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Is Your Business Considered High Risk? GPS is Your Final Payment Processor

No Application Fee

No Setup Fee

No Contract

24 Hour Approval

Next Day Funding

Chargeback Prevention

Bad Credit OK

Who We Serve

Adult Content / Dating

CBD / Delta-8 / Cannabis Adjacent

Collection Agencies

Credit Repair / ID Protection

Currency Exchange

Digital Goods

Direct Marketing / MLM

Discount Clubs

Document Preperation

Firearms CNP



Mail Forwarding / Junk Mail Elimination

Merchant Lenders / Tribal Lending Nutraceuticals

Patriotic Products

Personal Protective Equipment (PPE)


Roadside Assistance

Seminars / Educational / Leadership / Coaching

Smoke Shops / Head Shops

Super PACs / Crowdfunding

Tax ID Services

Tech Support

Telemedicine / Online Pharmacies / Medical Consultations

Timeshare Relief / Cancellation

Get up and running today with a trusted payment processor. Most processors from Stripe, PayPal to Square don't accept high risk merchants. Not us!

Other processors charge obscene fees for high risk merchant account. At GPS, we pride ourselves on providing top notch services at the lowest rates!


Determine if Your Business is High Risk

Here are all the factors processors typically use to determine if you're business is considered high risk

  • Fraud & Chargeback Rates – Businesses with a high chargeback or fraud rate are automatically classified as high-risk by banks and payment processors. Businesses with a chargeback ratio over 1% are usually considered high-risk. Chargebacks can occur for any number of reasons, from customers forgetting they signed up to getting billed without their consent.

  • Types Of Products And Services – Products such as software, tickets, seasonal items, etc. can point to a business with more unusual or inconsistent revenues. Payment processors consider this a very red flag and a sign of financial uncertainty.

  • Reputational Risk – Companies that deal with sensitive customer information may suffer reputational consequences. This includes companies in the adult and tech sectors.

  • Recurring Payments – Certain business models with high instances of chargebacks or fraud can send a warning signal to payment processors. A common example is recurring or subscription-based providers, with an increased risk of chargebacks, identity theft, and account takeovers. 

  • Monthly Sales Volumes or Transaction Value – Financial institutions might consider a business high-risk if they routinely accept high-value transactions. B2B companies mostly have to deal with this factor.

  • Credit Score  – Banks are less inclined to lend money to individuals or businesses with poor credit scores. As a result, if you have a low personal credit score, your business may fall into high-risk categories.

Moving Forward

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