What SMB Global Payments does

SMB Global Payments is a US-based, privately held payment processor specializing exclusively in high-risk merchant account placement. Founded in 2011 and headquartered in West Jordan, Utah, the company targets businesses across 22+ regulated and hard-to-place verticals — including Dropshipping, Telemedicine, Firearms & Tobacco, Nutraceuticals, Online Gaming, Adult & Dating, Digital Marketing, Coaching Products, MLM & Direct Sales, eCommerce, and Travel & Tourism — that have been declined, restricted, or had rates raised by mainstream processors. Its core offering is the placement of stable merchant accounts via direct relationships with 15 acquiring banks and international/offshore banking partners, supported by a pre-underwriting process that matches each merchant to the bank and processing partner best suited to its risk profile and business model.

The product portfolio follows a platform-plus-modules model. Core processing is delivered across three channels: Gateway / Online Processing for card-not-present and subscription billing, In-Person Processing for retail and face-to-face transactions, and MOTO Processing for mail-order and telephone-order flows. Add-on modules include a Chargeback Protection suite with ratio monitoring and dispute guidance, Chargeback Prevention Software designed to flag chargebacks before they occur, ACH & Virtual Check Services for payment optimization, and International & Offshore Processing for cross-border merchants. The platform exposes 100+ plug-and-play integrations with commerce stacks such as Shopify, WooCommerce, and ClickFunnels, and PCI DSS compliance is referenced as a baseline standard.

Revenue is generated primarily through transaction fees on processed payment volume, supplemented by recurring subscription revenue from the chargeback prevention software and service charges on merchant accounts. Pricing is quote-based and determined during underwriting rather than publicly listed; the company emphasizes transparent, no-hidden-fee pricing with no rolling reserves. Distribution runs through two complementary go-to-market motions: a direct sales motion targeting merchants through website applications and underwriting consultations, and an ISO Partner Program that recruits independent sales organizations and agents to resell high-risk processing to their own merchant clients. The company operates with a small 1-10 person team and has not disclosed institutional funding, revenue figures, or named enterprise customers.

Name

SMB Global Payments

Legal name

SMB Global Payments

Website

https://smbglobalpayments.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

SMB Global Payments is a privately held US-based high-risk merchant account processor that places stable payment processing for 22+ regulated and hard-to-place verticals — including adult, firearms, telemedicine, nutraceuticals, gaming, MLM, and travel — via 15 acquiring-bank relationships, a pre-underwriting system, and an ISO partner program.

Ownership category

akta.pro rank

Product category

High-Risk Payment Processing

NAICS

Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Services Aggregators & SMB Acquirers (FSAMABAK)

Keywords

• High-risk merchant processing
• Payment gateway services
• Chargeback prevention software
• Merchant account placement
• ISO partner program

Headquarters

HQ city

West Jordan

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Merchant Account Services: Payment processing services for high-risk merchants including gateway/online processing, in-person processing, and MOTO processing. Revenue generated through transaction fees and account service charges structured around the company's 15 trusted banking relationships.
2. Chargeback Prevention Software: Software services that help merchants identify and prevent chargebacks before they occur, providing ongoing monitoring and dispute guidance
3. ACH & Virtual Check Services: ACH platform services allowing merchants to optimize processing while providing flexible payment options for customers
4. International & Offshore Processing: International and offshore banking relationships to help entrepreneurs secure credit card processing solutions globally

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

SMB Global Payments is a high-risk merchant account provider that places businesses with one of its 15 acquiring banking partners after a pre-underwriting review. Core services include Gateway/Online, In-Person, and MOTO processing, supported by chargeback prevention software, ACH and virtual check services, and international/offshore processing for verticals such as adult, firearms, telemedicine, nutraceuticals, MLM, eCommerce, dropshipping, and travel.

