Specialists in high-risk payment processing and funding.
Direct banking relationships and deep category expertise across specialized, high-risk industries. Built for operators who need a processor that understands their business.
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Trusted by
- CBD Retailers
- Kratom Sellers
- Smoke Shops
- Firearms Dealers
- Adult Businesses
- Nutraceuticals
As Featured IN
OUR SERVICES
Three financial services built for businesses in high-risk industries.
Everything your business needs to accept payments, finance growth, and offer customers flexible payment options. Built for industries the rest of the financial system declines to serve.
01 - Processing
Merchant Accounts.
Get paid by your customers.
High-risk payment processing for retail, ecommerce, and mobile transactions. Specialized underwriting through a network of acquiring banks built for restricted industries. Approval within a week, 1-2 days for most accounts.
02 - CAPITAL
Business Funding.
Capital for what's next.
Equipment financing, lines of credit, merchant cash advances, asset-based lending, and accounts receivable financing. Built for high-risk operators that traditional lenders systematically decline.
03 - PROPRIETARY
Adrodex.
B2B Buy-Now-Pay-Later
The only B2B BNPL platform built specifically for regulated industries. Offer your business customers payment flexibility without carrying the risk yourself. Built for the categories Affirm and Klarna won't serve.
Payment processing & funding built for high-risk industries.
Our work spans the full range of high-risk industries, every category that mainstream banks systematically decline to underwrite. The examples below represent some of the industries we serve most often, but the list is far from exhaustive. If your business operates legally in a category that gets routine pushback from traditional processors, we likely already work with someone in your space.
CANNABINOID
Cannabinoids
CANNABINOID
CBD
CANNABINOID
THCA
CANNABINOID
THCP
PLANT-BASED
Marijuana
PLANT-BASED
Kratom
PLANT-BASED
Kava
PLANT-BASED
Legal Mushrooms
SUPPLEMENTS
Nutraceuticals
SUPPLEMENTS
Peptides, SARMs & RUO
VICE
Vape
VICE
Adult
VICE
Guns & Firearms
BUSINESS MODEL
Continuity Subscription
BUSINESS MODEL
Drop Shipping
DIGITAL
SaaS
DIGITAL
Tech Support
DIGITAL
Online Gaming
DIGITAL
Credit Repair
YOUR CATEGORY
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INDUSTRIES WE SERVE
INTEGRATIONS
Works with your gateways and ecommerce platforms.
Direct integration with major payment gateways and the ecommerce platforms that connect to them. If you're running something custom, we likely support that too.
How It Works
The high-risk merchant account approval process
A walkthrough of the seven steps from application to approval. All accounts approved within one week. No paperwork, no endless back-and-forth between you and the bank.
01. Tell us how customers connect with you.
Business address, phone, email, and website. The basics acquiring banks need to very your operations.
02. Tell us how the government identifies your owners.
Owner ID and SSN. Required by U.S. banking regulations for identity verification – no personal credit checks.
03. Tell us where to send the funds.
A voided business check or bank letter confirms the deposit account.
04. Tell us how your business is registered.
Articles of Incorporation and IRS EIN letter. Standard business formation documents.
05. Show us your recent business activity.
Three months of business bank statements, plus merchant statements if you have them.
06. Tell us how your business performs.
Average ticket, high ticket, and projected monthly volume. Helps us match you with the right banking partner.07. Approval
Approved within one week. Most accounts approved in 1-2 business days. We send a digital application link for e-signature.
FREQUENTLY ASKED
Common questions about high-risk merchant accounts and business funding.
Direct answers to the questions we hear most from business owners exploring high-risk payment processing or business funding for high-risk industries.
01. What qualifies as a high-risk industry?
High-risk industries are categories that traditional banks and payment processors decline to underwrite because of perceived chargeback risk, regulatory complexity, or industry reputation. This includes cannabinoid products like CBD and THCA, kratom and kava retailers, peptides and research-use-only supplements, vape and adult products, nutraceuticals, online gaming, credit repair, continuity subscriptions, drop shipping, SaaS, and many others. A business doesn't have to be doing anything illegal to be classified high-risk — most operate fully legally but exist in categories the mainstream financial system avoids.
02. How long does merchant account approval take?
All accounts approved within one week. Most accounts approved in 1-2 business days. Approval timeline depends on your business category and how quickly you provide the required information — businesses with complete documentation and existing processing history typically see the fastest approvals.
03. Why was my account terminated by Stripe, PayPal, or Square?
Mainstream processors like Stripe, PayPal, and Square periodically review their merchant portfolios and terminate accounts in categories they no longer want to underwrite. This often happens with no warning when a business is flagged by their risk algorithms or when the processor decides to exit a category entirely. The termination usually isn't about something you did wrong — it's about the category you operate in. A high-risk specialist places you with acquiring banks that have committed to your industry long-term, so this doesn't keep happening.
04. Do I need perfect credit to be approved?
No. We approve nearly 100% of legally operating businesses, regardless of personal credit. Underwriting for high-risk merchant accounts focuses on the legitimacy of your business, your category, your processing history, and your ability to operate compliantly — not your personal FICO score. Your Social Security Number is required by U.S. banking regulations for identity verification, but it's not used for personal credit decisions in most cases.
05. Do you charge any fees before approval?
No consultation fees, application fees, or setup fees. We only earn when we successfully place you with a payment processor or financing partner. If we can't get you approved, you don't owe us anything.
06. What's the difference between a merchant account and Adrodex?
A merchant account lets your business accept payments from your customers through credit cards, debit cards, and ACH. Adrodex is a separate proprietary platform that lets you offer your business customers Buy-Now-Pay-Later financing — meaning they can purchase from you now and pay over time, while you get paid upfront. Most businesses need a merchant account; businesses selling to other businesses (B2B) often benefit from adding Adrodex.
07. Will my processing rates be higher because I'm in a high-risk industry?
Rates in high-risk categories are typically higher than low-risk processing because acquiring banks price risk into their fees. That said, established specialist firms often negotiate more competitive rates than generic high-risk processors because of long-standing bank relationships and volume across multiple high-risk categories.