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BAD CREDIT MERCHANT ACCOUNT SERVICES

Open a Merchant Account Despite Bad Credit

SecureGlobalPay helps businesses with poor credit get approved and processing. Whether you’ve been declined, terminated, or are just starting out — we’ll guide you through the approval and setup so you can avoid account holds, freezes, and shutdowns.

How the process works

Bad credit usually refers to a low credit score, most often caused by late payments, high debt levels, or a short credit history. Traditional processors often decline businesses with bad credit due to perceived financial risk. SecureGlobalPay can help you get approved — and secure best possible rates.

1.
Complete an online application
Tell us about your business through our simple online form.
2.
Submit documentation
We’ll review your application and request any additional supporting documents we may need.
3.
Get approved and set up
Our team goes to work to get you approved ASAP. Then we help you set up your gateway, equipment, and payment methods.
4.
Start taking payments
Start accepting and processing payments — and building up your credit score.

Everything you need to process payments
smoothly and securely

Our bad credit merchant account services come with all the features you’ll need to deliver a frictionless payment process — while protecting your reputation and cash flow.

MERCHANT ACCOUNT

Get a reliable bad credit merchant account with competitive rates and no hidden fees.

PAYMENT GATEWAY

Use our state-of-art payment gateway for credit repair with hundreds of integrations. Quick and easy setup.

POS hardware & software

Through our partnerships with Clover and Dejavoo, we can equip you with modern POS hardware and software — for free!

Zero-fee processing

Slash your credit card processing costs with our Cash Discount & Dual Pricing models.

Chargeback and fraud protection

Leverage AI-powered tools to prevent fraudulent transactions and reduce chargebacks.

Hands-on support & advice

We will proactively monitor your account and notify you about potential issues and cost saving opportunities.

Processing solutions for businesses with low credit score

SecureGlobalPay supports a wide range of high-risk businesses with a poor credit history — even if you’ve been turned down elsewhere. Don’t see your use case on the list? Reach out to our team and explain your situation.

  • Businesses with a low credit score (FICO < 600)

    BAD CREDIT MERCHANT SERVICES

  • Merchants previously terminated by other processors

    BAD CREDIT MERCHANT SERVICES

  • Startups with no established credit history

    BAD CREDIT MERCHANT SERVICES

  • Companies with chargeback ratios above 1%

    BAD CREDIT MERCHANT SERVICES

Get access to an incredibly powerful payment gateway

ONE GATEWAY, MULTIPLE ACCOUNTS

Manage multiple merchant accounts from a single gateway with advanced transaction routing and load balancing. Perfect for high-volume and high- ticket merchants.

SIMPLE AND FLEXIBLE REPORTING

Manage transactions and generate reports on all payment processing activity through an easy- to-use merchant portal.

FULLY SECURE PROCESSING

Our PCI-compliant gateway offers point-to-point encryption, 2FA, AI fraud detection, and advanced chargeback management tools.

Connect with 200+ different ecommerce platforms, billing software, and fraud and chargeback management tools

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Get paid — anytime, anywhere, anyhow!

Collecting payments should be simple and convenient. Whichever way your clients want to pay — mobile, self-service, in-store, or online — we can set it up.

Why choose SecureGlobalPay as your bad credit merchant account provider

We treat every merchant with respect — regardless of credit score, processing history, or business size. If your business has struggled with payment processing due to bad credit, you’ve found the right partner.

PROACTIVE MONITORING

Our high-risk team and AI tools will help you identify and stop unusual activity so you can minimize chargebacks and avoid account freezes.

25+ YEARS IN THE INDUSTRY

Over the years, we developed relationships with many different acquiring banks. Plus, we encountered – and helped solve – a wide variety of different processing issues.

WORLD-CLASS SUPPORT

Whether you are switching providers or starting fresh, every merchant gets a dedicated account manager that is available via phone or email.

FAIR PRICING

We will not tie you up in a long contract with a nasty closure fee. Fully transparent pricing with no hidden fees.

Here’s what our clients say

Real feedback from retail and high-risk merchants we helped accept and process payments.

  • quote

    “These guys are great! I've been in the processing industry for 15 years, and I've never worked with a team more dedicated to setting their clients up for success. They do all the little things necessary to help their merchants, which many other processors let fall through the cracks.”

    J

    Josh Green

    Charge Options

  • quote

    “We love this company! Our funding is next day, including AMX, which is hard to obtain. The credit card machines are very sleek and are customized with our logo. We have a high-end business and constantly get compliments from our clients. The machines are easy to use, and customer service is top-notch! Can't recommend SecureGlobalPay enough.”

    C

    Cathy Street

    Lake Baldwin Dental

  • quote

    “SecureGlobalPay has gone beyond meeting my expectations when it comes to how quickly my questions were answered, the level of professionalism this company has exuded, and the all-around care they have provided. You will be in great hands if you choose to work with them — especially if you are a high-risk merchant or have a merchant situation that requires a little more expertise.”

    L

    Lisa B

    Adult industry

  • quote

    “Top notch broker. Worked my high risk application the fastest I've ever had one worked. Got a placement in just over a week. Smooth, professional operation.”

    C

    CR W

    Firearms industry

  • quote

    “Our business grew 10X in a month and our merchant provider was holding back all of our funds. Roland and his team at SecureGlobalPay got us up and running again, saved us money, and began working with us to improve our invoicing and billing processes. If you have a fast-growing business or a high-risk account, this team stands head and shoulders above the rest (and I've worked with many others). A+++ rating.”

    G

    Greg B.

    The Neck Gator

  • quote

    “SecureGlobalPay processed my application in just a few days and put my company's credit card processing online; the service was extremely fast. I will recommend your company to anyone looking for payment processing services, keep up the good work.”

    R

    Rod Kershaw

    Las Vegas Vacation Home Solutions

Not Sure What You Need? Get a Free Consultation

FAQ about payment processing with bad credit

Are bad credit businesses considered high risk?

Yes. Businesses owned by individuals with poor credit, or those with terminated merchant accounts, are often categorized as high risk by banks and processors.

How to get a merchant account with bad credit?

Start by applying with a high-risk payment processor like SecureGlobalPay. Provide accurate business details, submit required documents, and be upfront about past terminations or chargebacks. We’ll work to match you with a provider that accepts your risk profile and help you get approved quickly.

Can I still get approved with a FICO score under 600?

Absolutely. We regularly work with business owners in the 500–600 range. Approval is based on a range of factors, not just credit score.

What is the minimum credit score for a merchant account?

There’s no universal minimum, but traditional processors often prefer scores above 650. At SecureGlobalPay, we consider applications with FICO scores as low as 500 — depending on your business model and overall risk profile.

Will I have to deal with rolling reserves?

Some high-risk accounts may include a reserve (typically 5–10%) for a short period, but we work to keep these as low and short-term as possible. However, a reserve is not guaranteed, even if you are considered a high-risk merchant.

Do aggregators like Stripe, PayPal, and Square work with businesses with low credit?

Generally no. These platforms rely on automated approval systems that flag low credit scores, past chargebacks, or industry type. Many merchants with bad credit find themselves declined or terminated at a later date with no notice. That’s why specialized high-risk providers like SecureGlobalPay are a better fit.

Is there a long-term contract?

No. We offer flexible terms with no hidden cancellation fees or long lock-in periods.

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