Our Nerdy picks for
Adult-themed businesses
HighRiskPay.comBest High-Risk Payment Processors
Calculate your monthly cost estimate
Input your business’s monthly transaction details and we’ll help you sort from the best valueProduct | Cost Estimate | Payment processing fees | Cost Estimate | Learn more | ||
---|---|---|---|---|---|---|
Payline Learn more on Payline's secure website | Get an estimated monthly cost for your business. | 4.5/5 Best for Overall | In-person: 0.4% + $0.10 Online: 0.75% + $0.20 Plus interchange | $10 in person; $20 online. | Get an estimated monthly cost for your business. | Learn more on Payline's secure website |
PaymentCloud Learn more on PaymentCloud's secure website | 3.5/5 Best for Software integrations | 2.7% + $0.00 to 4.3% + $0.00. | $10 to $45. | Learn more on PaymentCloud's secure website | ||
National Processing Learn more on National Processing's secure website | 3.5/5 Best for Cash discount and ACH payments | 0.18% + $0.10 plus interchange; varies by business and transaction type. | $10 and up. | Learn more on National Processing's secure website | ||
HighRiskPay.com | Best for Adult-themed businesses | 2.95% + $0.25 May vary with credit or transaction type. | $10 $9.95 and up. | |||
Inovio | Best for Online payments | N/A Quote-based. | N/A Quote-based. | |||
Soar Payments | Best for Hard-to-place businesses | N/A Quote-based. | N/A Quote-based. |
Our pick for
Overall
Payline
on Payline's secure website
$10
in person; $20 online.
Pros
- Pricing transparency.
- Competitive transaction rates.
- Customer support by phone and email.
- No long-term contracts or cancellation fees.
- No PCI compliance fees.
- Integrates with many POS systems, shopping carts and QuickBooks.
Cons
- Separate monthly fees for in-person and online processing; monthly fees can add up if you process transactions both in person and online.
Our pick for
Software integrations
PaymentCloud
on PaymentCloud's secure website
2.7% + $0.00
to 4.3% + $0.00.
$10
to $45.
Pros
- Accepts in-person, online and recurring payments.
- Offers an extensive library of software integrations.
- Has a virtual terminal for card-not-present transactions.
Cons
- Lack of pricing transparency.
Our pick for
Cash discount and ACH payments
National Processing
on National Processing's secure website
0.18% + $0.10
plus interchange; varies by business and transaction type.
$10
and up.
Pros
- Works with high-risk merchants.
- Offers popular integrations.
- No minimum processing requirements.
Cons
- Fees may be higher if you process less than $10,000 per month.
- Termination fees apply in some circumstances.
Our pick for
Adult-themed businesses
HighRiskPay.com
2.95% + $0.25
May vary with credit or transaction type.
$10
$9.95 and up.
Pros
- Transparent pricing.
- Accepts in-person, online and recurring payments.
- No contract or setup fee.
Cons
- Monthly fee required.
- Limited integrations.
Our pick for
Online payments
Inovio
N/A
Quote-based.
N/A
Quote-based.
Pros
- All-in-one processing and POS solution.
- Processes international payments.
Cons
- Lack of pricing transparency.
- No option for processing in-person payments.
- Limited integrations.
Our pick for
Hard-to-place businesses
Soar Payments
N/A
Quote-based.
N/A
Quote-based.
Pros
- Accepts in-person, online and recurring payments.
- Offers several popular integrations.
- No setup fees.
Cons
- Lack of pricing transparency.
- Restrictions on recurring billing approval.
Our picks for best high-risk payment processors
Payline Data: Best overall high-risk payment processor
- $10 for in-person sales.
- $20 for online sales.
- Interchange plus 0.4% and 10 cents for in-person transactions.
- Interchange plus 0.75% and 20 cents for online transactions.
- Pricing varies by card type for manually keyed transactions.
PaymentCloud: Best for software integrations
- 2% to 3.1% for low-risk transactions.
- 2.3% to 3.4% for mid-risk transactions.
- 2.7% to 4.3% for high-risk transactions.
National Processing: Best for cash discount and ACH payments
- $0 for Cash Discount plan.
- $9.95 for Restaurant, Retail, E-commerce or Nonprofit plans.
- $15 for ACH processing.
- $59 for Subscription plan.
- $199 for Subscription Plus plan.
- Custom pricing available.
- Cash Discount: interchange only.
- Restaurant: interchange plus 0.14% and 7 cents per transaction.
- Retail: interchange plus 0.18% and 10 cents per transaction.
- E-commerce: interchange plus 0.29% and 15 cents per transaction.
- Nonprofit: interchange plus 0.12% and 6 cents per transaction.
- ACH: interchange plus 0%-1.5% and 48 cents per transaction.
- Subscription: interchange plus 9 cents per transaction.
- Subscription Plus: interchange plus 5 cents per transaction.
HighRiskPay.com: Best for adult-themed businesses
Inovio: Best for online payments
Soar Payments: Best for hard-to-place businesses
More about high-risk merchant accounts
Which businesses are considered high risk?
What should you consider when choosing a high-risk payment processor?
- Chargeback fees: What does the processor charge for each disputed charge that results in a refund to a customer? Typically payment processors charge in the range of $15 to $25 for each chargeback, while some charge significantly more and a few don’t charge for them at all.
- Accepted transaction types: Consider the types of transactions your business processes and whether the processor will accept those. Some may be online-only (such as Inovio) whereas others will accept both in-person and online payments.
- Services offered: Some high-risk payment processors offer only the payment processing service, which means you’ll need to secure a high-risk merchant account through a separate provider. Others offer both payment processing and merchant accounts and additionally may offer POS systems. Consider your business needs and whether you prefer a single point of contact or finding the best deal across multiple providers.
- Integrations: Most payment processors provide at least a few integrations with third-party applications and software. It’s helpful to choose a processor that integrates directly with accounting and tax software, and if you sell online, you likely want a processor that integrates with popular e-commerce platforms and marketplaces.