High Risk Merchant Accounts
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Processing Solutions for High Risk and Hard to Place Merchants

Flow Payments offers the next generation of high risk payment processing with our commitment to providing extremely low rates, white glove service and a consultative approach to all our merchants.

  • Recently ranked “Best for High-Risk Businesses” by Money.com.
  • The lowest rates available for high risk credit card processing with no arbitrary fees or processing minimums.
  • Availability of alternative payment processing solutions such as E-Check and ACH processing.
  • Relationships with multiple processors and banks, in order to place our merchants into the best processing programs.
  • Dedicated support teams focused on delivering VIP service and support to our high risk merchants.
  • A commitment to providing best-in-class EMV/NFC terminals, payment gateways and shopping carts.

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We Are High Risk Payment Processing Experts

Lowest Rate Plans Available

We offer rate plans that are extremely low and transparent. Our numerous relationships with banks and processors enable us to set our merchants up with the perfect pricing structure and solutions that will save them the most money, while providing seamless processing.

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Credit, Debit, E-Check and ACH

We understand that high risk merchants need alternative processing solutions that are hard to acquire. Through our relationships with domestic processors and various technology partners, we ensure our merchants receive the most effective options available.

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Dedicated Support Team

High risk merchants should receive nothing less than white glove service and support. We understand your questions need solving as quickly as possible, which is why we provide dedicated support teams, in order to deliver the VIP service our merchants deserve.

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Hard to Place Merchants are No Problem for Us

Forbes Business Council High RiskMerchants that are considered high risk or hard to place are nothing new to Flow Payments. In fact, we live and breathe high risk merchant services and 95% of our clients are in verticals that have challenges securing traditional merchant services. We pride ourselves on not only being the experts in this complex field, but also providing superior service with unmatched pricing that is extremely low and transparent.


Why Choose Flow Payments?

Flow Payments Best High Risk Credit Card ProcessingExperience, cost and service. Our experience allows us to maintain relationships with numerous processors and banks, which enables our high risk merchants to be placed into domestic merchant accounts.

Further, our many partnerships gives us the ability to offer the alternative solutions needed by today’s high risk merchants, such as E-Check and ACH processing.

Additionally, we know that hard to place merchants are often forced into extremely high rates, due to the nature of their businesses. This is unacceptable to us, which is why we offer access to the lowest rate plans available.

Finally, our commitment to providing white glove support is a cornerstone of Flow Payments. We realize that setting up a business owner with the correct type of program is just the start of the relationship. Ensuring best-in-class support, throughout the life of the merchant account, is equally important and vital to the success of any merchant.

What Clients Say

“Working with Flow Payments has been one of the best business decisions I have made in years. I was shut down by my previous processor because they no longer wanted to work with my credit repair business. Flow patiently guided me through the entire process and explained everything in great detail. The process was seamless and I wouldn't hesitate to recommend them to other businesses."

– John M.

Did You Know?

  • Chargeback ratios are calculated by number of chargebacks as well as dollar amount.
  • Processors require a sponsoring bank and each bank has different tolerance levels for business types.
  • Reputational risk is paramount to the processor/bank (i.e. adult content not favored).
  • Offshore merchant accounts are no longer necessary for high risk processing.
  • Poor personal credit can force a low risk business to be classified as high risk.
  • Future dates for services to be rendered (i.e. travel, credit repair) are considered high risk.
  • Federal and State regulatory challenges weigh heavily on high risk processors and their banks.
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