High-risk Business

Secure Payments with No Hidden Fees

Flexible, tailored solutions for high-risk businesses searching to be approved for a merchant account—all backed by transparent fees and dedicated support.

High-risk Business

Secure Payments with No Hidden Fees

Flexible, tailored solutions for high-risk businesses searching to be approved for a merchant account—all backed by transparent fees and dedicated support.

Smarter payments, stronger solutions

Avoid outrageous and hidden fees while securing transactions with PCI DSS compliance and advanced fraud prevention. Whether your customers pay online or in-person, we provide reliable processing, comprehensive chargeback defense, and robust security tools—the same measures top companies use to proactively mitigate risks.

20%

Average savings on transaction fees

100%

Clients achieved or maintained PCI DSS

#1

Rated merchant processor

Tailored growth solutions

Avoid unexpected costs with guaranteed rates and fully transparent pricing.

Dedicated support

Around-the-clock, U.S.-based 24/7 customer support.

Reduce chargebacks

Chargeback prevention system proactively monitors transactions and handles disputes.

Built-in security

Full PCI Data Security Standards for data encryption, key management and tokenization.

Online purchase with credit card

Avoid processing hassles and high fees. Focus on growing your business.

Flexible, high-risk payment solutions

Ease retail headaches with automated sales tools ingrained in POS systems with lightning-fast barcode scanners. Streamline inventory management and reporting!

POS systems

Smooth out your checkout process with our intuitive POS systems that handle credit, debit and even mobile wallets like ApplePay or GooglePay. Even manage refunds and split payments or set recommended tip percentages easily.

Inventory tracking

Beyond checkout, our inventory tracking ensures you’re never caught short, monitoring everything from product variants to stock counts and you’re even able to tailor discounts and marketing strategies based on backend data and insights.

 

Optimize your checkout with advanced POS solutions

Streamline inventory management and every transaction with our state-of-the-art POS systems.

Versatile payment options

Accept credit, debit, and mobile wallets like ApplePay and GooglePay.

Enhanced transaction features

Manage refunds, split payments, enable tipping, and set recommended tip percentages.

Smart inventory and marketing

Keep track of product variants and stock levels, and use data insights to tailor discounts and marketing efforts.

Integrations

Third-party software integrations

Integrate our payment system seamlessly with the business apps and third-party tools you use daily.

Flexible integrations

Our compatible solutions work with most shopping carts and software, ensuring reliable and smooth transactions that enhance the software you already trust.

ACH / eCheck

ACH for recurring payments

ACH processing is perfect for businesses specializing in subscriptions or needing recurring payments.

Reduce transaction fees

Beyond offering a more secure option than credit cards, ACH also helps our customers reduce transaction fees, get paid quicker, and put their customers payments on autopilot.

Lowest Fees Bar None

See How We Compare

Compare our pricing with top competitors at $15,000 monthly processing volume with all fees included.

In Person
The customer swipes their card
Online
The customer uses their card online
Manual
Card is keyed in by your team, this includes cards saved on file.
Mobile Reader
& Terminal Price
Gateway Setup Price
Basic In-person and eCommerce Plans
Advanced
Plan

$376

2.5% + 0.10

$363

2.4% + 0.10

$439

2.9% + 0.30

$527

3.5% + 0.15

$527

3.5% + 0.15

FREE

FREE

FREE
FREE

Our Competitors

Stripe
Square

PayPal

$439

2.9% + 0.30

$391

2.6% + 0.10

$514

3.4% + 0.30

$439

2.9% + 030

$530

3.4% + 0.49

$514

3.4% + 0.30

$527

3.5% + 0.15

$530

3.4% + 0.49

$49

None

None

Free

Free

Free

National Processing is the #1 Rated Merchant Processor

5

(200 reviews)

#1 Rated Merchant Processor

4.5

(400 reviews)

#1 Rated Merchant Processor

4.5

(400 reviews)

"Superb experience! Seemed surreal that I have an assigned account manager that I contact directly who is professional and knowledgeable."

Related resources

Explore resources designed to help you navigate payments and effectively utilize our platform.

Frequently Asked Questions

Don’t see your question about processing credit cards?

Reach out to our sales team:

800-803-4592 | sales@nationalprocessing.com

Being labeled “high risk” typically means your service or product doesn’t align with a conventional bank’s credit policy, often due to factors like industry type, financial stability, or international sales.

There isn’t a single framework or central authority that defines what makes a business high risk in the payments industry. Instead, banks, payment processors, and service providers all have their own criteria for what constitutes high risk. Our team is here to guide you through securing your high-risk merchant account, tailored to meet your unique challenges.

At National Processing, we specialize in establishing merchant accounts for businesses across a variety of high-risk industries, ensuring you receive the support and services tailored to your specific needs.

Our solutions include robust chargeback management tools and dispute resolution mechanisms that help minimize chargebacks and protect your revenue, ensuring your business maintains a positive reputation.

Let's work together

If we can't beat your current rates, we'll give you $500!*

We happily accept high-risk merchants processing any amount. Price guarantee for merchants processing $10,000 or more per month. Free terminals and other promotions depend on processing volume, credit and qualifications.

Customer focused

If we can't beat your current rates, we'll give you $500!*

*We happily accept merchants processing any amount. Price guarantee for merchants processing $10,000 or more per month. Free terminals and other promotions depend on processing volume, credit and qualifications.