One flexible payments partner for cards, ACH, digital wallets, and specialized merchant categories—with responsive support from application through settlement.
Some business models require more context than a standard online application can provide. We help legitimate merchants navigate specialized underwriting and build a stable, compliant path to accepting payments.
We look beyond a category label to understand your business model, operating history, and processing needs.
Monitoring and dispute support help your team stay informed, respond promptly, and protect account health.
Your payments relationship does not end at onboarding. Our team remains available as your business grows.
Start by contacting your customer. If the dispute cannot be resolved directly, our team will formally challenge the chargeback and keep you informed through resolution.
Contact your customer and ask them to withdraw the dispute directly.
If they won't cancel, our team formally disputes the chargeback for you.
The issuer rules. You'll always know the outcome.
Please note: if a dispute is ultimately lost, a $50 fee is applied per chargeback.
No hidden fees, no surprise line items. Because no two businesses are alike, every rate is built around you — and we walk you through it personally.
Pricing is tailored to your business and reviewed with you before you commit.
Tell us about your business and we'll get you a decision — usually within 24–48 hours for alternative modes. No long forms, no runaround.
A few details to start — we'll follow up for documents only if needed.
Been declined before? Tell us — it helps us place you correctly.
Get your rate and terms before you commit to anything.
Complete our secure online application to get started. It takes about 10 minutes — have your business details and ownership info handy.
You'll also send a driver's license copy and a voided check (or bank letter), which we request separately.
A business is typically labeled high-risk due to its industry, chargeback history, business model (like subscriptions), or being newly established. Industries like gaming, CBD, travel, adult, and credit repair are common examples. We specialize in approving these.
Most applications receive a decision within 24–48 hours for alternative modes. Submitting complete information and any requested documents up front is the fastest path to approval.
As a full FinTech platform, you can accept all major credit and debit cards plus Venmo, PayPal, CashApp, Google Pay, Apple Pay, and ACH bank transfers — all in one place.
We ask that you first reach out to your customer to resolve the issue and request they withdraw the dispute directly. If they won't cancel it, our team steps in to formally challenge the chargeback on your behalf. If the dispute is ultimately lost, a $50 fee applies per chargeback. See the Handling Chargebacks section above for the full process.
We believe you shouldn't need a financial degree to understand what you're paying for. Because every client's needs are unique, we work with you to build a custom plan with highly competitive, low rates. Most importantly, we promise absolute transparency: no hidden fees, no surprise line items, and an ethical approach to business that puts your bottom line first.
Not necessarily — many merchants run us alongside an existing setup or use multiple MIDs to balance volume. We'll recommend the best structure during onboarding.
No long-term contracts here. We want you to partner with us because you love our service, not because a piece of paper forces you to.
Have questions before applying? Reach out and a payments specialist will help you find the right fit.