HighRiskPay.com
HighRiskPay.com is a U.S.-based high-risk merchant account provider that processes payments for adult, CBD, firearms, subscription, e-commerce, gambling, and other regulated or stigmatized industries rejected by mainstream processors, charging transaction fees from 1.79% with a 99% claimed approval rate.
- Company typePrivate
- Founded1997
- HeadquartersLadera Ranch, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What HighRiskPay.com does
HighRiskPay.com is a U.S.-based high-risk merchant account provider headquartered in Ladera Ranch, California, serving businesses that mainstream payment processors such as PayPal, Square, and Stripe routinely reject. The company's core offering is a specialized merchant account paired with an integrated payment gateway that enables acceptance of credit cards, debit cards, ACH, and eChecks for transactions classified as high-risk due to elevated chargeback exposure, regulatory complexity, or industry stigma. Verticals served include adult entertainment, CBD and hemp products, firearms and FFL dealers, subscription and recurring-billing businesses, e-commerce, travel, nutraceuticals, pharmacy, MLM, credit repair, debt collection, tech support, online gambling, and sports betting. The company claims a 99% approval rate with 24-48 hour underwriting turnaround and next-day funding for approved accounts.
The technology stack consists of a payment gateway and merchant account processing platform with pre-built integrations into seven major e-commerce platforms (Wix, Shopify, PrestaShop, Magento, WordPress/WooCommerce, OpenCart, BigCommerce). Add-on modules include a Chargeback Prevention Program, High Risk ACH Processing, High Volume Merchant Account, Bad Credit Merchant Account, POS Terminal Services, Mobile Payment Processing, a Surcharging Program, and Fraud Protection Services. The company states compliance with PCI DSS, GDPR, and CCPA requirements. No proprietary AI/ML capabilities, public API, or SDK offerings are documented.
Revenue is generated primarily through transaction-based fees starting from 1.79% per transaction, with no setup or application fees and quote-based pricing tailored to industry and risk profile. Distribution is direct-to-merchant through an online application portal, phone sales, and email, supplemented by an affiliate and reseller program and SEO-driven organic acquisition. The company operates with 1-10 employees, has been active since at least 2016, and shows no disclosed funding events, institutional investors, or acquisition activity. Leadership consists of Chief Operating Officer Eyal Marmareli, who oversees industry-focused sales across regulated verticals.
HighRiskPay.com firmographics
Firmographics- Name
- HighRiskPay.com
- Legal name
- High Risk Pay
- Website
- https://highriskpay.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- HighRiskPay.com is a U.S.-based high-risk merchant account provider that processes payments for adult, CBD, firearms, subscription, e-commerce, gambling, and other regulated or stigmatized industries rejected by mainstream processors, charging transaction fees from 1.79% with a 99% claimed approval rate.
- Ownership category
- akta.pro rank
HighRiskPay.com industry classification
Industry- Product category
- High-Risk Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Activities Related to Credit Intermediation (522390)
- akta.pro primary industry
- High-Risk / Specialty Merchant Acquirers (FSAMABAE)
- akta.pro secondary industries
- Card & Alternative Payment Processing (PSPs, Acquirers, Aggregators) (MPAEALAA), Payments Fraud & Chargeback Prevention (HDADALAE), Travel Merchant Acquiring & Payment Orchestration (PSPs, gateways) (THALAHAA)
Keywords
Where HighRiskPay.com is headquartered
LocationHeadquarters
- HQ city
- Ladera Ranch
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
HighRiskPay.com business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others, Infrastructure
Revenue model
- Transaction Processing Fees: The company charges transaction fees on every payment processed through their merchant accounts. Processing fees are competitive with traditional card processors, starting from 1.79% per transaction. No setup or application fees are charged.
- Merchant Account Services: Revenue generated from providing merchant accounts to high-risk businesses, including payment gateway services, chargeback management, and compliance support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard High-Risk Merchant Account |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
HighRiskPay.com product offering
Product offeringCore offering
HighRiskPay.com provides high-risk merchant accounts and payment gateway services to businesses classified as high-risk by mainstream processors such as PayPal, Square, and Stripe. The platform enables merchants in regulated and elevated-risk verticals (adult, CBD, firearms, subscription, travel, nutraceutical, gambling, and others) to accept credit cards, debit cards, ACH, and eCheck payments. Supporting offerings include a chargeback prevention program, high-risk ACH processing, high-volume merchant accounts, bad credit merchant accounts, POS terminals, mobile payment processing, a surcharging program, and fraud protection services, integrated with major e-commerce platforms.
