High-risk payment processing for great merchantsBook a Call >
Are you really getting the best rate?
Just because you're labeled “high risk” doesn't mean you should be overcharged and under-served. There's no public benchmark for high-risk pricing, and your processor is fine with that. Give us 15 minutes and we'll tell you what you should be paying.
No pressure, no credit pull, no obligation. Your statement isn't shared with anyone, and we're happy to sign your NDA.
Raffaele, co-founder. 30 seconds on why you're probably overpaying and how we can help.
Full transparency
We specialize in high risk
Free analysis
No obligation
Multiple acquiring banks
Full transparency
We specialize in high risk
Free analysis
No obligation
Multiple acquiring banks
Sound familiar?
You've lived through at least two of these
None of them are your fault. Most of them are fixable.
No math, just a number
Your price was set by your category, not your actual business.
You're paying an inflated rate built for the worst merchant in your vertical, and nobody has ever shown you the math that justifies the difference.
No warning, no human to call
The account closed on a Tuesday.
One email, no phone number, no human. Funds held 180 days. You rebuilt checkout over a weekend and told yourself never again. Then it happened again eighteen months later at a different processor.
Your money, working for them
The "temporary" rolling reserve.
Ten percent, 180 days, put in place while they evaluated you. That was two years ago. Nobody has revisited it and nobody will unless you make them. It's your working capital sitting on someone else's balance sheet.
The label became the excuse
Nobody has looked at your account since the day it opened.
High-risk pricing is supposed to come down as you prove out. For most merchants, it never does, because lowering it doesn't benefit your processor.
Real buyers, turned away
You're turning away real buyers.
High-risk merchants often sit at 55 to 65 percent approval rates and assume that's just the category. Usually a chunk of that gap is routing, descriptor history, and issuer relationships, not fraud. Those are real customers being declined for no reason.
New rules, and most merchants have never heard the name
You're paying for other merchants' fraud.
Most merchants have never been told which portfolio they're in. Under VAMP, Visa grades your processor's entire portfolio, not just your account. When other merchants in your bucket run hot on disputes, the fees, the tighter rules and the deeper reserves trickle down to you. Which portfolio you sit in matters.
Ready to see what you should be paying?
1 hour
usual statement review turnaround
75-85%
approval rate range merchants land in after they move
If you're on this list, we already know which banks will write your vertical into the agreement, what your descriptors should look like, and what a normal approval rate is for you. You won't spend the first ten minutes of a call explaining your own industry.
Why merchants trust us with this
We run one of these businesses too
Ken, co-founder
My co-founder runs an 8 figure DTC brand
in a restricted category. We know your pain points firsthand.
We place you, we don't push you.
We hold relationships with multiple high-risk processors and banks. You get placed at the bank best equipped to serve your business for the long term, not the one that pays us the most.
Numbers first, always.
Every claim we make shows up in writing with the math behind it. If we can't beat your current rate significantly, we say so up front.
A human answers.
You will never file a ticket to reach the person who handles your money.
Ready to find out?
One 15-minute call and you'll know where you stand.
