Support

Gateway Recurring Billing
Vault
E-Commerce Cart Plugins
Developer API / Docs
POS/Terminals
Scalable Merchant Accounts
Dedicated Account Managers

Real Support for Your Business Growth

Payment processing shouldn’t limit your business potential. We provide the tools and support you need to grow, including volume increases as your business expands, multiple merchant accounts for stability, and advanced fraud protection. Our team stays current with industry regulations and trends, helping you adapt to changes while maintaining reliable payment processing.

Clear Benefits You Can Count On

We believe in being transparent about what you get. Our merchant accounts include: specialized underwriting that understands your industry, proven fraud protection tools that actually work, flexible payment options including recurring billing, 24/7 support from people who know your business, competitive rates with no hidden fees, and multiple account options for business stability. You also get easy integration with major e-commerce platforms, detailed reporting tools, and scalable solutions that grow with you.

Technology That Makes a Difference

Our solutions include practical features that help your business succeed: AI-powered fraud detection that reduces false positives, real-time transaction monitoring to spot issues early, customizable risk settings that match your business needs, and automated chargeback prevention tools that work. We also provide reliable recurring billing, detailed analytics you can actually use, mobile payment options, and secure integration with your existing systems.

High Risk vs. Traditional Merchant Accounts: Real Differences

Understand exactly what makes high-risk merchant accounts different and why they might be better for your business.

Feature

High Risk Merchant Account

Traditional Merchant Account

Approval Process

Specialized underwriting that understands your industry, higher approval chances

Standard process that often automatically rejects high-risk businesses

Processing Fees

Transparent pricing based on your actual risk level and volume

Low advertised rates that can increase dramatically with any issues

Chargeback Protection

Proactive tools and support to prevent and fight chargebacks

Basic protection with extra fees for additional services

Volume Caps

Flexible limits that grow with your business

Strict caps that can suddenly limit your processing

Industry Knowledge

Deep understanding of your specific industry challenges

General approach that doesn't consider industry specifics

Multiple Accounts

Options for multiple accounts to ensure business continuity

Usually limited to one account, increasing risk

Contract Terms

Flexible terms that consider industry cycles and needs

Rigid terms with harsh penalties for violations

Support Level

Dedicated team that understands your business model

General support without industry expertise

Payment Gateway

Advanced features designed for high-risk processing

Basic features that may not meet your needs

Common Questions About High Risk Merchant Accounts

What exactly makes a business 'high-risk'?
A business is typically considered high-risk due to specific factors: higher than average chargeback rates (usually above 1%), operating in regulated industries like CBD or gambling, selling high-ticket items ($500+), or offering future services like travel packages. This classification isn’t always about business stability – many successful, legitimate businesses are considered high-risk simply due to their industry or business model.
A specialized account provides stability and appropriate tools for your business type. Regular merchant accounts often shut down high-risk businesses abruptly or freeze funds when they see patterns normal for your industry. Specialized accounts understand these patterns and provide proper support. For example, if you’re in subscription services, you need recurring billing tools and chargeback prevention features that regular accounts typically don’t offer.

While rates are typically higher than traditional merchant accounts, we’re transparent about all fees. Expect processing rates between 2.9% to 4.5% depending on your industry and volume. Monthly fees range from $25-$75, and there may be a setup fee between $100-$300. We provide detailed quotes upfront, and there are no hidden fees or surprise charges. Higher volumes can qualify for better rates.

Most applications are processed within 3-7 business days. The exact timeline depends on your documentation and business type. We can often expedite approvals to 24-48 hours if you have all required documents ready. These typically include: 3 months of bank statements, valid ID, processing history (if available), and basic business documentation. We’ll guide you through exactly what’s needed.

Yes, we regularly work with businesses that have credit challenges. We look at your overall business health, not just credit scores. Key factors include: monthly revenue, time in business, and business model stability. We’ve helped many businesses with past credit issues get approved by focusing on their current business strength and future potential.
Our accounts support all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, ACH transfers, and digital wallets like Apple Pay and Google Pay. We also offer specialized solutions for recurring billing and subscription payments. Each account is configured based on your specific business needs and customer payment preferences.
We provide a comprehensive chargeback management system: real-time alerts so you can resolve disputes before they become chargebacks, automated response tools with proven response templates, detailed transaction monitoring to identify potential issues early, and best practice guidance specific to your industry. Our merchants typically see a 20-40% reduction in chargebacks after implementing our tools.
Currently, we focus on domestic (U.S.) transactions to ensure the most stable processing environment for our merchants. This specialization allows us to provide better rates and more reliable service. If you need international processing, we can recommend trusted partners who specialize in that area.
We implement multiple layers of security: PCI DSS Level 1 compliance, end-to-end encryption for all transactions, tokenization of sensitive data, AI-powered fraud detection that adapts to your business patterns, and customizable security rules. We also provide regular security updates and training to help your team maintain a secure processing environment.

We’re committed to growing with your business. This includes: regular processing volume reviews to increase limits as needed, additional merchant accounts to spread risk and increase stability, detailed analytics to help you understand and improve your processing patterns, and ongoing consultation to optimize your payment operations. Your dedicated account manager will help you plan for growth and adjust your solutions as needed.

Get Your High-Risk Merchant Account in 24-48 Hours

Join over 10,000 successful businesses who trust Crazy Merchant. With our 98% approval rate and specialized solutions, you can start processing payments within 24-48 hours. Whether you’ve been rejected elsewhere or are just starting out, our team of experts will get you approved. Take the first step today and experience why we’re the #1 rated high-risk merchant account provider.

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