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 | ||
---|---|---|---|---|---|---|
National Processing Learn more on National Processing's secure website | Get an estimated monthly cost for your business. | 5.0/5 Best for Overall high-risk payment processor | 2.5% + $0.10 for Basic In-Person Package. | $9.95 for Basic In-Person Package. | Get an estimated monthly cost for your business. | Learn more on National Processing's secure website |
PaymentCloud Learn more on PaymentCloud's secure website | 4.5/5 Best for Software integrations | 2.4% + $0.10 to 3.5% + $0.25 on average. | $0.00 to $50. | Learn more on PaymentCloud's secure website | ||
Payline | 4.5/5 Best for Transparent pricing | In-person: 0.4% + $0.10 Online: 0.75% + $0.20 Plus interchange | $10.00 in person; $20 online. | |||
HighRiskPay.com | Best for Adult-themed businesses | 2.95% + $0.25 May vary with credit or transaction type. | $9.95 | |||
Inovio | Best for High-risk online payment processing | N/A Quote-based. | N/A Quote-based. | |||
Soar Payments | Best for Variety of high-risk industries | N/A Quote-based. | N/A Quote-based. |
Our pick for
Overall high-risk payment processor
National Processing
on National Processing's secure website
for Basic In-Person Package.
for Basic In-Person Package.
Pros
- Low in-person processing fees for a flat-rate processor.
- No termination fees or long-term contracts.
- Works with high-risk merchants.
- Integrates with popular POS systems, e-commerce platforms and accounting products.
- 24/7 phone support.
Cons
- Fees may be higher if you process less than $10,000 per month.
- Basic plans for processing in-person and online transactions are separate.
- Mobile card reader is pricier than some competitors.
Our pick for
Software integrations
PaymentCloud
on PaymentCloud's secure website
to 3.5% + $0.25 on average.
to $50.
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
Transparent pricing
Payline
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
Adult-themed businesses
HighRiskPay.com
May vary with credit or transaction type.
Pros
- Transparent pricing.
- Accepts in-person, online and recurring payments.
- No contract or setup fee.
Cons
- Monthly fee required.
- Limited integrations.
Our pick for
High-risk online payment processing
Inovio
Quote-based.
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
Variety of high-risk industries
Soar Payments
Quote-based.
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.
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.
PaymentCloud: Best for software integrations
- 2.4% plus 10 cents for low-risk retail merchants.
- 2.8% plus 25 cents for medium-risk businesses, like e-commerce shops.
- 3.5% plus 25 cents for high-risk merchants.
National Processing: Best for ACH payments
- $9.95 for Basic In-Person Package, Basic E-Commerce Package.
- $9.95 and up for Premium Package (for businesses with monthly sales volumes exceeding $30,000).
- $19 and up for Advanced Package.
- Basic In-Person Package: 2.5% plus 10 cents per transaction.
- Basic E-Commerce Package: 2.9% plus 30 cents per transaction.
- Advanced Package: 2.41% plus 10 cents.
- Premium Package: quote-based.
HighRiskPay.com: Best for adult-themed businesses
Inovio: Best for high-risk online payment processing
Soar Payments: Best for variety of high-risk industries
Learn more about high-risk merchant accounts
- 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 high-risk payment processor will accept those. Some may accept only online transactions (such as Inovio), whereas others will accept credit card payments both in-person and online.
- 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 business software. It’s helpful to choose a processor that integrates directly with tax and accounting software, and if you sell online, you likely want a processor that integrates with popular e-commerce platforms and marketplaces.