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

Mackenzie Hamilton-Bhola

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!

isaac mor

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

Charley Brown

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.

Anna Murtagh

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.

David

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

ula somwaru

I am very satisfied with the service Would highly recommend to small businesses

Jessica Schindler

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.

Muse Partica

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.

Michael d'Oliveira

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.

Buck Dunn

Really good people here. Excellent service and always immediate response. Highly recommend to anyone, especially small business owners.

Partner With Us

Earn More While Helping Businesses Succeed

Referral Partners

Are you a business consultant, accountant, financial advisor, or industry group with trusted client relationships?

If so, you may be a great fit to join our Payment Servers Referral Partner Program.

Grow your income by referring clients to a processor you can trust.  We handle the heavy lifting. You earn residual revenue.

ISOs & Agents

Are you an ISO or agent looking to expand your offerings, close more deals, and reduce merchant attrition?

We specialize in high risk approvals, custom merchant solutions, and transparent support that makes you look good.

Partner with Payment Servers and build lasting revenue streams.  Support, speed, and real commissionsno games.

Rejected or Shutdown?  We can Help!

Get started today with a high risk payment solution tailored to your needs.

When Other Banks Say No,

We Say Yes

Get Started Today

High Risk Merchant Account & Payment Processing Solutions

Secure Processing

Fast Integration

Excellent Support

High Risk Payment Gateway

Credit Card Chargebacks

High Risk Merchant Account & Payment Processing Solutions

CBD & Cannabis

Adult/ Dating

Peptides

Ecommerce Drop Shipping

Travel

Credit Repair

Get Approved & Processing in 3 Simple Steps

Apply

Online

Get

Approved

Start

Selling

Find the Right Partner. It Pays.

Frequently Asked Question

​How We are Different?

What Customer Says

Earn More While Helping Businesses Succeed

Referral Partners

Are you a business consultant, accountant, financial advisor, or industry group with trusted client relationships?

ISOs & Agents

Are you an ISO or agent looking to expand your offerings, close more deals, and reduce merchant attrition?

Rejected or Shutdown? We can Help!

High Risk Merchant Account & Payment  Processing Solutions

High Risk Merchant Account & Payment  Processing Solutions

Get Approved & Processing  in 3 Simple Steps

How We are Different?

Rejected or Shutdown?  We can Help!