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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.

- 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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Hard to Place Merchants are No Problem for Us

Merchants 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?

Experience, 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.


High Risk Business Types

We understand that businesses are completely legitimate, but may be classified as high risk by the various processors and banks, which can create multiple challenges in finding effective payment processing and the corresponding solutions.

Further, we also understand that many people we talk to have just started their businesses and do not have the ability to navigate high risk payment processing alone. This is why we take a very patient and understanding approach to all of our clients and provide VIP service and support from the first moment of our contact with you and through the entire life of your account. Please see below for a sample list of the business types that we are able to work with (and feel free to contact us even if your business doesn’t fit into the below categories).

  • Airlines
  • Auction and Auction Houses
  • Charities with Outbound Calling
  • Bitcoin (case by case basis only)
  • CBD and Hemp Based Products / Oil
  • Continuity
  • Credit Repair and Restoration
  • Cyber Lockers (case by case basis only)
  • Debt Services
  • Digital Downloads (music file with licensing)
  • Dietary Supplements
  • Discount Vouchers
  • Document Services
  • Equipment (heavy machinery etc.)
  • E-Cigarettes / Vape
  • Educational Seminars
  • Employment Agencies
  • Gaming
  • Future Delivery Beyond 90 Days
  • Game Credits
  • Gift Cards
  • Golf Clubs and Related Accessories
  • Hookah establishments
  • Hotel Accommodations
  • Import / Export
  • Insurance Carriers
  • Interest Rate Reduction Programs
  • Internet Marketing
  • Student Loan Consolidations
  • Loans
  • Magazines
  • Multi-Level Marketing
  • Nutraceuticals
  • Outbound Telemarketing
  • Payday Loans and Services
  • Pharmaceuticals
  • Pre-Paid Cards
  • Search Engine Optimization
  • Smoking Accessories
  • Tax Relief
  • Tech Support
  • Telecommunications
  • Tobacco
  • Ticket Agencies
  • Travel, Tour and Cruise

We would love the opportunity to show you how effectively we are able to support and service your high risk business. Please call us or fill out the form on this page and you will be contacted by one of our knowledgeable and friendly payment specialists to generate a free, no obligation quote.


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