Firearms, vape, tobacco, CBD, supplements, MLM, coaching, credit repair, debt collection, adult, gaming, precious metals, digital goods, travel, subscriptions, tech support and contracting — underwritten deliberately, not tolerated.
Six factors decide it, and none of them is a judgement about your business specifically.
Card networks expect disputes to stay under roughly 1% of transactions, and most processors act well before that. Industries where refunds are normal — supplements, coaching, subscriptions — breach it structurally rather than through any failing.
When a customer pays months before receiving the service, the bank carries the risk in between. Travel, timeshare, events and construction all sit in this category.
Firearms, vape and nicotine carry licensing, age-verification and shipping rules that vary by state. Most processors exclude the category rather than build the compliance to support it.
Rebills generate more disputes than one-off sales, and customers can win them on technicalities. Continuity models are declined on the billing pattern alone.
Some categories are excluded by blanket policy regardless of how a specific business operates — a decision made about the sector, not about you.
High-value transactions mean each dispute costs the processor more, so high-ticket coaching, travel and B2B sales attract tighter scrutiny.
Underwriting, gateways, and chargeback tooling tuned to the way your industry actually sells.
Supplements, subscriptions, and free-trial models.
Learn more →FFL dealers, ranges, and online 2A retailers.
Learn more →E-liquid, devices, and age-verified checkout.
Learn more →CBD, hemp, and cannabinoid products, online or retail.
Learn more →Distributor networks and recurring commissions.
Learn more →High-ticket programs, courses, and memberships.
Learn more →Credit repair, debt relief, and financial services.
Learn more →Agencies, tours, and future-delivery bookings.
Learn more →Rebills, trials, and continuity billing at scale.
Learn more →Software, remote support, and warranty plans.
Learn more →Deposits, progress payments, and on-site card acceptance.
Learn more →Adult content, cam, and dating platforms.
Learn more →iGaming, betting, casinos, and fantasy sports.
Learn more →Gold, silver, bullion, and coin dealers.
Learn more →Software, downloads, e-books, and virtual goods.
Learn more →Cigars, pipe tobacco, and tobacco retail.
Learn more →Collection agencies, debt buyers, and recovery firms.
Learn more →If a bank called you “too risky,” we want to talk.
See all industries →No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
A combination of industry category, chargeback exposure, billing model and regulatory complexity. Common high-risk verticals include firearms, vape and nicotine, nutraceuticals, MLM, coaching, travel, subscriptions, tech support and contracting.
Very likely. The listed verticals are where we do the most volume, not the limit of what we underwrite. If a processor has declined you or closed your account, it is worth asking.
Most merchants are approved and processing within about 48 hours of submitting a complete application, including any license documentation the vertical requires.
Yes. A previous decline is a starting point rather than a disqualifier. Mainstream processors exclude entire categories by policy, which is precisely why a specialist underwriter can approve the same application.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.