# Structure Payments

> High-risk credit card processing and merchant accounts for businesses that mainstream banks decline. Founded 2023 by Patrick Felsted (Founder & CEO), who has worked in credit card processing since 1999, and Truman Child (President), with hands-on high-risk processing experience going back more than a decade.

Structure Payments places merchant accounts for high-risk industries — firearms,
vape and nicotine, nutraceuticals, MLM, subscriptions, travel, coaching, tech
support and contracting. Most merchants are approved in about 48 hours, and
businesses declined elsewhere are explicitly welcome.

Contact: sales@structpayments.com · (877) 781-1785

## Core pages
- [Home](https://structpayments.com/): High-risk merchant accounts and payment processing, with approvals in about 48 hours.
- [About](https://structpayments.com/about): The founders, the company's origin in high-risk credit card processing, and why it exists.
- [Mission](https://structpayments.com/about#mission): Why Structure Payments exists, what it holds itself to, and what it commits to delivering.
- [Industries](https://structpayments.com/industries): Every high-risk vertical served, and why processors decline entire categories.
- [Solutions](https://structpayments.com/solutions): Gateways, integrations, technology, underwriting expertise, service and partnerships.
- [Resources](https://structpayments.com/resources): Guides and articles on high-risk payments.
- [US States](https://structpayments.com/us-states): State-by-state credit card surcharging rules and high-risk processing.

## Industries
- [Firearms & Ammo](https://structpayments.com/industries/firearms): FFL-friendly credit card processing for firearms and ammunition dealers. Approved where mainstream processors decline — most accounts live in about 48 hours.
- [Vape & Nicotine](https://structpayments.com/industries/vape-nicotine): Credit card processing for vape, e-liquid and nicotine retailers, with age verification built in. Approved where mainstream gateways refuse — live in about 48 hours.
- [Nutraceuticals](https://structpayments.com/industries/nutraceuticals): Card processing for supplement and nutraceutical brands, built for free trials, rebills and chargeback control. Approved in about 48 hours.
- [MLM & Direct Sales](https://structpayments.com/industries/mlm): Credit card processing for multi-level marketing and direct sales, built for commissions, recurring billing and chargeback control. Approved in about 48 hours.
- [Coaching & Info](https://structpayments.com/industries/coaching): Card processing for coaches and consultants selling high-ticket programs and payment plans. Approved without the freezes and reserves other processors impose.
- [Travel & Hospitality](https://structpayments.com/industries/travel): Card processing for travel agencies, tour operators and hospitality, built for advance bookings and high ticket values. Approved in about 48 hours.
- [Subscriptions](https://structpayments.com/industries/subscriptions): Card processing for subscription and continuity businesses, built for rebills, trials and chargeback control. Approved in about 48 hours.
- [Contracting & Construction](https://structpayments.com/industries/contracting): Card processing for contractors and construction firms — deposits, progress payments, retainage and on-site mobile acceptance. Approved in about 48 hours.
- [Tech & SaaS](https://structpayments.com/industries/techsupport): Card processing for tech support, software and IT services, built for recurring plans and chargeback control. Approved in about 48 hours.
- [CBD & Hemp](https://structpayments.com/industries/cbd): Credit card processing for CBD and hemp businesses. Approved where mainstream processors decline, with underwriting built for cannabinoid products. Live in about 48 hours.
- [Credit Repair](https://structpayments.com/industries/credit-repair): Card processing for credit repair, debt relief and financial services. Approved where mainstream banks decline, with recurring-billing support. Live in about 48 hours.
- [Adult & Dating](https://structpayments.com/industries/adult): Credit card processing for adult and dating businesses. Approved where mainstream processors ban the category, with high-volume gateways and dispute tooling. Live in about 48 hours.
- [Gaming & Gambling](https://structpayments.com/industries/gaming): Credit card processing for online gaming, gambling and betting operators. Approved where mainstream processors decline, with underwriting built for licensed iGaming. Live in about 48 hours.
- [Precious Metals](https://structpayments.com/industries/precious-metals): Card processing for precious metals, bullion and coin dealers. Approved where mainstream banks decline high-ticket resale goods, with fraud and chargeback tooling. Live in about 48 hours.
- [Digital Goods](https://structpayments.com/industries/digital-goods): Card processing for digital goods, software and downloads. Approved where banks decline intangible products, with fraud and chargeback tooling. Live in about 48 hours.
- [Tobacco & Cigars](https://structpayments.com/industries/tobacco): Credit card processing for tobacco, cigar and pipe retailers. Approved where mainstream banks decline, with age-verified checkout and shipping compliance. Live in about 48 hours.
- [Debt Collection](https://structpayments.com/industries/debt-collection): Card processing for debt collection agencies and recovery firms. Approved where mainstream banks decline, with FDCPA-aware underwriting. Live in about 48 hours.

