High-Risk Merchant Processing Specialists
Declined by traditional processors? We specialize in approving high-risk merchants with competitive rates, chargeback protection, and long-term account stability.
Why Traditional Processors Say No
Big processors like Square, Stripe, and PayPal use automated systems that automatically reject businesses in certain industries—regardless of how legitimate or well-run they are.
Fast Approvals
24-72 Hours
Average approval time for qualified high-risk merchants
High-Risk Expertise
Specialized services designed for high-risk merchants
Specialized Underwriting
Expert underwriters who understand high-risk industries and know how to structure approvals.
- Industry-specific experience
- Flexible documentation
- Fast approval process
- Multiple banking relationships
Chargeback Protection
Tools and strategies to minimize chargebacks and protect your merchant account.
- Chargeback alerts
- Dispute management
- Prevention best practices
- Reserve management
Account Stability
Long-term account stability with processors who understand your business.
- Dedicated account manager
- Volume scaling support
- Compliance assistance
- Regular account reviews
Industries We Serve
We have experience approving and supporting merchants in these high-risk categories
What You'll Need to Apply
Help us help you by having these documents ready
Required Documents
- Valid government-issued ID
- Business license or registration
- Voided check or bank letter
- 3 months of bank statements
- 3 months of processing statements (if applicable)
Helpful Information
- Average transaction amount
- Monthly processing volume
- Refund/chargeback history
- Current processor (if any)
- Website URL (if applicable)
PCI Compliant
Level 1 PCI DSS certified for maximum security
A+ BBB Rating
Trusted by 1,000+ businesses nationwide
Local Support
Fort Lauderdale based team, not a call center
Same-Day Approval
Get approved and processing in 24 hours
What Our Clients Say
Join 1,000+ satisfied merchants across South Florida
"Switched to Processing Bros and immediately saved $280/month. Their team actually picks up the phone when I call."
"Finally found a processor that doesn't hide fees. Everything is transparent and their rates are unbeatable."
"The cash discount program helped us reduce processing costs by 35% without losing customers."
Simple Getting Started Process
Get approved and processing payments in as little as 24 hours
Application
Submit your application with business details and processing history
Underwriting
Our team reviews your application with high-risk expertise
Approval
Receive approval with transparent terms and competitive rates
Go Live
Get credentials, integrate, and start processing payments
Frequently Asked Questions
Why is my business considered high-risk?
Businesses are classified as high-risk due to factors like industry type (tobacco, CBD, firearms), higher chargeback rates, subscription billing models, or regulatory considerations. It doesn't mean your business is problematic—just that it requires specialized underwriting.
Can I get approved if I've been declined elsewhere?
Yes, we specialize in approving merchants who have been declined by traditional processors. Our underwriting relationships and experience with high-risk industries allow us to approve many merchants others can't.
Are rates higher for high-risk merchants?
Rates are typically slightly higher than standard accounts due to increased underwriting and risk management. However, we work to provide competitive rates and can often beat what other high-risk processors offer.
What is a reserve and will I need one?
A reserve is a percentage of your transactions held as security against chargebacks. Many high-risk accounts require a rolling reserve initially, which is often reduced or eliminated after you establish a positive processing history.
Get Approved for High-Risk Processing
Stop letting rejections hold your business back. Apply now for fast approval.