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888.807.2889
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  • Risk Mitigation
  • Tailored Solutions

High-Risk Merchant Account Services

Chargebacks, fraud, and currency challenges can disrupt your business and threaten your bottom line. Strengthen your payment processes with the most trusted partner for managing your high risk merchant account.

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High-Risk Payments Keeping You Up At Night?

High-risk payments, especially in credit card processing present distinct obstacles that can jeopardize your business’s stability. At PayCompass, we tackle these complexities head-on, ensuring that each transaction is secure, compliant, and efficient. Our commitment to safeguarding your high-risk merchant processing account helps maintain customer trust and supports smooth, uninterrupted operations.

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Your Partner in Payments, Your Path to Growth

At PayCompass, we do more than process payments—we power your success. As a trusted partner to thousands of businesses, we provide the technology, support, and expertise to help you scale with confidence. Whether you’re growing your revenue, expanding your customer base, or optimizing operations, we’re with you every step of the way.

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$5bn+
Processed
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6,000+
Accounts
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300+
Nationwide Agents

Why Choose PayCompass?

1

High Risk Expertise:

We specialize in high risk merchant accounts with over $3 billion processed internationally for both ecommerce and physical stores.
2

Competitive Fee Structure:

No surprise charges and competitive fees – we find a payment flow that works for your high risk business and encourages growth.
3

Secure & Reliable:

Leave compliance to us – we ensure industry standards are met along with both fraud and chargeback protection.
4

Customized Solutions:

We don’t fit your high risk needs into a box, but instead use our large network of partners to tailor a solution for your business.
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“Before PayCompass, the fees weren’t great. Payment settlements typically posted 24 hours after close.”

PayCompass came in and asked to see our statements and what kind of fees we were paying with our processor – and, long story short, they were able to cut our fees significantly.

We get paid in a timely fashion. We don’t have any delays. We don’t have any problems. That was about 11 years ago, and we’ve been with them ever since.

— Mark Williams
Owner of Yota Pros
“When we first bought Gold Bar, 10% of the business was credit cards. And, now, 23 years later, 10% of the business is cash.”

With our new POS system [provided by PayCompass], we can track sales hour-by-hour. I can be out and pull it up on my phone and see if the girls are having a busy hour, busy afternoon, or busy morning.

I can easily say, ‘Gosh, it looks really quiet. Why don’t one of you guys go home?’ or ‘Hey, it’s really busy, you need some help, so I’ll show up.

—Karen Miller
Owner of Gold Bar Espresso
“PayCompass really revolutionized how we work with our customers and employees.”

We have 1800+ items with barcodes in our store. Misay, our PayCompass Agent, came into the picture and scanned all of them, and now it’s way easier to sell to our customers.

We used to have a lot of cash – big jugs of pennies, quarters, nickels, dollar bills – but now we’ve moved on to credit cards and Apple Pay. People pay with their watches now. It’s cool to see.

—Hazem Awawdeh
Owner of El Paisano’s
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How It Works

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Minutes to Apply

We’ve streamlined our application process with minimal form fill-outs. No delays, just a smooth and hassle-free setup with our helpful team of high risk merchant experts.
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Fast Approval

We’ll help guide with transparent feedback and clear terms and conditions. No surprises, we’re here to help you get approved fast!
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Accept Payments

Easily integrate with popular gateways and start processing payments with ease and confidence. Monitor all payments in real-time on one unified platform and minimize chargebacks with proactive measures.
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Secured & Growing

Rely on our expert support team for compliance assurance, we’re always here to help. With high risk payment worries out of the way, focus your time and energy on scaling your business.

About Our Services

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High Risk Payment Gateway

On your business’s front line for processing secure online payments – no matter the risk level. Our high risk payment gateway authorizes and secures high risk payment data and secures the transmission processing.
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High Risk Payment Processor

On your business’s front line for processing secure online payments – no matter the risk level. Our high risk payment gateway authorizes and secures high risk payment data and secures the transmission processing.
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Top Industries We Serve

Travel
Travel
Prone to high chargeback rates, large transactions, industry volatility, and international regulations that complicate payment processing.
Subscription Based Services
Subscription Based Services
Vulnerable to dispute charges for non-use or subscription fatigue. This high churn rate can lead to a higher volume of chargebacks.
Tobacco
Tobacco
Vulnerable to dispute charges for non-use or subscription fatigue. This high churn rate can lead to a higher volume of chargebacks.
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Our High-Risk Payment Solutions

Our POS (point of sale) high-risk payment processing solution integrations include:

  • Virtual Terminal
  • Mobile
  • In-store retail
  • e-Commerce
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Don’t let these challenges disrupt your business and impact your bottom line.

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Fraud Risks:

Our state-of-the-art fraud detection technology proactively identifies suspicious transactions in real-time – helping you prevent chargebacks before they impact your business’ profit.
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Chargebacks:

Frequent chargebacks on your high risk merchant accounts can strain your financial performance and disrupt your operations. Each chargeback not only results in financial losses but also puts your relationship with payment processors at risk.
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Multi-Currency Transactions:

Managing multi-currency transactions complicates high-risk payment processing. Dealing with different currencies and exchange rates can lead to errors and inefficiencies
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Complex International Payments:

Using a high risk payment gateway for international transactions adds layers of complexity. Ensuring secure and seamless high-risk credit card processing in multiple countries is critical to maintaining smooth operations.