Product overview
HighRiskPay.com offers a unified high-risk merchant account platform providing payment processing solutions for businesses classified as high-risk by traditional financial institutions. The core offering consists of a High Risk Merchant Account paired with an integrated Payment Gateway that enables merchants to accept credit cards, debit cards, ACH, and eChecks. The platform includes add-on modules such as Chargeback Prevention Program, High Risk ACH Processing, High Volume Merchant Account, and Bad Credit Merchant Account. The company provides industry-specific merchant accounts including Adult, CBD, Firearm, Subscription/Recurring, Ecommerce, Travel, Tech Support, Dropshipping, MLM, Pharmacy, Nutraceutical, Credit Repair, Debt Collection, Startup, Sportsbook, and Online Gambling merchant accounts. Additional services include POS Terminal Services, Mobile Payment Processing, Surcharging Program, and Fraud Protection Services. The platform integrates with major ecommerce platforms including Wix, Shopify, PrestaShop, Magento, WordPress, OpenCart, and BigCommerce.
Differentiator
Problem solved
Functional benefit
Products and services
- High Risk Merchant Account Core merchant account solution for businesses classified as high-risk, providing payment processing capabilities including credit card and ACH transactions with a stated 99% approval rate and 24-48 hour approvals.
- Payment Gateway Secure online payment gateway enabling merchants to accept credit cards, debit cards, ACH, and eChecks for transactions, with integrations to major e-commerce platforms.
- Chargeback Prevention Program Risk management service helping merchants reduce disputes and stay compliant with proactive alerts and industry-tailored support to maintain processing stability.
- High Risk ACH Processing ACH payment processing solution designed for high-risk businesses requiring electronic fund transfers and eCheck acceptance.
- High Volume Merchant Account Specialized merchant account for businesses processing large transaction volumes each month, with tailored underwriting and bank support.
- Bad Credit Merchant Account Merchant account solution for business owners with poor credit history, offering approval regardless of credit standing, with no setup or cancellation fees.
- Adult Merchant Account Payment processing solution for adult entertainment and content businesses that are rejected by mainstream processors due to regulatory complexity and reputational risk.
- CBD Merchant Account Merchant account for CBD businesses selling oils, supplements, and topical solutions that face limited banking options due to federal and state regulatory ambiguity.
- Firearm Merchant Processing Payment processing for firearms dealers and FFL holders facing heightened underwriting and compliance requirements from traditional banks.
- Subscription/Continuity Merchant Account Recurring billing and subscription payment processing for continuity businesses with inherent chargeback exposure and recurring billing complexities.
- Ecommerce Merchant Account Online payment processing for ecommerce websites including online, mobile, over-the-phone, and in-store payment options, with integrations to major ecommerce platforms.
- Travel Merchant Account Payment processing for travel agencies and travel-related businesses operating in a high-chargeback vertical.
- Sportsbook Payment Gateway Payment gateway for sports betting businesses requiring specialized underwriting for the gambling vertical.
- Online Gambling Payment Gateway Payment processing for online gambling operations requiring specialized high-risk underwriting.
- Credit Repair Merchant Account Payment solution for credit repair businesses operating in a regulated and stigmatized vertical.
- MLM Payment Gateway Payment processing for multi-level marketing businesses facing elevated chargeback and regulatory exposure.
- Pharmacy Merchant Account Online pharmacy payment processing solution for pharmaceutical companies operating under elevated regulatory scrutiny.
- Nutraceutical Merchant Account Payment processing for nutraceutical and supplement businesses operating in a frequently high-risk classified vertical.
- Startup Merchant Account Merchant account for new businesses with no processing history that need to begin accepting card payments.
- Dropshipping Merchant Account Payment solution for dropshipping businesses with elevated chargeback and fulfillment risk.
- Tech Support Merchant Account Payment gateway for online tech support services that face elevated fraud and dispute exposure.
- Debt Collection Merchant Account Payment processing for debt collection agencies operating in a regulated, high-dispute vertical.
- Ticket Brokers Merchant Account Merchant account for ticket brokers and online ticket sales businesses with elevated chargeback exposure.
- POS Terminal Services Point-of-sale terminal hardware and services enabling in-store card acceptance for high-risk merchants.
- Mobile Payment Processing Mobile payment solutions enabling high-risk merchants to process transactions on mobile devices.
- Surcharging Program Surcharge processing program enabling eligible high-risk merchants to pass card processing costs to customers.
