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888.807.2889
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  • Risk Mitigation
  • Tailored Solutions

Bad Credit Merchant Services

Don’t face the storm of chargebacks, fraud, and complex currency transactions alone. When others turn you away, PayCompass is here to help you with a bad credit merchant account that works.

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No Credit Check Merchant Account With PayCompass

High-risk payments present all kinds of obstacles – at PayCompass, we get these challenges. With our no credit check merchant account, we provide a lifeline that’s secure, compliant, and efficient, regardless of your credit history. We’re committed to safeguarding your account while supporting you with uninterrupted operations, giving you a chance to rebuild and thrive.

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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

Bad Credit Expertise:

With our bad credit merchant services, businesses with less-than-perfect credit have processed over $3 billion globally in over 170+ countries.
2

Competitive Fee Structure:

We believe in being transparent, no hidden charges and competitive fees, giving you a way to grow, even when you start from a tough position.
3

Secure & Reliable: Leave compl

Leave compliance to us – our bad credit merchant account adheres to industry standards, so you can focus on rebuilding your business.
4

Customized Solutions:

We don’t fit your high-risk needs into some generic box. Instead, we create a custom solution that fits your unique situation, giving you the chance to succeed.
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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.rnrnWe 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.rnrnI 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

Our quick online bad credit merchant account application comes with minimal requirements and is easy to fill and submit.
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Fast Approval

We recognize the challenges of high-risk industries with bad credit. We’ll work with you and be in touch within 3 to 5 business days. If not approved for bad credit merchant services, our experts will give you tips to increase your chances the next go around.
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Accept Payments

Even with bad credit, enjoy seamless payment processing – our expert team is here to guide you, so you can accept payments confidently.
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Secured Growth

Track your transactions in real-time, all on one unified platform. Our agents are on stand-by to help you with your bad credit merchant account anytime.

About Our Services

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Bad Credit Merchant Account Payment Gateway

With our bad credit merchant account gateway, count on secure, seamless payments that come with fast authorization and encrypted data transmission to protect your business and your customers.
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Bad Credit Payment Processing

Level-up your business with the ultimate payment solution made for high-risk merchants. PayCompass helps you reduce chargebacks and makes financial management easy, so you can set your sights on rebuilding.
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Bad Credit Merchants Need High Performance Solutions

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Fraud Risks:

We’ll keep your revenue safe with our no credit check merchant account. Rest easy with advanced fraud protection to minimize risk.
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Chargebacks:

PayCompass bad credit merchant services keep your bottom line safe while managing and reducing chargebacks.
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Multi-Currency Transactions:

With over $3 billion processed worldwide, we handle multi-currency payments while expanding your reach easily.
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Real Time Monitoring:

At PayCompass, you get real-time payment tracking with a bad credit merchant account that gives you complete control over your finances.
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World Class Support:

No matter what, our world-class agents are always here for you, providing guidance and support every step of the way.

Top Industries We Serve

Subscription Based Services
Continuity Subscription
With our no credit check merchant account, we streamline and secure recurring payments, minimize chargebacks, and keep your revenue stable, even with a history of credit challenges.
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Our Bad Credit Merchant Account Solutions

Our bad credit merchant account solutions include:

  • Virtual Terminal
  • Mobile
  • In-store retail
  • e-Commerce
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Transforming Bad Credit Challenges to Wins​

Upgraded Payment Solutions


Upgrade the way you do things with bad credit merchant services that are cutting-edge and custom to your unique business needs.
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Strategic Advantages

Consider yourself at an advantage with PayCompass – helping you navigate the challenges of bad credit, so you can rebuild your empire.

Expert Payment Solutions

Join over 6,250 merchants across the globe who trust PayCompass with payment solutions that empower businesses. We’re here to make challenges easier, so you can focus on what you do best. Reach out to us and apply for a no credit check merchant account so you can experience the difference with our streamlined payment solution.

Let us handle the complex details so you can focus on your business. Experience the difference our solution can offer, get in touch with us today!

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Scale Your Empire with High Volume Payment Services

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.

Call
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

A bad credit merchant account is an account that’s specialized for businesses with credit obstacles in their way. It offers secure, dependable payment processing that you can’t find with just a standard payment processing provider.

Many times, you’ll find that standard payment processors just won’t jive with someone due to their credit score. Because of this, business owners with credit challenges have a hard time thriving in their industry. At PayCompass, we don’t believe your credit score should hold you back. We understand the unique needs of high-risk merchants and provide custom solutions, fast approvals, and expert support. Importantly, we’re not your-run-of-the-mill standard high-risk payment processor either. With our tailored take on high-risk bad credit merchant services, you get the ultimate infrastructure that’s made for your situation and business.

Bad credit merchant account processing fees tend to vary. However, at PayCompass, we provide you with transparency and competitive rates. Here’s what you can expect with us:

Transaction Fees: These are fees charged per transaction, if it’s a high-ticket item, this could be higher.
Authorization Fees: A flat fee for each authorization request sent out.
Monthly Fees: With PayCompass, count on no monthly fees with our bad credit merchant services!
Chargeback Fees: We aim to reduce chargebacks, but these are costs incurred if a customer disputes a payment.

When you choose to work with PayCompass as your partner, we make sure that all costs are clear from the start. We have one goal and that’s to offer solutions that align with your situation and your business, so you can focus on growth and the epic future of your business.

At PayCompass, we take a look at each application on an individual level. We realize that a credit score doesn’t tell the whole story of your business. We’re much less concerned with your past credit challenges and more focused on your business’s potential and what you aim to do in the future. Here’s what makes our no credit check merchant account different from the rest:

We do an individual assessment: We don’t rely on your credit score. Instead, we look at factors like your business model and transaction history, giving businesses opportunities that traditional merchant account providers wouldn’t dare to.

We look at business potential: Our belief rests on giving businesses the chance to succeed no matter their credit.