Power your business with fast payouts, unlimited volume, and reliable funding without delays.
No setup fees
Daily payouts
24h approvals
4.8 of
5.0 stars
No setup fees
Daily payouts
24h approvals
4.8 of
5.0 stars
Featured in
Designed for growth
Simplifying payments for high risk merchants in 100+ industries.
A high risk merchant account is a specialized payment processing account designed for businesses that operate in industries with a higher risk of chargebacks or fraud than traditional businesses. Once a business is classified as high risk, securing payment processing can be expensive or even completely out of reach with traditional financial institutions. That’s where TailoredPay comes in.
We guarantee to beat any payment processing rate offered by a qualified competitor. If you find a lower rate for comparable services, simply show us the offer and we will beat it while providing you with the same high-quality service and features that set us apart.
All your needs, one provider
Seamless payments with our all-in-one solution
TailoredPay’s merchant accounts are custom-tailored for high risk industries, with fraud prevention, chargeback mitigation, and approval rate optimization built in.
Integrate within minutes using developer-friendly APIs
Connect with industry-leading payment gateways to optimize your workflow and streamline your payment processing.
Accept payments, anywhere
Our virtual terminal converts any computer into a fully functional card terminal. Seamlessly process payments, including credit cards, debit cards and electronic checks, both online or over the phone.
Built-in chargeback and fraud detection
Leverage AI-powered solutions to prevent fraudulent transactions, minimize chargebacks and safeguard your revenue. Our payment platform provides real-time monitoring, adaptive machine learning, and customized risk analysis to protect every aspect of your eCommerce operations, ensuring a seamless and secure experience for both you and your customers.
How it works
Set up your high risk merchant account in 3 easy steps
1
Apply online within minutes
Complete our online application in less than 10 minutes. Secure and straightforward.
2
Get an instant quote
Once your application is submitted, an expert underwriter will review the details and provide an update within 24 hours.
3
Start processing
Our onboarding team will assist with the payment gateway setup so you can start accepting payments right away.
Amazing Service. The process was very easy to sign-up. Daniel at Tailoredpay was on top of his game! He made sure we were taking care of no matter what!
Thank you so much! I highly recommended Tailoredpay!
Marcus Phelps
High Risk - No Problem
I own and operate an online company that is considered “high risk.”This was not an obstacle with Tailored Pay. They went above and beyond to provide the best rates with the best acquirers for my business. I definitely recommend any merchant to work with Tailored Pay.
Travis Johnson
Our representative was great he’s very…
Our representative was great he’s very person centered which made our business experience terrific
Carlotta H.
Great so far
Great so far. Processing is working well and my representative is very helpful and surprisingly responsive.
Wayne H.
Communication was great and they…
Communication was great and they offered the lowest rate for our industry. I was talking to many different providers but TailoredPay offered many incentives, I do not regret it. Highly recommending using TailoredPay!!
Leonard
Great Company easy communication and…
Great Company easy communication and great rates
Amer
Industry guides & tips
Learn more about merchant services and high risk merchant accounts.
We support you at every stage — from onboarding to deployment — offering 24/7 assistance via phone, email, and chat. Access additional resources directly in your dashboard and benefit from personalized recommendations to help your business grow.
Frequently asked questions, answered.
A business is deemed high risk when banks see a greater chance of chargebacks, refunds, or regulatory scrutiny. This often pushes companies toward high risk payment processing rather than traditional merchant processing accounts. Factors include industry type, sales model, and previous processing history.
High risk payment processors take on more exposure, which is why monthly fees and transaction fees tend to be higher than those for low risk merchant accounts. Pricing also depends on volume, chargeback ratios, and the type of products or services being sold. Each provider evaluates risk differently, so quotes can vary.
Yes, but underwriting is a bit more thorough for higher risk businesses compared to low risk ones. Providers review financial history, processing statements, and compliance documents before approval. Once everything is in place, high risk processors can usually move forward and approve an account within 1-3 business days.
Traditional merchant processing accounts work well for stable, low risk industries such as restaurants or brick-and-mortar stores, while a business deemed high risk needs a provider experienced with tougher approval criteria and elevated chargeback exposure. High risk payment processing typically includes more oversight, stricter monitoring, and stronger fraud controls. These factors help protect both the business and the processor.
Not always, although high risk merchant account providers usually build pricing around the industry’s risk profile. Some sectors pay higher monthly fees and transaction fees due to regulatory checks or higher dispute rates. Businesses with cleaner histories may qualify for more flexible pricing.
Yes, some merchants may be considered higher risk at the start and later transition to medium or even low risk once they establish consistent processing history and maintain low chargeback ratios. Banks want to see solid performance over time, and once that’s in place, pricing and terms can improve.
A processor that specializes in high risk accounts understands industry rules, reserve requirements, and underwriting steps that more traditional providers usually don’t accommodate. They can structure the account around the needs of a high risk business, which helps prevent sudden closures and gives the merchant more long-term stability.
Most merchant account providers ask for basic business and identity documents to verify who you are and how your company operates. This usually includes a government-issued ID, business registration papers, recent bank statements, and details about your product or service. For higher risk setups, underwriting may also request processing history, supplier invoices, or marketing materials to confirm how payments are being collected.
With most providers, yes, they typically require an SSN during onboarding. With TailoredPay, an SSN is not needed. We only require an EIN and a US-registered company to get started.