- Fraud Protection Services Fraud detection and prevention tools for high-risk merchants to reduce fraudulent transactions and associated chargebacks.
Quantifiable outcome
- 99% approval rate for high-risk merchant applications
- +2 more outcomes
Companies that use HighRiskPay.com
Customer profileSegments6 records
Ideal customer profiles2 records
HighRiskPay.com technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
HighRiskPay.com partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
HighRiskPay.com competitors and assessment
Company assessmentDirect peers
- Instabill: Instabill is a high-risk merchant account provider serving adult, online gambling, forex, and nutraceutical merchants with comparable bank-sponsored underwriting and international reach.
- FlagPay: FlagPay is a high-risk payment processor focused on firearms, CBD, nutraceutical, and adult merchants, offering comparable merchant accounts, gateways, and chargeback mitigation.
- PaymentCloud: PaymentCloud is a direct high-risk merchant account provider offering credit card processing for adult, CBD, firearms, nutraceutical, and subscription merchants—essentially the same core customer base and product offering as HighRiskPay.
- SMB Global: SMB Global offers high-risk merchant accounts and offshore payment processing across adult, firearms, gambling, and CBD verticals—directly comparable to HighRiskPay's regulated-industry focus.
- Durango Merchant Services: Durango Merchant Services provides high-risk merchant accounts with a 99% approval-rate claim, directly overlapping HighRiskPay on adult, CBD, firearms, nutraceutical, and subscription verticals.
- PayKings: PayKings provides high-risk merchant processing for CBD, firearms, nutraceutical, MLM, and credit-repair verticals with an online application and rapid approval funnel similar to HighRiskPay's.
- Easy Pay Direct: Easy Pay Direct provides high-risk credit card processing for nutraceuticals, CBD, supplements, and e-commerce continuity programs with a comparable merchant-acquiring-plus-gateway bundle.
- ECS Payments: ECS Payments specializes in high-risk and hard-to-place merchant accounts for firearms, adult, and CBD merchants with comparable gateway, chargeback, and underwriting services.
- eMerchantBroker: eMerchantBroker specializes in high-risk and offshore merchant accounts across adult, CBD, firearms, MLM, credit repair, and travel verticals with similar 24-hour approval and next-day funding positioning.
- Soar Payments: Soar Payments is a high-risk merchant services provider serving firearms, nutraceutical, CBD, and adult merchants with similar 24-hour approval and high approval-rate positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
HighRiskPay.com social profiles
Digital presenceHighRiskPay.com compliance and trust
Trust signalCompliance3 records
HighRiskPay.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
HighRiskPay.com leadership team
Management profileNumber of profiles
Profiles1 record
HighRiskPay.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HighRiskPay.com M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HighRiskPay.com
What does HighRiskPay.com do?
HighRiskPay.com provides high-risk merchant accounts and payment gateway services to businesses classified as high-risk by mainstream processors such as PayPal, Square, and Stripe. The platform enables merchants in regulated and elevated-risk verticals (adult, CBD, firearms, subscription, travel, nutraceutical, gambling, and others) to accept credit cards, debit cards, ACH, and eCheck payments. Supporting offerings include a chargeback prevention program, high-risk ACH processing, high-volume merchant accounts, bad credit merchant accounts, POS terminals, mobile payment processing, a surcharging program, and fraud protection services, integrated with major e-commerce platforms.
Is HighRiskPay.com a public or private company?
HighRiskPay.com is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was HighRiskPay.com founded?
HighRiskPay.com was founded in 1997. It employs 1 to 10 people.
Where is HighRiskPay.com based?
HighRiskPay.com is headquartered in Ladera Ranch, United States, in the North America region.
How does HighRiskPay.com make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are merchant Account Services.
Who are HighRiskPay.com's main competitors?
Direct peers on record are Instabill, FlagPay, PaymentCloud, SMB Global, Durango Merchant Services, PayKings, Easy Pay Direct, ECS Payments, eMerchantBroker and Soar Payments.
Does HighRiskPay.com have an API?
No public API is recorded for HighRiskPay.com.
What industry is HighRiskPay.com in?
HighRiskPay.com's product category is High-Risk Payment Processing. Its primary akta.pro industry code is FSAMABAE, High-Risk / Specialty Merchant Acquirers, with a secondary code of MPAEALAA, Card & Alternative Payment Processing (PSPs, Acquirers, Aggregators). Its NAICS code is 522320.