High-Risk Merchant Accounts

Approved where others said no.

Now approving high-risk merchants in NutraceuticalsFirearms & AmmoVape & NicotineMLM & Direct SalesCoaching & InfoTravel & HospitalitySubscriptionsTech & SaaSNutraceuticals

Structure Payments underwrites the merchants banks turn away — high chargebacks, past declines, “prohibited” industries. Proven approvals, the lowest rates, and a gateway built for high-risk. Live in about 48 hours.

  • ~48-hour approval
  • Declined-elsewhere welcome
  • Chargeback tools included
Get approved today
Fill out this form and a merchant services representative will be in touch!
Phone Number
  • ~30
    banks and processing institutions
  • Same day
    access to collected funds
  • ~48 hrs
    from application to processing
  • 24/7
    real people, not a call center
You're not the problem

Declined by your bank? That's their model, not your business.

You have probably already heard “we don't do that industry” from four or five banks, and none of them could tell you where to go instead. That is the real problem in high-risk processing: not that you can't be approved, but that almost nobody will take you and nobody points you in the right direction.

Industries like nutraceuticals, firearms, vape, travel and subscriptions get flagged for chargebacks, fraud exposure or regulation, so mainstream processors freeze and drop them. High-risk is the only thing we underwrite, and we know where these accounts actually get approved.

  • Approved after being declined elsewhere. We underwrite profiles other processors won't touch, including merchants with credit scores starting at 500.
  • High chargeback ratios, handled. Chargeback alerts and dispute tools come with the account, so a bad month doesn't end your ability to process.
  • No sudden freezes. Accounts are underwritten for your actual risk profile from day one, not re-assessed in a panic later.
~48hrs

from application to processing payments

~30
banking & processing partners
500+
credit scores considered
Same day
funding available
24/7
fraud & chargeback monitoring
High-risk merchant account card processing
Built for your vertical

High-risk is all we do — across every industry banks avoid

Underwriting, gateways, and chargeback tooling tuned to the way your industry actually sells.

Why merchants choose us

Everything a high-risk merchant actually needs

  • High approval rates

    Years of experience getting high-risk businesses approved with the major carriers. We accommodate merchants with credit scores starting at 500.

  • Fast implementation

    We've tuned high-risk onboarding to get you approved and processing in days, not weeks or months. Many merchants are live within a few days.

  • Low rates

    In-house underwriters reduce your risk profile, which lowers your rates. Merchants with us see some of the lowest rates in the industry.

  • Same-day funding

    Access collected funds the same day, with no overnight wait. Some competitors take weeks — that difference is your working capital.

  • Payment gateways

    Secure exchange of card information between banks, customers and your site, on gateways proven in high-risk verticals.

  • Ecommerce integrations

    We integrate with the major platforms — Clickfunnels, Shopify, WooCommerce and more. No website? Use our free virtual terminal.

  • 24/7 customer service

    We answer the phone when you need us. Handling your payment issues is the priority that keeps your business running.

  • ~30 banking relationships

    An extensive network of banks and processing institutions lets us match you to the right partner at a competitive rate.

Three steps to approved

From application to accepting cards — in about 48 hours

No drawn-out underwriting theatre. A real person, a real timeline, a real approval.

  1. 1APPLY

    Tell us about your business

    One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.

  2. 2UNDERWRITE

    We build your risk profile

    We match you to the right banking relationship and gateway for your industry, chargeback history and volume.

  3. APPROVED
    3GO LIVE

    Start processing payments

    Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.

Start my application →
Carts & plugins

Works with the platform you already sell on

Clickfunnels, Shopify, WooCommerce and more. No website? Use our free virtual terminal.

Supported shopping carts and ecommerce plugins including Shopify, WooCommerce and Clickfunnels
Get approved

If you can't get a merchant account, your best chance is with us.

We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.

  • No application or setup fees
  • Declined elsewhere? Still worth applying
  • A dedicated rep, not a call center
Get approved today
Fill out this form and a merchant services representative will be in touch!
Phone Number