Product overview

SMB Global Payments is a high-risk merchant processing provider offering a unified platform with multiple processing solutions. The core offerings include Gateway/Online Processing (primary card-not-present solution), In-Person Processing (retail/face-to-face), and MOTO Processing (mail order/telephone order), supported by 15 banking relationships. The platform is complemented by add-on modules including Chargeback Protection (dispute monitoring and prevention), Chargeback Prevention Software, ACH & Virtual Check Services, and International & Offshore Processing capabilities. The architecture follows a platform-plus-modules model where merchants can access core payment processing across multiple channels with optional add-on services for risk management and specialized needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Gateway / Online Processing Secure, scalable online payment processing structured for complex industries and higher scrutiny. Supports card-not-present transactions, subscription billing, cross-border sales, and custom API integrations. For high-risk merchants seeking online and eCommerce card processing.
• In-Person Processing Retail and face-to-face payment processing structured for compliance and long-term approval. Includes retail-friendly underwriting and compatible POS terminal support. For high-risk merchants conducting in-person transactions.
• MOTO Processing Secure mail order and telephone order processing structured for manual-entry risk. Supports card-not-present transactions with fraud and risk awareness protocols. For high-risk merchants taking orders by phone or mail.
• Chargeback Protection Dispute management and chargeback prevention service that reduces disputes, monitors ratios, and protects merchant accounts from sudden shutdowns. Includes ratio monitoring, fraud prevention tools, and hands-on dispute guidance. For high-risk merchants seeking to manage dispute exposure.
• Merchant Accounts (High-Risk Account Placement) High-risk merchant account placement service leveraging 15 trusted banking relationships to secure merchant accounts with competitive rates, faster approval, and faster deposit times. For businesses declined or restricted by mainstream processors.
• International & Offshore Processing International and offshore banking relationships enabling entrepreneurs worldwide to secure credit card processing solutions. For international merchants and offshore businesses needing cross-border processing.
• ACH & Virtual Check Services ACH payment platform enabling payment optimization and flexible payment options for customers. For high-risk merchants seeking ACH and virtual check processing alongside card acceptance.

Quantifiable outcome

• Same-day approvals with processing within 24 hours
• +2 more outcomes

Segments11 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Acquiring Bank PartnerscoreStrategic or Co-development PartnerSMB Global leverages 15 trusted banking relationships to help merchants get approved with the lowest rates and faster approval times compared to other processors. The company works directly with acquiring banks and sponsor institutions to place stable merchant accounts for businesses others avoid. These relationships enable the company to match merchants with the right bank based on their specific business model, risk profile, and industry requirements.
• Independent Sales Organizations (ISO) & AgentscoreChannel Partner/ Reseller/ DistributorSMB Global's ISO Program is designed for independent sales organizations and agents who wish to take their payments business to the next level. The program includes a diverse portfolio of acquiring relationships and fraud and chargeback prevention technology. ISO partners can offer SMB Global's high-risk and international merchant processing solutions to their own client bases, helping accelerate their sales organizations.
• International and Offshore Banking PartnersminorStrategic or Co-development PartnerThe SMB Global Network uses both international and offshore banking relationships to help entrepreneurs from around the world secure credit card processing solutions. This extends the company's reach beyond domestic banking restrictions and enables support for international travel merchants and offshore adult merchant accounts.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• PaymentCloud: Direct competitor specializing in high-risk merchant account placement across multiple verticals, with similar bank-relationship-driven placement model and chargeback services.
• Durango Merchant Services: High-risk merchant services provider focused on ISO/agent channels and direct merchant placement in regulated and hard-to-place verticals, closely overlapping SMB Global's offering.
• eMerchantBroker: High-risk credit card processing specialist serving similar verticals (adult, supplements, travel, MLM) with multiple acquiring relationships and merchant placement services.
• HighRiskPay.com: Direct competitor in high-risk merchant account placement, offering similar underwriting expertise, multiple processor relationships, and chargeback prevention tools.
• Soar Payments: High-risk merchant services provider with comparable bank-relationship model serving eCommerce, supplements, and other restricted verticals.
• Maverick BankCard: High-risk merchant processing specialist with ISO program and multi-bank placement, directly comparable in GTM and target verticals.
• ECS Payments: Specialist high-risk payment processor with chargeback mitigation and multiple acquirer relationships serving similar merchant segments.
• PayKings: High-risk merchant services provider with similar bank-relationship placement model, ISO program, and target verticals including adult, supplements, and travel.

Broad incumbents

• Stripe: Large mainstream payment processor with adjacent SMB merchant services and 100+ platform integrations; generally avoids true high-risk but competes for low-end of SMB market.
• Block (Square): Broad SMB payments incumbent offering merchant accounts and POS solutions; competes for low-risk SMB merchants but does not address the high-risk niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SMB Global Payments