A high-risk merchant account is a credit card processing account for businesses that banks consider more likely to see chargebacks, operate under heavy regulation, or carry reputational exposure — industries like CBD and hemp, firearms, nutraceuticals, adult, telemedicine, travel, and subscriptions. It works exactly like a standard account; the difference is that it's underwritten by a bank that specializes in your industry instead of a mainstream processor that would decline you, overcharge you, or shut you down without warning. 

Nationwide Payment Systems has placed high-risk and hard-to-place businesses since 2001. We hold direct contracts with multiple banks and processors — we are not brokers — so we can match your business model to a bank that actually understands it, keep your processing domestic rather than offshore, and structure pricing (including interchange-plus where your business type supports it) that protects your margin. One application gets you pre-qualified across our banking network.