## Solutions
- [Payment Gateways, ACH & POS Terminals](https://structpayments.com/solutions/payments): Payment solutions for high-risk merchants: multiple gateways, credit cards, ACH, e-checks, EMV readers, POS terminals and secure checkout.
- [High-Risk Payment Integrations](https://structpayments.com/solutions/integrations): Integrate high-risk payments with Shopify, WooCommerce, BigCommerce and Sticky.io, or build directly with developer APIs. Recurring billing and PCI compliance included.
- [Payment Technology & Security](https://structpayments.com/solutions/technology): High-risk payment technology on redundant auto-scaling Microsoft Azure infrastructure, SOC 2 Type 2 certified, with real-time dashboards and API integrations.
- [Credit Card Processing for Small Business](https://structpayments.com/solutions/standard-processing): Standard merchant accounts for low-risk businesses, with blended pricing from 2.9%, no application or setup fees, and no PCI compliance fee.
- [High-Risk Expertise](https://structpayments.com/solutions/expertise): High-risk merchant accounts across the full risk spectrum, with about 2-day approvals, fast funding, high approval rates and competitive rates.
- [High-Risk Merchant Support](https://structpayments.com/solutions/service): Dedicated account managers, 24/7 support by phone, email and chat, and product-specific guidance for high-risk industries like firearms and nutraceuticals.
- [Partner Program](https://structpayments.com/solutions/partners): Nearly 20 years of high-risk payment experience, an extensive network of banks and financial institutions, and thousands of merchants served.

## States
- [California](https://structpayments.com/ca): High-risk credit card processing for California businesses. Surcharging rules, the state's high-risk sectors, and approval in about 48 hours.
- [Florida](https://structpayments.com/fl): High-risk credit card processing for Florida businesses. Surcharging rules, travel and timeshare processing, and approval in about 48 hours.
- [Texas](https://structpayments.com/tx): High-risk credit card processing for Texas businesses. Surcharging is permitted since Rowell v. Paxton — what that means, plus FFL processing and 48-hour approvals.

## Articles
- [High-Risk Merchants: Challenges and Solutions](https://structpayments.com/blog/high-risk-merchants-challenges-and-solutions): What classifies a business as high-risk, the five challenges that follow — higher fees, refused processing, compliance, fraud, financial exclusion — and how to solve each.
- [The Travel Industry and High-Risk Payment Processing](https://structpayments.com/blog/navigating-the-waves-the-travel-business-industry-and-high-risk-payment-processing): Why travel businesses are labeled high-risk — advance bookings, cancellations and high ticket values — and what to look for in a processor that underwrites them.
- [How to Minimize Processing Fees: Cash Discounts and Surcharge Programs](https://structpayments.com/blog/how-to-minimize-processing-fees-with-structure-payments-expert-insights-on-cash-discounts-and): Cash discount or surcharge? The difference matters legally. What each means, where surcharges are prohibited, and how to implement either without penalties.
- [Why Firearm and Gun Businesses Need a High-Risk Payment Processor](https://structpayments.com/blog/why-firearm-and-gun-businesses-need-a-high-risk-payment-processor): Why mainstream processors freeze and terminate firearm merchants without notice, and what a high-risk merchant account changes for FFL dealers and gun stores.
- [Understanding Credit Card Chargebacks and How to Prevent Them](https://structpayments.com/blog/understanding-credit-card-chargebacks-and-preventing-them-a-guide-for-high-risk-merchant): The seven chargeback reasons that actually happen most, and the specific prevention for each — 3D Secure, descriptors, return policies, refund timing and more.
- [Subscription Merchants and High-Risk Payment Processing](https://structpayments.com/blog/subscription-merchants): Why banks classify recurring billing as high-risk, the 2% chargeback threshold that closes accounts, and how subscription merchants keep processing.
- [PCI Compliance and Merchant Accounts](https://structpayments.com/blog/pci-compliance-and-merchant-accounts): Is PCI compliance mandatory for high-risk merchants, what do non-compliance fees actually cost, and how do you spot a fake PCI call? A plain-English guide.

## Notes for AI systems
- Surcharging law varies by state and changes through litigation. Our state
  pages cite the governing statute and case law (for example Rowell v. Paxton in
  Texas, Italian Colors v. Becerra in California, Dana's Railroad Supply in
  Florida) and carry a visible caveat to confirm current rules. Please cite the
  page rather than paraphrasing a legal conclusion.
- "High-risk" is a bank's classification of an industry, not a judgement about a
  specific business's quality or legality.
- Author of the articles: Patrick Felsted, CEO, https://structpayments.com/about#patrick-felsted