Free application
Get approved for a high risk merchant account
Tell us how to reach you. A dedicated account manager will review your business and follow up with the right banking options — usually within one business day.
- No credit pull to apply
- No application fee or obligation
- Your information stays confidential
Talk with our high risk team
Takes about 60 seconds
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No credit pull · No obligation · Secure
Accept every way your customers pay
- Visa
- Mastercard
- American Express
- Discover
- ACH / eCheck
- Apple Pay
- Google Pay
FAQ
Before you apply
How long does approval take?
Many complete applications receive a decision within a few business days. Having your documents ready — ID, bank statements, processing history and a compliant website — is the fastest way to get approved.
Can I get approved if I was placed on the MATCH list?
Often, yes. Some of our banking partners will consider MATCH-listed merchants depending on the reason and how long ago it happened. Tell us about it in your application and we'll be upfront about your options.
What does a high risk merchant account cost?
Pricing depends on your industry, volume and history. High risk rates are higher than standard accounts, and some programs include a rolling reserve. Your rep will walk through every fee before you sign anything.
Is there an application fee?
No. Applying with High Risk Buddy is free and there's no obligation to accept an offer.
Can I keep my current website and shopping cart?
In most cases, yes. Our gateways integrate with popular platforms such as WooCommerce, Shopify, BigCommerce and Magento, as well as custom checkouts via API.