99% Approval Rate

When Other Banks Say No,

We Say Yes

Get approved for high risk merchant accounts (CBD, adult, gaming, etc.) in days with low fees & chargeback protection. Trusted by 2,500+ businesses. Start now!

Get Started Today

We Integrate With Many Shopping Carts

Trusted. Proven. Secure

High Risk Merchant Account & Payment  Processing Solutions

Operating in a high risk industry shouldn’t limit your potential. At Payment Servers, we specialize in high risk merchant accounts that provide fast, secure, and dependable payment processing tailored to your business. Our expert team partners with you to ensure smooth transactions and long term stability so you can stay focused on growing while we handle the complexities.

Secure Processing

At Payment Servers, we offer robust payment security designed specifically for high risk businesses. From end to end encryption to advanced fraud protection, your transactions are safe with us every time.

Fast Integration

Integrate with ease. Payment Servers supports quick, hassle free integration with your existing websites, shopping carts, and CRMs so you can start processing payments without delay.

Excellent Support

Our experienced team at Payment Servers knows the ins and outs of high risk industries. Get personalized support and expert guidance whenever you need it, from setup to scaling.

What We Do

High Risk Payment Gateway

At Payment Servers, our high risk payment gateway is built to protect your business with smart, secure credit card processing. We combine advanced fraud prevention with tailored gateway solutions designed for high risk industriesensuring safe, seamless transactions every time.

Credit Card Chargebacks

High chargeback volumes can put your business at riskbut Payment Servers helps you stay protected. Our high risk merchant accounts come equipped with proactive tools to detect, prevent, and manage disputes before they impact your bottom line.

Trusted. Proven. Secure

High Risk Merchant Account & Payment  Processing Solutions

Specialized solutions for secure payments and smart risk controlso your business can thrive.

CBD & Cannabis

Reliable high risk payment processing tailored for CBD and vape businessescompliant, secure, and built for scale.

Adult/ Dating

Discreet, secure payment solutions designed for adult and dating businessesno judgment, just reliable processing.

Peptides

Specialized merchant accounts for peptide vendorsensuring compliant, stable, and seamless transactions in a regulated space.

Ecommerce Drop Shipping

Fast, flexible payment solutions built for high volume dropshipping streamlined, scalable, and globally ready.

Travel

Secure and dependable payment processing for travel businesses designed to handle high ticket sales and complex risk profiles.

Credit Repair

Compliant, high risk payment processing tailored for credit repair businessessecure, stable, and trusted by the industry.

How It Works

Get Approved & Processing  in 3 Simple Steps

We’ve simplified the processno endless paperwork or delays. Just submit your application, get fast approval, and start accepting payments with ease.

Apply

Online

Get

Approved

Start

Selling

Find the Right Partner. It Pays.

Frequently Asked Question

Have questions? We’ve got answers. Explore our most common inquiries to better understand high risk processing and how Payment Servers can support your business.

Why was my business labeled high risk?

Your business may be considered high risk if it operates in industries prone to fraud or disputes (e.g. CBD, adult, gaming, travel), has a high chargeback rate (typically above 1%), processes high-ticket or international transactions, offers recurrences or subscriptions, is new or has poor credit, or has appeared on the MATCH/TMF list.

What is a high risk merchant account?

A high‑risk merchant account is a payment processing solution tailored for businesses with elevated fraud or chargeback risk. Compared to regular accounts, it involves stricter underwriting, higher fees, possible rolling reserves, and tighter contract terms.

How long does it take to get approved?

Approval typically takes 1–3 business days for initial review and 3–7 business days for full underwriting. Delays may occur if documentation is incomplete, unclear, or missing financial history.

Can I get approved if I’ve been declined before?

Yes. Many providers specialize in previously declined merchants. Success depends on addressing prior issues, being transparent about your business model, and submitting clear documentation like financial statements or processing history.

Why Choose Us

How We are Different?

As business owners ourselves, we understand the challenges of managing cash flow and staying profitable. That’s why at Payment Servers, we simplify the payment process and empower you with the knowledge and tools to maximize your savings.

We start by analyzing your current processing statement and fees, then present tailored, cost saving solutions that fit your business. Once you’re on board, we continue to monitor your account for new opportunities to save even after onboarding.

Approval Rate

Business Support

Merchants Approved

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Testimonial

What Customer Says

    
 
 
       Posted on Google  
   
   Mackenzie Hamilton-Bhola 
 
 
 
 Trustindex verifies that the original source of the review is Google. After more than a decade with Bank of America, we struggled with an ongoing issue they refused to address. A nearby business recommended Payment Servers, and Stan and his team transformed our operations. They upgraded our systems seamlessly, saving us over $1,500 a month in fees. We couldn’t recommend their service more highly!
  
 
      Posted on Google  
   
   isaac mor 
 
 
 
 Trustindex verifies that the original source of the review is Google. Moving to Payment Servers has been a game-changer for our business. We used to be with Stax, but switching to Payment Servers made everything so much easier and more efficient. The process was smooth, and their team has been incredibly helpful and hands-on, making sure we have everything we need
  
 
      Posted on Google  
   
   Charley Brown 
 
 
 
 Trustindex verifies that the original source of the review is Google. After my merchant account was unexpectedly shut down, I contacted Stan at Payment Servers. Within 24 hours, he secured a new account and got everything up and running smoothly. He even went the extra mile to set up the gateway on the backend, ensuring everything operated seamlessly. I highly recommend using them for all your payment processing needs.
  
 
      Posted on Google  
   
   Anna Murtagh 
 
 
 
 Trustindex verifies that the original source of the review is Google. As a small business owner I would highly recommend Brett Osinski he is very professional, reliable and knowledgeable always there when you need him, I would give him a 100 stars. My husband and I are so happy and very pleased ! Thank you again Brett for making it so easy.
  
 
      Posted on Google  
   
   David 
 
 
 
 Trustindex verifies that the original source of the review is Google. Just an amazing company with great service.  Their merchant credit system makes taking credit cards easy, giving me one less thing to worry about in running my business
  
 
      Posted on Google  
   
   ula somwaru 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am very satisfied with the service   Would highly recommend  to small businesses
  
 
      Posted on Google  
   
   Jessica Schindler 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our company is very happy that we switched to payment servers. The system is very easy to use and has many capabilities. Customer service is great and we are very pleased.
  
 
      Posted on Google  
   
   Muse Partica 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brett at Payment Servers has been amazing. From helping with the right equipment.  Very helpful and took the time to make sure my account was setup correctly.   I can honestly say, if he was in a meeting or helping another client.  He would text to see if I was available so he could help me with my Clover.  I could not ask for a better representative.  Someone who really cares about his clients.
  
 
      Posted on Google  
   
   Michael d'Oliveira 
 
 
 
 Trustindex verifies that the original source of the review is Google. This is a great company that took care of everything I needed and knew exactly what to do, so I didn't have to be asked 20 questions.
  
 
      Posted on Google  
   
   Buck Dunn 
 
 
 
 Trustindex verifies that the original source of the review is Google. Really good people here. Excellent service and always immediate response. Highly recommend to anyone, especially small business owners.