Most merchant service providers keep high-risk businesses at arm’s length. We built our business around them. Here is what that means in practice.
We specialize in high-risk businesses
Traditional providers often avoid high-risk industries, or limit what they will do for them. We serve them on purpose: cannabis delivery, dispensaries, and businesses prone to chargebacks. We know the problems these businesses run into, and we set up each account around how that business actually works.
Payment systems built for high-risk sales
We process payments through RQ4 (Retail Queue for Sales) and POB (Point of Banking) systems. They are designed to handle high-risk transactions efficiently, reduce chargebacks, and stay within industry regulations.
Customers enter their PIN at checkout. That extra step cuts fraud and makes chargebacks much less likely, and it is something traditional providers rarely offer.
A flat rate instead of a percentage
Traditional providers usually take a percentage of every sale, which gets expensive and hard to predict, especially on high-ticket items. We charge a flat fee per transaction. It is easier to plan around, you can pass it on to customers if you choose, and it lowers your processing costs. That matters most when margins are tight or sales are large.
Fewer chargebacks, and help when they happen
We work to reduce chargebacks, or prevent them altogether, with secure payment methods and clear transaction records. Traditional providers often lack the tools to do this well. When a chargeback does happen, we help you dispute it, which few traditional providers will do.
High-ticket sales get extra attention, because they draw more scrutiny and carry a higher risk of chargebacks. We give you tools and strategies to protect them.
Small changes your customers accept
Traditional providers tend to avoid anything that asks customers to change their habits. We ask for two small things, a PIN and a small transaction fee, and customers have taken to them well. Payments become safer without making checkout worse, and customers who feel their card is safe with you are more likely to come back.
Security and compliance
High-risk industries face complicated rules. We keep up with the laws that apply and keep our payment systems compliant, which lowers the legal risk for your business. We protect sensitive data with strong encryption and security measures that go beyond what many traditional providers do.
A real person on your account
You get a dedicated account manager who knows high-risk industries and will flag things before they become problems. We keep you up to date on industry trends, changes in regulation, and new technology.
Our systems grow with your business without slowing down or cutting corners on security. And instead of one package for everyone, you can set up the services to fit how you operate.
Education and community
We publish educational material for high-risk businesses and speak up for them in the industry. We also bring our clients together, so they can meet, compare notes and learn from each other.
All of it serves one purpose: helping high-risk businesses protect their revenue, keep their customers’ trust, and grow.