High-Risk Merchant Account Credit Card Processing


  • 97.6% Approval Rate
  • Fast Approvals
  • 24-48 Hour Payouts
  • Lowest Rates, Multiple Bank Approvals
  • 100% Digital Application
  • Get Your FREE Payment Processing Quote

Solutions For Every High-Risk Merchant Industry

Why Choose Us?

We have the largest network of high risk banks in the industry, and growing! Our team has spent more than 20 years in the high-risk space formulating and strengthening our network of domestic and international banking partners to be able to provide diversified solutions suitable for nearly every type of high-risk merchant account.

Our Payment Solutions

Virtual Terminal
Mobile
Retail
E-commerce

We Understand Your Processing Needs

Fast Approvals

Our online application, which is integrated with dozens of banks, assures a quick application and approval process so you can start accepting credit cards right away.

High Approvals

With over 40 different bank solutions that have been tested, we can ensure that your application will only be submitted to banks that work with businesses like yours.

Secure Processing

By setting you up with a minimum of 4 banks and automatically diverting percentages of your processing volume to each bank, we reduce risk the exposure to each high-risk merchant account and decrease the chance of account terminations.

Online Portal

Our online portal delivers daily status updates from our banking partners and reminds you exactly what is missing to get you approved.

Apply Online

Our online application allows you to apply to multiple high-risk banks in the industry by filling out one application, completing digital signatures and securely uploading supporting documents.

Unique Solutions

To help businesses that can’t get a high-risk merchant account approved by US Banks, we have developed a network of Offshore and ACH Bank relationships that provide payment gateways and accept multiple high-risk business types.

About Paydiverse

Our Team has 20+ Years of High-Risk Payment Processing Experience

Our Team has 20+ Years of High Risk Merchant Account Experience. Paydiverse has thoroughly tested numerous processing banks to understand which are the perfect fit for every high-risk merchant account category. We have a diverse array of solutions per business type unlike anyone else in the industry.

Secure Payment Processing
In 3 Simple Steps

  • Apply Now

    Complete our quick and easy online application

    Digitally sign applications using your mouse

    Securely upload supporting documents

  • Get Approved

    Applications are sent to all banks that have pre-approved you

    Banks will review and determine a processing limit

    Daily updates sent with additional documents and final approvals

  • Start Processing

    Payment Gateways are activated

    Gateway automatically distributes transactions across all merchant accounts

    Transaction distribution minimizes risk and ensures processing security

Risk Management Tools for High-Risk Merchant Account

From preventing chargebacks to transaction allocation and management, our cutting-edge risk prevention tools will help keep your high-risk merchant accounts healthy and processing for the long term.

  • Automatic multi-bank transaction distribution
  • Pre-chargeback alerts to prevent chargeback
  • IspyFraud prevention software
  • Reliable and secure payment platform
  • Processing strategy customized for your business
  • Chargeback dispute system

Superb Customer Support

Our expert agents are available to help make your application process as easy as possible. Whether you have general payment processing questions or need help completing the application, our team is available 24/7 for you. Our expert high risk merchant account payment advisors provide:

  • Daily account monitoring and management
  • Longstanding bank relationships
  • Pre-approved backup banks
  • Descriptor testing
  • Customer service testing
  • 24/7 USA customer support

Diverse Payment Processing is Smart Processing

Fill out our free and quick merchant account application and let us match you with many banks that want your business.