High Risk Pay
Payment Processor
Reading Progress0%
4 min read
TL;DR
High Risk Pay offers high-risk merchant accounts, credit card processing, ACH/eCheck acceptance, and payment gateway options for businesses in difficulty obtaining standard merchant services. They emphasize fast approvals, competitive fees, no setup costs, and the ability to work with companies that have bad credit, high chargeback risk, or industry restrictions. They have strong reported customer support experiences from many individual reviewers.
Unfortunately there is limited public corporate transparency on leadership, employee size, and contract terms. Independent reviews beyond Trustpilot are scarce. Some user feedback suggests aggressive follow-up communication for prospects.
About
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.
Products & Services
No products or services information available.
Platform Ratings
Aggregated Trust Score
Based on 54 reviews across 1 rating platform
4.7
out of 5
Overall Rating
Trustpilot
54 reviews
Reviewer Notes
Many users highlight excellent service by specific account managers (especially named reps), quick contact, long-term relationships, and responsiveness. A few report overly persistent outreach or less positive initial contact.
Processing Rates
Online Transactions
Card-not-present, e-commerce, and online payments
Starting around 2.19% + $0.25 for good-credit merchant accounts
Per transaction
In-Person Transactions
Card-present retail and point-of-sale transactions
Around 1.79% + $0.25
Per transaction
Fees
Monthly Fee
Starting at $9.95
Recurring monthly account fee
Setup Fee
None
One-time account setup and onboarding fee
PCI Compliance Fee
Not specifically disclosed
Annual PCI DSS compliance and security fee
Statement Fee
Not publicly disclosed
Monthly account statement and reporting fee
Chargeback Fee
Not publicly disclosed
Per-incident chargeback dispute fee
Early Termination Fee
Not publicly disclosed
Fee for canceling before contract end
Security & Compliance
PCI Compliance
Payment Card Industry Data Security Standard compliance level
Supported
Fraud Prevention
Fraud detection and prevention tools
Supported
Data Encryption
Encryption standards for data at rest and in transit
Supported
Accepted Payment Types
Credit & Debit Cards
Visa
Mastercard
American Express
Discover
Digital Wallets
Apple Pay
Google Pay
Bank Transfers
ACH Payments
Special Features
Recurring Billing
Automated recurring payment processing
Supported
Top Competitors
No comparison available
No comparison available
No comparison available
Support & Contact
(800) 956-1277
sales@highriskpay.com
24_7
High Risk Pay Pricing Calculator
Estimate your monthly costs
This calculator provides an estimate based on available pricing information. Actual costs may vary. Contact High Risk Pay for a personalized quote.
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Estimated Monthly Cost
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Effective Rate
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Number of Transactions200