Pricing for high-risk merchant accounts.

Transparent by vertical. No setup fee, no monthly minimum, no long-term contract. Rate ranges below are firm — your specific quote lands inside the range for your sub-vertical based on volume, chargeback history, and geographic mix. Underwriting returns a decision and firm rate in 48 hours.

Rate ranges by vertical

All rates are quoted as discount rate + interchange (interchange-plus pricing). Established merchants above $250k/mo with 12+ months clean processing history typically land at the low end of each range.

Non-rate costs

"Industry typical" based on publicly disclosed fee schedules from major US-facing high-risk processors as of 2026. Individual providers vary.

Crypto rail pricing

Crypto settlement (BTC, ETH, USDT, USDC) runs on a simpler model. One flat fee, no interchange, no chargebacks:

Crypto rail is available as the primary rail or as a complement to card processing. Many high-risk merchants route 30–70% of volume through crypto to reduce chargeback exposure and reserve holdings.

What affects your specific quote

1. Sub-vertical baseline risk. A licensed telehealth pharmacy at 2.8% is not the same product as a grey-market ED vendor at 6%. Sub-vertical classification is determined during underwriting.
2. Monthly processing volume. Rates compress at $100k/mo, again at $250k/mo, and again at $1M+/mo. The compression is real — meaningfully lower rate, not just a rebate.
3. Chargeback history. 12 months of processing statements showing under 0.7% chargeback ratio drops your rate meaningfully. History over 1% pushes you toward the top of the range and adds reserve.
4. Geographic mix. Domestic-only US processing is lower interchange than cross-border. EU-only merchants under PSD2 SCA typically see 30–50% lower chargeback ratios and get better rates.
5. Average ticket size. High-ticket merchants (over $400 AV) get lower reserves because per-transaction dispute cost is a smaller portion of volume.

FAQ — Pricing