Merchant Accounts



Your search is over.

For most businesses that have been labeled “high risk,” getting approved for a merchant account with traditional processors can be frustrating and headache-inducing.  Our trusted, diverse portfolio of banking relationships gives us the flexibility and credibility to get you placed so you can continue growing your business on your terms.


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Unique Solutions For
Your Unique Business

For most traditional retailers, getting a merchant account can be as simple as calling the first processor you find.  For non-traditional businesses a specialized merchant account is much harder to come by.

At SMB Global, we’re not like other companies.  We take special care to understand and accommodate the unique needs of our merchants and industries we work with.  We strive to be the single source of information for business owners to help them get approved, maintain their account, and start growing their business.

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A High Risk Partner You Can Trust

Quick Application

Our simple, painless application will help our high risk experts customize a solution for your business while saving you time and frustration.

Industry Experience

Credit card processing is complicated, but we make it easy. We leverage our 20+ banking relationships and payments expertise to get your merchant account approved.

Dedicated Support Team

The high risk world is tricky, but we’ve done our homework and learned all the ins-and-outs. We take the time to walk you through your options and make sure you get the perfect solution.

high risk merchant account


Diversify Your High Risk Merchant Account

For businesses that offer subscription-based products and services or need to offer recurring payments for their customers, ACH offers a more seamless, secure solution than credit cards.  Whether you’re looking for lower transaction fees, faster payment, or convenience for both you and your customers, our ACH platform offers simple, but effective ways to put your payments on autopilot.

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Keep Your Chargebacks Under Control

Excessive chargebacks can derail your processing before you even have a chance to get started.  Our robust, chargeback prevention platform monitors your merchant account in real-time to help you battle chargebacks and win back more revenue.

Our automated, intelligent chargeback representment and CRM integration allows us to do the dirty work so you can focus on growing your business.

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high risk merchant account

Don’t Be On the
Outside Looking In

While factors such as poor business or personal credit, excessive chargebacks, and irregular or large transaction amounts can make it difficult to find a payment solution, most businesses are classified as high risk due to their industry or products and services they offer.

Traditional processors and banks believe these business types have a high rate of failure and generally shy away from approving them for merchant accounts.   At SMB, we take on the risk that other processors won’t.

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See What Our Customers Say

  • "If I could give SMB Global a 10 star rating I would. Fast approvals, no reserves, no hassles and most importantly they gave us the unlimited processing we needed to grow. Without SMB Global our business would be half the size it is right now. I can’t say enough good things about these guys."
    Tactical Traps
  • "Extremely satisfied with the service.  Jason goes through everything with you step by step and makes sure your site is ready for processing payments as fast as possible!  I'm leaving a five-star review!"
  • "SMB Global has been an excellent payment partner. They are consistently on top of communication and continue to build into their platform. We are happy to have found SMB Global as a solution for our clients who are considered to be in 'High Risk' industries."
    Meghan Larson
  • "I have been very pleased working with SMB Global. They have been very responsive and helpful, which is hard to find in this industry. I really feel that they are working for us and would strongly recommend them to anyone looking for merchant services."
    Tom Fieldson

The Pitfalls Merchants Face with
High Risk Credit Card Processing

The world of high risk credit card processing can be complicated and creates a lot of hoops to jump through. Learn how finding the right payments partner can make the process of securing a merchant account much easier for your business.

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How a High Risk Merchant Processor
Works with Hard-To-Place Businesses

When searching for the right high risk merchant processor to partner with, it’s important to make sure they’re equipped to manage your merchant account. Learn more about the high risk payments world to help you narrow your search.

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Some of the High Risk
Industries We Work With

  • Auto Parts & Accessories
  • Collections
  • Credit Repair
  • Diet & Weight Loss Programs
  • E-cigarettes/Vaping/Tobacco
  • Electronics (online)
  • Extended Warranties
  • Fantasy Sports
  • Financial Services
  • Firearms, Ammo, & Accessories
  • Furniture Sales (online)
  • Multi-level Marketing
  • Nutraceuticals/Herbal Supplements
  • Online Gaming & Casinos
  • Precious Metals, Coins
  • Self Storage
  • Vacation/Travel/Flights
high risk merchant account


Seamless Integration Options

Maintaining a seamless checkout experience for your customers is not only important for business, but also for your security.  Our high risk payment gateway options provide 175+ Online Shopping Cart Integrations for pain-free connectivity with most online shopping cart providers.  For businesses looking for a more flexible gateway solution, our developer-friendly APIs give you full customization and control over accepting payments.

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high risk merchant account

Choose A Gateway That Fits Your Needs

Because high risk businesses come in all shapes and sizes, SMB offers 2 gateway solutions – NMI and  Some of the benefits include:

  • Network Merchants Inc. (NMI) – With their load balancing feature, manage multiple merchant accounts through one gateway and automatically route transactions to specific accounts.
  • – is the largest, most popular gateway in the industry.  In addition to their list of quality, user-friendly features, they offer numerous integration options for easy set-up.
  • USA ePay – USA ePay can be used with all major credit card processors and is a widely adopted online payment gateway provider.
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