Shift Processing Review

November 1, 2021

Shift Processing offers high-risk credit card processing as well as zero-fee credit card processing, letting the payment processor appeal to a range of clients. Those interested in high-risk merchant accounts will find offerings for businesses of all sizes.


There are two main categories of clients that Shift Processing works with: high-risk merchant accounts and bad-credit merchant accounts. These two types of accounts can also overlap, which helps Shift Processing stand out in the high-risk credit card processing industry.

High-risk Merchant Accounts

One of the primary types of customers that Shift Processing works with is high-risk merchants. These accounts are for those who run businesses that the industry considers high-risk.


Bad-credit Merchant Accounts

The other major category that clients fall under is those with bad credit. This can apply to high-risk, low-risk, or mid-risk merchants.

Shift Processing Services

From zero-fee processing to terminals, explore some of the services that high-risk merchant accounts at Shift Processing have access to.

Zero-Fee Processing

Zero-fee processing is one of this payment processor’s stand-out services. Instead of charging you fees for high-risk credit card processing, the platform adds small service fees to every purchase. This lets retailers eliminate their merchant service fees.

image of zero processing fees

Cash Discount Program

Shift Processing also offers a cash discount program. This is a program where the cost of paying with a credit card is passed onto the customer instead of the merchant having to pay for it. With this type of program, retailers list the prices for paying with a card but offer a discount for those who pay in cash. This positive framing lets merchants incorporate the processing fees into the price without doing so in an obvious way. Some merchants choose to do it the opposite way, listing the price for cash payments with notes about an upcharge for card payments.

Importantly, cash discount programs are legal across the United States, but only 40 states let merchants charge a surcharge for paying by card.


Industry-specific Account Types

Shift Processing also offers specific accounts to a few high-risk industries that are more likely to face challenges finding payment processors. These include:

  • Cannabis credit card processing
  • Compliant CBD credit card processing
  • Korean credit card processing
  • Restaurant POS system
  • Retail POS system
  • Kratom credit card processing (When legally available; at the time of writing, this account type is temporarily unavailable.)

Free Terminals

When you open an account with Shift Processing, you receive 100% free terminals. There is not even a shipping fee to receive the terminals.

The free POS system that is included with high-risk merchant accounts lets you accept all major credit cards. It can also connect with a receipt printer and features inventory management and customer management.

EMV Terminals

You can also upgrade to an EMV (Europay, MasterCard, and VISA) terminal. These will let you accept cards and payment methods with chips. These are a more secure option, and you can choose from contact or contactless EMV terminals.

image of emv terminals

Shift Processing Rates

While there is no specific information on the rates that Shift Processing charges, there are some important considerations that the payment processor makes clear.

No Fees for Set-up

This is one of the rare payment processors that doesn’t charge any fees for the initial account set-up.


No Batch Fees

Batch fees are common among payment processors, and they can add up when you close at the end of each business day or even more frequently. But Shift Processing doesn’t charge any.

No Swipe Fees

Shift Processing also prides itself on offering the lowest swipe fees within the high-risk industry: none at all. This means you don’t have to require a minimum purchase.

No Interchange Fees

Shift Processing covers all of the interchange fees that most payment processors pass onto high-risk merchant accounts. This is important, as those interchange fees account for nearly 90% of processing fees.

image of no interchange fees

Monthly Statements to Track Savings

Despite not charging any merchant fees, Shift Processing still sends out monthly statements to its merchant account holders. Instead of showing a balance due, these statements let you know what you save. There is never a charge.

High-risk Industries Shift Processing Serves

The following are just some of the high-risk industries that Shift Processing offers accounts for:

  • Cigarette sales
  • Medical devices
  • Startups
  • E-commerce
  • CBD e-commerce
  • CBD products
  • Online gambling
  • Kratom e-commerce
  • Marijuana dispensaries
  • Strip clubs
  • Credit repair
  • Travel
  • Adult entertainment
  • Dating

image of high risk industries

Even if you do not need a high-risk merchant account, Shift Processing will offer you services with its zero-fee processing. The following are just some of the industries of varying risk levels that the payment processor serves:

  • Landscaping
  • Lawn care
  • Pest control
  • Fishing and hunting
  • Marketing and advertising
  • Non-profits
  • Retail sales
  • Technology services
  • Fine dining
  • Contractors
  • Accounting
  • AC and heating
  • Equipment rental
  • Grocery stores

  • Pawnbrokers
  • Remodeling
  • Plumbing
  • Construction
  • Childcare
  • Tax preparation
  • Convenience stores
  • Truck stops
  • Car washes
  • Dental offices
  • Chiropractic offices
  • Optometrists
  • Auto sales and parts

The only caveat is that for some of the above list of industries, Shift Processing may have a minimum volume requirement. That is not typically the case for the previous list of high-risk account types.

Other Notable Features on Shift Processing

In addition to all of the high-risk credit card processing services already mentioned, Shift Processing also has a few other features that are noteworthy.

24/7 Account Access and Free Online Reports 

You can access your account at any time of the day or night. Via this 24/7 online account, you can also view free online reports.

99% Approval Rating

Shift Processing has a 99% approval rating. This makes it highly likely that you will be approved for a high-risk merchant account with them.

image of 99% approval rate

Approval Within 48 Hours

In addition to a high approval rate, Shift Processing delivers that approval in just 48 hours. This lets you start accepting a range of payments.

Quick Set-up

After that fast approval, the set-up process is also incredibly quick, letting you start accepting payments as soon as possible.

Once you receive the terminal, it should take about five minutes total to set it up and get ready. You simply have to plug it in and follow a few steps, and a dedicated support representative can walk you through them if necessary.

No Long-term Contracts—Month-to-month Instead 

Shift Processing prides itself on its lack of long-term contracts. This is important, as many competitors require longer contracts to take on high-risk merchant accounts.

Instead, regardless of the type of account you open with Shift Processing, you get a month-to-month contract.

Accept All Cards, Plus ApplePay, Samsung Pay, and Google Wallet 

Shift Processing offers high-risk credit card processing for every card brand. This includes Visa, Mastercard, American Express, and Discover. You can also accept Samsung Pay, Google Wallet, and ApplePay.

Customer Service

The company also prides itself on delivering great customer service. This includes assigning your company a dedicated representative as well as giving you chargeback support and troubleshooting assistance.

Shift Processing Reputation and Reviews

image of shift procesing customer reviews

Overall, Shift Processing has a positive reputation online. For example, its rating on Google is 4.3/5 based on more than 15 reviews. Most customer reviews praise the lack of fees and the ease of processing. Others praise the customized gateways for recurring billing and invoices.


Shift Processing stands out from other high-risk credit card processing companies thanks to its zero-fee processing. This lets retailers and merchants stick to their budget while still encouraging sales with credit cards.

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