Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
High Risk Pay
Payment Processor · 3.2/5 mean
High Risk Pay is a merchant account provider specializing in high-risk merchant services and payment processing solutions including credit card and ACH acceptance for businesses that struggle with traditional payment processors.
Read the full review →PayKings
High-Risk Specialist · 4.0/5 mean
PayKings is a specialized payment processor offering tailored solutions for high-risk industries with a strong emphasis on fraud prevention.
Read the full review →PayKings holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026.
| Criterion | High Risk Pay | PayKings |
|---|---|---|
| Pricing transparency | 3.0 | 3.5wins this criterion |
| Feature set | 3.0 | 4.5wins this criterion |
| Ease of use | 3.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | High Risk Pay | PayKings |
|---|---|---|
| Online rate | Starting around 2.19% + $0.25 for good-credit merchant accounts | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
| Monthly fee | Starting at $9.95 | $13 |
| Payout | Next business day (advertised) | Not disclosed |
| Contract | Not disclosed | Typically 3 years with auto-renewal clauses |
| In-person rate | Around 1.79% + $0.25 | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
| Keyed rate | Not disclosed | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction |
From the High Risk Pay review
PayKings publishes interchange-plus pricing across three tiers and approves restricted verticals, giving merchants a transparency anchor that High Risk Pay's undisclosed fee schedule cannot match. High Risk Pay may still appeal to merchants who want fast, flexible underwriting without PayKings's typical multi-year agreements and rolling reserves.
Pick PayKings if you process higher volume and want published interchange-plus tiers instead of teaser rates
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| 4.0wins this criterion |
| Customer support | 4.0wins this criterion | 3.5 |
|---|
| Contract terms | 3.0 | 3.5wins this criterion |
|---|
| Industry reputation | 3.0 | 5.0wins this criterion |
|---|
| PCI fee |
|---|
| Not specifically disclosed |
| $4.50/month |
| Statement fee | Not disclosed | Varies; not publicly disclosed |
|---|
| Chargeback fee | Not disclosed | $25 per incident |
|---|
| Early termination | Not disclosed | $100–$500 depending on contract terms |
|---|
| Last fact-checked | August 19, 2026 | August 19, 2026 |
|---|