High-risk business?
A better way
to get paid.
A declined application shouldn’t define your business. Explore payment processing options with specialists who understand what you do.
Your industry.
Our starting point.
Different businesses have different payment needs. Find the right conversation for yours.
Your business doesn’t fit a box? That’s a good reason to talk.
Had trouble
getting approved?
A decline can come down to your industry, the way you bill, or how you deliver your product. It doesn’t have to end your search for payment processing.
ProudPay helps you explore merchant account options with specialists who look at how your business actually works.
Some businesses need a closer look.
These factors can affect the account structure and underwriting your business needs. A specialist review helps make the next steps clearer.
Sound familiar?
- Your application was declined without a clear path forward.
- Your existing processor no longer supports your business.
- You need payments that fit a more complex business model.
Payment options.
Built around you.
Build your payment setup around how you do business, with options for cards, bank payments, and everyday transactions.
High-risk
merchant accounts
Get a closer look at your business from specialists in complex and hard-to-place accounts.
- Industry-specific account review
- Application guidance
- Chargeback support options
ACH payment solutions
Explore an alternative way to accept eligible customer payments directly from bank accounts.
- Bank-to-bank transactions
- Recurring payment options
- Business-specific review
Payment gateways & POS
Find a payment setup for your website, storefront, or the way your team takes orders.
- E-commerce payment gateways
- Virtual terminal options
- Point-of-sale solutions
Availability, pricing, and account terms depend on your business and underwriting.
Three steps.
One clear direction.
A simple starting point, a specialist review, and a clearer picture of your processing options.
Tell us what you need
Share your industry, processing volume, and the best way to reach you.
Talk through your options
A specialist reviews your needs and guides you through the application requirements.
Choose your next step
If approved, review your terms and complete onboarding for your payment setup.
Let’s talk through your options.
Your business is more than an industry label. What you sell, how customers pay, and the challenges you’ve faced all matter.
Tell us what’s working and what needs to change. We’ll help you explore a next step with our payment processing partners.
Tell Us About Your BusinessTell us about
your business.
Share what you sell, how you take payments, and what you’d like to change. If a processor has declined or closed your account, let us know what happened.
- Review built around your business
- Guidance from payment specialists
- No obligation to accept an offer
What happens next?
ProudPay or one of our payment processing partners may get in touch to understand your situation. You can ask questions, talk through possible options, and find out what an application would involve.
Good questions.
Clear answers.
Clear answers about high-risk merchant accounts and what happens next.
Can you help if another processor declined me?
A previous decline doesn’t automatically rule out other options. A specialist can review your business and the reason for the decline to assess whether a different processing relationship may fit. Approval isn’t guaranteed.
What makes a merchant account high-risk?
Your industry, billing model, transaction size, delivery timeline, and processing history can affect how a provider evaluates your business. Some accounts need additional underwriting or a different account structure.
How much does payment processing cost?
Pricing depends on your business, processing volume, industry, and underwriting. Review transaction rates, account fees, any reserves, and settlement schedules before accepting an offer.
Can I apply if my business is new?
You can request a review as a new business. A specialist will explain what documentation is needed and whether there are options for your industry and business model.
How long does an account review take?
The time depends on your business, the documents required, and underwriting. Your specialist can set expectations after reviewing your situation.
What if my current account was closed?
Share the reason for the closure and any processing history you have. A specialist can assess your situation and explain possible next steps. Availability depends on the underlying circumstances and underwriting.
Who reviews my request?
ProudPay and our payment processing partners review your business needs. A payment specialist can discuss suitable options, explain the application requirements, and help you understand the next steps.
Build your business.
Let’s work on the payments.
Your next processing option starts with a conversation.