High-Risk Payments Need High-Performance Solutions

Seamless high-risk payment processing isn’t just a task—it’s a necessity. Your customers expect secure, reliable transactions. Any failure in this area can have far-reaching consequences for your business.

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    Revenue Loss:

    Inadequate management of your high-risk payment gateway can lead to substantial revenue loss. Inefficient high-risk credit card processing and high chargeback rates can cause financial setbacks and additional costs, impacting your overall business.
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    Damaged Customer Trust:

    Unreliable credit card processing for agencies can hurt your customer trust. If your agency credit card processing is not secure, clients may lose confidence, impacting your reputation and making it harder to keep and attract customers.
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    Operational Disruptions:

    Mismanagement of your high-risk merchant account can disrupt your operations. Issues with high-risk credit card processing can cause delays and errors, affecting the efficiency and reliability of your services.
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    Necessity of Seamless Processing:

    Ensuring seamless payment processing is crucial for maintaining business continuity. Your customers expect secure and dependable transactions, and failing to deliver on these expectations can have significant consequences for your business.
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Transform Your Payment Challenges into Competitive Advantages

Upgraded Payment Solutions


Upgrade your business’s payment operations with PayCompass. We understand the intricate demands of the payment industry, where managing high-risk transactions can be a significant challenge. Our specialized high-risk merchant services are designed to address the specific needs of your business, ensuring secure, compliant, and efficient payment processing. With PayCompass, you can confidently manage fluctuating payment volumes and minimize chargebacks, all while streamlining your financial operations.
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Strategic Advantages

At PayCompass, we offer payment solutions and a strategic advantage. Our advanced payment gateway is engineered to simplify the complexities of high-risk transactions, allowing you to maintain focus on delivering exceptional experiences. By partnering with us, you gain access to cutting-edge technology and industry expertise that elevates your operational efficiency and mitigates financial risk. Trust PayCompass to manage your high risk merchant accounts, so your agency can continue to thrive and excel in a competitive marketplace.

Expert Payment Solutions

Join over 6,250 merchants worldwide who trust PayCompass for expert payment solutions. Whether you need specialized high-risk merchant accounts or advanced payment processing tools, we’re here to simplify the complexities. Let us handle the intricate details, so you can stay focused on what you do best.

Get in touch with us today for a consultation or subscribe to our high-risk merchant services, and experience the difference that streamlined payment solutions can make in empowering your business to thrive.

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Revolutionize Your Payment Solutions

Join over 6,250 merchants worldwide who trust PayCompass for expert payment solutions. Whether you need specialized high-risk merchant accounts or advanced payment processing tools, we’re here to simplify the complexities. Let us handle the intricate details, so you can stay focused on what you do best.

Get in touch with us today for a consultation or subscribe to our high-risk merchant services, and experience the difference that streamlined payment solutions can make in empowering your business to thrive.

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888.807.2889
email
info@paycompass.com

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Note: PayCompass is not a lending institution and does NOT issue personal credit cards or loans.

Frequently Asked Questions

High risk merchant accounts are bank accounts tailored for businesses that are at risk for chargebacks or fraud. At PayCompass, we specialize in providing tailormade solutions that ensure smooth operations for high-risk merchants.

High-risk payment processors are a specialized service for businesses that accept payments from high-risk industries, such as travel services or subscription-based businesses. Clients from such industries are classified as high-risk merchant accounts. These are considered much riskier than standard accounts. With a high risk payment processor, they have advanced tools that help manage fraud, chargebacks, and compliance requirements. This is all in place to ensure that high-risk businesses can accept these payments without the worry of any disruptions. At PayCompass, we excel in delivering reliable, secure, and customized payment solutions for businesses that are facing these challenges.

Yes, you can get a merchant account with bad credit. We offer high-risk merchant accounts to business owners regardless of your past credit challenges. We believe those past hurdles shouldn’t keep you from running your business effectively. Get in touch with us today to go over multiple factors that go beyond mere credit scores.

The rates for high risk merchant accounts will vary. They depend on your business type, industry risk level, and transaction volume. With PayCompass, our goal is to work with you to provide competitive pricing that’s tailored to your business’ needs.

The fees and rates to keep in mind may include:

Setup fees: A one-time cost to establish your account.
Transaction fees: A percentage or flat fee per transaction, often between 3%–5%.
Monthly maintenance fees: Regular costs for maintaining the account.
Chargeback fees: Costs associated with handling disputed charges.

With PayCompass, your approval process can be completed quickly. In fact, with us, it can be completed in 3-5 days. Here’s how it works:

1. Submit your business information
2. PayCompass evaluates your business’s risk level
3. Collect & review necessary business documents for your application
4. Once approved, we’ll set up your account and help integrate high-risk payment processing solutions