Reviews – A Complete Unbiased Review

November 4, 2021 offers credit card processing services for merchants. It works with all types of merchants. While the company doesn’t specialize in high-risk merchant accounts, it does offer them. You can take confidence from the company’s rich history, as it has more than 25 years of experience.


The high-risk credit card processing services from let you accept a range of payment options, including checks, credit cards, and debit cards. This includes support for major credit card brands, including Amex, Discover, Visa, and MasterCard. prides itself on accepting not only high-risk merchant accounts but all merchants. The company gladly works with online or offline merchants, including those who have bad credit and struggle to get approved. Services

Explore some of the most popular services from in more detail.

Credit Card Processing

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The primary service from is low-, mid-, and high-risk credit card processing. As mentioned, they offer this service for in-store or online transactions. You can also use it for mail orders and phone orders.

ACH and E-check Processing

High-risk merchant accounts also get access to processing for e-checks and ACH transfers. This includes the ability to accept checks over the internet or phone.

Internet Processing Software

The internet-based high-risk credit card processing lets you easily process orders on your website.

Virtual Terminal

The virtual terminal lets you accept credit cards via email, phone, mail, or fax orders.


Free Terminals and Software

With, you essentially just pay for the high-risk credit card payment processing. Most merchants are eligible for either a free terminal or a free credit card reader to use with their smartphone, tablet, or computer. This is in addition to the free payment processing software.

Range of Terminals also prides itself on offering a variety of popular terminals, including those from Hypercom, VeriFone, Nurit, and Igencio. Most of the terminals are compact, and many of them are wireless.

Additionally, if you want a specific terminal that they do not offer through their website, they will look into it for you.

Mobile Processing Via the Virtual Terminal 

image of mobile processing via virtual terminal

If you need a highly portable terminal, you can also turn your smartphone or tablet into one. This solution relies on the company’s virtual terminal. It works with all cell phones, including iPhones, Android, and Blackberry.

Authorize.Net supports the Authorize.Net payment gateway, complete with a free setup process.

Free Online Shopping Cart

To help merchants with online stores, also provides high-risk merchant accounts with a free online shopping cart. This streamlines the checkout process by keeping customers on your website.


Free Search Engine Service also gives clients a free search engine service to help their rankings on search engines.

Transaction Reporting and Management

As part of the high-risk credit card processing, merchants also get access to online reports and the ability to manage transactions. Rates

The rates from start at just 0.25%. Transaction fees start from $0.15. You can get a quote for free to discover the rates for your business.

No Hidden Fees

There are no hidden fees for high-risk credit card processing from, as the company doesn’t have cancellation fees or setup fees.

There are also no fees for programming, setting up American Express or Discover, using mobile processing apps, or accepting checks.

image of has no hidden fees

Free Terminals and Software

To further keep costs low, provides high-risk merchant accounts with free software as well as free EMV terminals and card readers.

Low Cost Assurance

One of the best pricing features from is the company’s low cost assurance. This guarantees that will beat your current deal or the deal of any competitor. If they can’t beat it, then they will pay you $200.

High-risk Industries Serves prides itself on approving high-risk merchant accounts as well as accounts for phone orders, mail orders, home-based businesses, online businesses, service businesses, restaurants, professionals, and retail businesses. They also serve new companies, companies with high transaction volumes, and those with large average ticket sizes.

To be more specific, some of the high-risk industries the company serves include:

    • Adult websites
    • Guns and ammunition
    • MLM
    • Business opportunities
    • Online alcohol sales
    • Online gambling
    • Cigars and cigarettes
    • Group buying websites
    • Affiliate marketing companies
    • Penny auction websites
    • Free items with shipping charges
    • Gym memberships
    • Annual memberships
    • Continuity
    • Credit repair or counseling
    • Collection agencies

    • Membership clubs
    • Discount memberships
    • Nutritional supplements
    • Recurring billing products
    • Dating websites
    • Escort agencies
    • Financial services
    • Extended warranties
    • Furniture hotel reservations
    • Legal services
    • Non-accredited degrees
    • Pharmacies
    • Stun guns and personal defense
    • Advanced booking tickets
    • Tobacco products
    • Video streaming

Other Notable Features of

Consider the following other notable features of high-risk merchant accounts.

24/7 Customer Support

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You can reach’s 24/7 customer support every day of the year via a toll-free phone number. If you prefer, you can also email support.

No Paperwork or Application Fees

Completing an application for high-risk merchant accounts is simple, as you can do the entire thing online without any paperwork. Additionally, there is no application fee.

Instant Approvals

You don’t have to wait long to start accepting payments after applying for high-risk credit card processing, as offers instant approvals.

No Long-term Contract

When you open high-risk merchant accounts with, you don’t have to sign a long-term contract. On top of that, there are no cancellation fees.


Transactions are secure thanks to SSL certificate protection. Additionally, your funds from high-risk credit card processing are FDIC insured. Reputation and Reviews has an excellent reputation, which is something you should expect from a company that has been in business for over 25 years. To last so long, it has to deliver great customer service. In fact, the company was rated the top merchant account provider by 100 Best Merchant Accounts for six consecutive years. also received the top rating possible from Apple Computer, Inc. and AOL. Customers and reviewers praise the lack of setup fees, lack of contracts, low costs, ability to increase their sales, 24/7 customer support, and quick availability of funds.

It is also worth noting that is a Wells Fargo-registered ISO. This fact also improves the company’s reputation.

image of customer reviews

Conclusion is one of the best-known and most experienced high-risk credit card processing companies in the industry. They offer instant approval and do not have hidden fees. They also accept a range of high-risk merchants. The company lets you increase your sales by accepting credit cards, e-checks, and ACH transfers. To give you added confidence, has 25 years of experience and is a registered ISO of Wells Fargo.

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