Structure Payments is known for the hard accounts, but we write standard merchant accounts as well — same underwriters, same gateways, blended pricing that starts at 2.9%.
Most of what we do is placing businesses that mainstream banks decline. That is the specialty, and it is why people find us. But the same banking relationships that make a firearms or CBD account possible also write ordinary retail, professional services, and ecommerce accounts.
If your business is straightforward, you should be paying straightforward rates. Blended pricing starts at 2.9%, interchange-plus is quoted to your volume, and there is no application fee, no setup fee, and no PCI compliance fee.
The same infrastructure behind our high-risk accounts, priced for a business that is not carrying that risk.
A dedicated merchant ID underwritten for your business, not a slot on a shared aggregator account that can be frozen without warning.
Or interchange-plus priced to your volume and processing history. We will tell you which one is better for your numbers.
Plenty of processors bill $99 to $199 a year for PCI compliance. We do not charge one.
Two-day funding is standard, and established merchants move to next-day.
Terminals and point-of-sale for the counter, hosted checkout and gateways for the web, and both together when you sell in each.
Shopify, WooCommerce, BigCommerce and more, plus developer APIs, recurring billing and a secure data vault.
A dedicated account manager and 24/7 support, which is not standard at the flat-rate processors.
If your business later moves into a category banks treat as high-risk, you are already with a processor that underwrites it.
No. High-risk is our specialty, not the limit of what we write. We place standard low-risk merchant accounts through the same banking relationships, with blended pricing starting at 2.9% and interchange-plus available.
Blended pricing starts at 2.9% per transaction, and interchange-plus is priced to your business. Expect a monthly fee, a gateway fee and a per-transaction fee on top of the rate. There is no application fee, no setup fee, and no PCI compliance fee.
Those are aggregators — you share a merchant account with thousands of other businesses, which is why signup takes minutes and why accounts can be frozen without warning. Here you are underwritten individually and hold your own merchant ID, with a dedicated account manager rather than a support queue.
Usually faster than a high-risk account, since there is less to underwrite. Most complete applications are approved in about 48 hours, and funding is two-day as standard.
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 →We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.