High-Risk Merchant Processing
Some industries get turned away by traditional processors. We underwrite them directly, with clear terms and a team that knows your category.
Industries we support
| Industry | What we process |
|---|---|
| CBD & Hemp | Processing for CBD, hemp, and related products. |
| Subscription & Continuity | Recurring billing for subscription and membership models. |
| Nutraceuticals & Supplements | Processing for supplements and health products. |
| Travel & Ticketing | Solutions for travel agencies, ticketing, and booking services. |
| E-Commerce & Digital Services | Online processing for digital products and services. |
| Telemarketing & Call Centers | Card-not-present processing for phone-based sales. |
Why high-risk merchants choose DPX
High-risk doesn't mean bad business. It means your account needs underwriters who understand your model, terms written plainly, and a team that stays with you after approval.
What we provide
- Specialized underwriting
- Chargeback management tools
- Rolling reserve options
- Multi-MID strategies
- Fraud prevention
- Dedicated account management
Simple application process
Apply.
Complete the application with your business details and processing history.
Underwriting review.
Our team reviews your file and matches you with the right solution.
Start processing.
Once approved, we set up your account and you start taking payments.
Frequently asked questions
What makes a business "high-risk"?
Higher-than-average chargebacks, a regulated industry (CBD, nutraceuticals, adult, gaming), subscription or continuity billing, high-ticket sales, or a history of processor terminations. Underwriting is more rigorous, and reserves or higher rates may apply.
How long does underwriting take?
Most applications are reviewed within 3 to 7 business days. Complete documentation and a clean history move faster. Complex files, such as multiple MIDs, international processing, or prior terminations, can take 1 to 3 weeks. We'll give you a realistic timeline up front.
Can I get approved if a previous processor terminated me?
Often, yes. A prior termination, or even a listing on the MATCH (TMF) list, doesn't automatically disqualify you. We'll need a clear explanation, any steps you've taken since, and current financials. Approval isn't guaranteed.
What is a rolling reserve?
A percentage of daily processing, often 5 to 10%, held for a set period, commonly 180 days, to cover potential chargebacks and refunds. Funds then release on a rolling basis. Whether you need one depends on your industry, history, and volume.
What documents do I need?
A signed application, business formation documents, EIN letter, a voided business check or bank letter, 3 to 6 months of business bank statements, 3 to 6 months of prior processing statements (if any), government ID for each owner, and a clear refund policy on your website. Some industries need additional licenses.
Get approved, directly.
Don't let a traditional processor's risk appetite hold your business back.