Bad Credit Merchant Account
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.
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.
What Our Merchants Say
Jathan's expertise and Beth's dedication turned a stressful situation into a smooth and manageable process. They not only resolved my issue swiftly but also followed up to make sure everything was running perfectly afterwards. This level of service is rare to find in the merchant processing industry, and I am incredibly grateful for their support.
William ChievesJester Park 
Setting sail in May 2023, Travelomile faced a crucial challenge: securing a reliable payment gateway for its budding travel venture. Amidst the daunting task, PayCompass emerged as our trusted ally, swiftly accepting our application and providing invaluable guidance. With seamless integration, virtual cards, and unwavering support, PayCompass proved indispensable in our journey to success.
Nirmaljit SinghHead of Sales, Travelomile 
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.
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.
Secure &
Reliable:
Leave compliance to us - our bad credit merchant account adheres to industry standards, so you can focus on rebuilding your business.
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.
How It Works
Minutes to Apply
Our quick online bad credit merchant account application comes with minimal requirements and is easy to fill and submit.
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.
Accept Payments
Even with bad credit, enjoy seamless payment processing - our expert team is here to guide you, so you can accept payments confidently.
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
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.
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.
Industries Prone to Bad Credit That Trust PayCompass
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.
Dating
Trust matters in the dating industry, which is why we offer a secure, discreet, and compliant payment processing gateway, protecting your revenue and your client's sensitive information.
Sports Betting
With PayCompass, minimize risk and handle high-volume, fast-paced payments with strong security - especially when your credit history adds more risk. We handle this securely, reducing fraud and giving you stability in the bets market.
Cannabis
Our bad credit merchant account works in favor of the cannabis industry. We offer compliant, secure, and dependable payment solutions so you can grow your business.
Nutraceuticals
Building customer trust is a must in this industry. When you're working to overcome past credit challenges, we're here - offering clear and reliable payment solutions so your customers feel confident in their purchases.
CBD
There are many complexities to think about in the CBD industry which necessitates the need for a bad credit merchant services partner that understands them. We give you the secure, compliant, and stable processing tools you need to thrive.
Bad Credit Merchants Need High Performance Solutions
Fraud Risks:
We'll keep your revenue safe with our no credit check merchant account. Rest easy with advanced fraud protection to minimize risk.
Chargebacks:
PayCompass bad credit merchant services keep your bottom line safe while managing and reducing chargebacks.
Multi-Currency Transactions:
With over $3 billion processed worldwide, we handle multi-currency payments while expanding your reach easily.
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.
World Class
Support:
No matter what, our world-class agents are always here for you, providing guidance and support every step of the way.
Our Bad Credit Merchant Account Solutions
Our bad credit merchant account solutions include:
- Virtual Terminal
- Mobile
- In-store retail
- e-Commerce
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.
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 4,000 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!
Get Started Today
Scale Your Empire with High Volume Payment Services
Join over 4,000 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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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.
