High Risk Pay

High Risk Pay: Merchant Accounts and Payment Gateway for High-Risk Businesses

High Risk Pay is a U.S.–focused provider that sets up high-risk merchant accounts and payment gateways for industries many traditional processors will not board. Their pitch is simple: fast approvals, broad industry coverage, and tools to help you accept cards and ACH with fewer chargebacks. On its site, High Risk Pay advertises a 99 percent approval rate, 24 to 48 hour decisions, next-day funding, no application or setup fees, and no long-term contract.

At a glance

• What it is: High-risk merchant account provider with eCommerce, in-store, mobile, phone, and ACH acceptance options.

• Who it serves: Adult, CBD, nutraceuticals, firearms, sportsbooks, credit repair, subscription boxes and other subscription services, dropshipping, ticket brokers, travel, tech support, startups, and more.

• Speed and terms: 24 to 48 hour approval timeline, next-day funding is marketed, and no application, setup, or contract fees.

• Risk support: Dedicated chargeback prevention program with alerts, fraud identification, automated representment, decline monitoring, and integrations that work alongside your current stack.

• Pricing signals: Public rates page shows examples starting as low as 1.79 percent for retail good credit plus 0.25 dollars per transaction and 9.95 dollars monthly. High-risk and adult categories list 2.95 percent, with the same per-transaction and monthly fees in most cases.

Company Snapshot

High Risk Pay highlights roots in the card industry dating back to 1997, a U.S. headquarters in Ladera Ranch, California, and 24/7 live customer support. The company positions itself as a long-standing alternative to aggregators that can freeze accounts for unusual activity and to traditional acquirers that avoid higher-risk verticals. Upon approval, you can begin taking payments within 24 to 48 hours.

Core Products and Capabilities

1) High-risk merchant accounts

High Risk Pay underwrites businesses that many processors decline. The site repeatedly emphasizes a 99 percent approval rate, approvals in 24 to 48 hours, and acceptance regardless of personal credit history. Funds are typically deposited directly to your checking account, with the FAQ noting availability within two business days for regular accounts and possible longer timing for high-risk accounts. A U.S. business checking account is required to receive settlements.

Where you can take payments

• On your website: eCommerce merchant accounts and an online payment gateway to authorize cards in real time.

• In-store: card readers and POS hardware for swipe, chip, and tap.

• On mobile: mobile acceptance options referenced in the site’s channel coverage.

• By phone or mail: a browser-based virtual terminal for key-entered transactions and remote billing.

2) ACH and eCheck processing

For high-risk models where card costs run high, ACH can lower acceptance costs and speed up billing for subscriptions and higher-ticket sales. High Risk Pay describes ACH as typically reaching your account in 24 to 48 hours and highlights fixed per-transaction fees rather than percentage-based pricing.

3) Chargeback prevention and management

High Risk Pay markets a bundled program aimed at reducing disputes and improving win rates. The package includes:

• Real-time alerts so you can refund, reach out, or supply proof before a dispute becomes a chargeback.

• Fraud identification for risky accounts and affiliates.

• Automated contesting that assembles and submits representments.

• Decline monitoring to recover revenue from failed recurring or rejected transactions.

• Works with existing systems and uses two leading mitigation platforms with no redundant fees. Pricing is presented as a small monthly charge plus a fee per alert and no setup fee.

4) High-volume merchant accounts

If you are scaling quickly or regularly process larger tickets, High Risk Pay offers a dedicated high-volume program. The site specifies that eligibility typically starts at 100,000 dollars per month in processing, outlines the underwriting documents you will be asked for, and explains how volume caps can increase over time with healthy processing.

Industries and Use Cases

High Risk Pay lists extensive vertical coverage. Examples include: adult content and retail, CBD and tobacco, nutraceuticals and supplements, firearms, dating and tech support, ticket brokers and sports betting, travel, credit repair and debt collection, nonprofits, dropshipping, subscription boxes, SaaS, and general eCommerce. The company markets approvals even for startups and for owners with past credit challenges.

Funding Timelines

High Risk Pay advertises next-day funding on its homepage. Its FAQ notes funds are usually available within two business days for regular merchant accounts and cautions that high-risk accounts can experience longer waits depending on risk and processor policies. Taken together, merchants should plan for 1 to 2 business days on average, with the possibility of holds or reserves in higher-risk profiles.

Security, compliance, and support

• PCI compliance: the site refers to PCI-compliant solutions within its materials for subscription models.

• Avoiding freezes: High Risk Pay argues that dedicated merchant accounts are less prone to automated freezes than aggregator accounts and may be required once volumes exceed card-network thresholds.

• Customer support: 24/7 live assistance is stated on the About page.

When High Risk Pay is a Good Fit

Choose High Risk Pay if you need a merchant account provider that actively boards high-risk verticals and you value a fast decision with published starter pricing and built-in chargeback tooling. The high-volume pathway and ACH offering are helpful for subscription businesses, higher tickets, or models where card costs are painful.

Conclusion

High Risk Pay packages underwriting flexibility, published example pricing, and practical risk controls into a single offering aimed at merchants who need a real merchant account rather than an aggregator. If your business is in a regulated or chargeback-prone category and you want fast approval, next-day style funding, ACH support, and dispute-management tools that plug into your current stack, High Risk Pay is worth shortlisting.