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High-Risk Merchant Accounts
A quality-driven provider of high-risk merchant accounts — with low rates, real account stability, and over 90% of businesses approved.
Approved where the big banks decline you
Being labeled “high-risk” usually just means the major banks can’t board you — not that your business isn’t worth serving. Creditcard Payment Services specializes in exactly these accounts. Through relationships with multiple processors and banks, we quickly and easily approve over 90% of all high-risk businesses, and most merchants are up and running within 2–3 business days.
We’re a quality-driven provider focused on one thing: keeping merchants processing with low rates and genuine account stability — for the long term.
Why merchants choose CCPS for high-risk
Low rates, real stability, and a partner committed to your success.
Low, stable rates
Competitive pricing that stays put after you onboard.
Account stability
Multiple banking relationships keep your account open and processing.
Fast 2–3 day boarding
Most accounts are live within a couple of business days.
Alternative payments
Add eCheck and ACH to capture revenue cards can't.
90%+ approval
We board nearly every legitimate high-risk business.
Service that stays
A specialist who takes care of you through the whole account lifecycle.
Built for the accounts others avoid
E-commerce & Online
Card-not-present sales on your website, secured and stable.
Subscription & Recurring
Rebilling and continuity models boarded cleanly.
Travel & Hospitality
High-ticket, future-delivery merchants welcome.
CBD & Nutraceutical
Compliant processing for restricted verticals.
Firearms & Ammunition
Legitimate 2A businesses placed with the right bank.
And more
If it's a legal business, we'll find a home for it.
Have a high-risk business and need a merchant account?
Get a fast response — usually within 24 hours.
Get your rate & approval — fast.
Fill out the form and a specialist will call or email you, usually within the hour, with real options for your business. No obligation.
- Fast response — within 24 hours
- 90%+ of high-risk businesses approved
- Live in 2–3 business days
- Cards, ACH & eCheck under one roof
Merchant Application
Secure & confidential. Takes about two minutes.