Custom quote · Month-to-month
High-Risk Merchants
Specialized processing for industries traditional banks turn away.
UWUnderwriting2–5 business days
FNDFundingNext-day available
TRMTermsMonth-to-month · $0 ETF
SUPSupportUS-based · 24/7/365
Overview
Merchly works with underwriters who understand high-risk categories, helping approved merchants get set up with stable, compliant processing.
Specialties9 categories
High-risk specialties we underwrite.
Each category has its own underwriting requirements, reserve expectations and chargeback profile. Pick yours for the specifics.
- 01CBD & HempCompliant processing for hemp-derived and CBD product merchants.
- 02Nutraceuticals & SupplementsStable processing for supplement brands with recurring and trial offers.
- 03Adult EntertainmentDiscreet, dependable payment processing built for adult businesses.
- 04Vape & TobaccoAge-restricted product processing for vape shops and tobacco retailers.
- 05Firearms & AmmunitionDedicated processing for FFL dealers, ranges, and ammunition retailers.
- 06Subscription, MLM & Dating ServicesRecurring billing built to handle chargebacks and churn.
- 07Travel & TimeshareProcessing built for future-delivery bookings and high ticket sizes.
- 08Online Gaming & Sports BettingPayment processing for skill gaming, fantasy sports, and betting platforms.
- 09Debt Consolidation & Credit RepairProcessing for financial services merchants facing extra underwriting scrutiny.
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