What we are buildingOur mission
What Structure Payments is for, what we hold ourselves to, and what we are committed to delivering.
Why we exist
Empowering businesses others decline.
We exist because too many legitimate businesses get told no. Banks decline entire industries by policy, and nobody tells the owner where to go instead. We underwrite the businesses others turn away — firearms, CBD, vape, nutraceuticals, coaching and a dozen more — and get them processing, usually in about 48 hours.
- Approve
- Underwrite
- Protect
- Support
- Deliver
What we commit to: Keep every merchant we approve processing without interruption.
“If you have a chance of getting a merchant account, we give you the best chance of getting it.”
Our values, lived
How we operate every day.
We give you a straight answer, including when it isn't the one you wanted. We underwrite your business individually instead of dropping you onto a shared account that can be frozen without warning. We answer the phone. And we tell you what something costs before you sign it.
- Straight answers
- Real underwriting
- Speed
- Transparency
- Accountability
What we commit to: Publish our pricing and contract terms in plain language.
“We would rather lose the sale than surprise you after it.”
Where we're going
Our long-range vision for the future.
We want a market where a legitimate business is judged on how it operates, not on the category a bank filed it under. Our aim is to be the processor North American high-risk merchants are sent to when everyone else has said no — across more industries, with underwriting that keeps getting faster.
- Accessible
- Fair
- Fast
- North American
- Independent
What we commit to: Add 5 new specialized high-risk industries to our supported verticals by March 2028.
“Every legitimate business deserves a way to get paid.”
This year
Key commitments for 2026-2027.
This year we are making approval faster and the process clearer. That means cutting the time from application to live processing, adding integrations so you can plug us into what you already sell on, and publishing what things actually cost instead of making you ask.
- Speed
- Efficiency
- Support
- Reliability
- Growth
What we commit to: Reduce average time from application to live processing to 36 hours by June 2027, and integrate with 3 new major e-commerce platforms by March 2027.
“Faster approvals, and no surprises in the paperwork.”
Our people
Celebrating our team and community.
Structure is small on purpose. Patrick has been in card processing since 1999, Truman has spent a decade placing high-risk accounts, and when you call you get one of us or someone who reports to us — not a queue. That is the whole advantage.
- Experience
- Accountability
- Access
- Judgment
- Service
What we commit to: You reach a decision-maker, not a support tier.
“If something goes wrong, one person owns it until it's fixed.”
Our impact
Real results, empowering real businesses.
Most complete applications are approved in about 48 hours. Two-day funding is standard and established merchants move to next-day. We do not charge a PCI fee. When we have results and merchants willing to be named, they go here — not before.
- Results
- Transparency
- Growth
- Trust
- Reliability
What we commit to: Publish only results we can substantiate.
“We would rather show you three real numbers than twelve impressive ones.”
