High-Risk Ecommerce Merchant Account

How the process works

Traditional banks and aggregators often reject or terminate high-risk eCommerce businesses due to chargebacks, regulatory exposure, fulfillment risk, and other factors. SecureGlobalPay specializes in high-risk eCommerce and works directly with acquiring banks to get you approved and processing with confidence.

Complete an online application

Share basic info to helps us understand your business model, expected sales volume, and payment processing needs.

Submit documentation

Our team immediately reviews your application and requests any additional documents needed to support approval.

Get approved and set up

We leverage our long-standing relationships with acquirers to get you approved. Then, we help you configure your gateway, integrations, payment methods, and fraud tools.

Start taking payments

You’re ready to securely accept and process payments for your high-risk eCommerce business.

Everything you need to process payments
smoothly and securely

Our high-risk eCommerce payment processing includes all the tools, services, and payment methods you need to protect revenue, reduce chargebacks, and maintain compliance — while supporting growth across multiple platforms and sales channels.

MERCHANT ACCOUNT

Get the best merchant account for high-risk ecommerce with competitive rates and transparent fees.

PAYMENT GATEWAY

Use our modern, PCI-compliant gateway with hundreds of integrations, robust security, and multiple MID capabilities.

MULTI-CURRENCY SUPPORT

Accept all major card brands and process payments in dozens of domestic and international currencies with automatic conversion.

FLEXIBLE PAYMENT OPTIONS

Accept credit cards, recurring billing, digital wallets, ACH, crypto, and more. We support virtually every payment type.

SECURE PROCESSING

Leverage AI-powered tools to prevent fraudulent transactions, as well as effectively mitigate and manage chargebacks.

Hands-on support & advice

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

Processing solutions for all types of eCommerce businesses

From supplement startups to high-ticket luxury goods and high-volume dropshipping stores, we support a wide range of standard and high-risk eCommerce models.

Nutraceuticals & dietary supplements

HIGH-RISK ECOMMERCE
CBD, hemp & alternative wellness products

HIGH-RISK ECOMMERCE
Subscription boxes & memberships

HIGH-RISK ECOMMERCE
Sales of electronics & high-ticket products

HIGH-RISK ECOMMERCE
Travel, ticketing & event sales

HIGH-RISK ECOMMERCE
Print on Demand (POD) & other custom products

HIGH-RISK ECOMMERCE
Dropshipping

HIGH-RISK ECOMMERCE

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.

100% SECURE PROCESSING

Our PCI-DSS compliant gateway provides point-to-point encryption, tokenization, AVS, 3D Secure, AI-driven fraud detection, and advanced chargeback management tools.

200+ integrations with shopping carts, ecommerce platforms, CRMs, accounting software, and chargeback tools

Why choose SecureGlobalPay as your high-risk eCommerce merchant account provider

We believe high-risk eCommerce merchants deserve stable processing, transparent terms, and real support. With SecureGlobalPay, you get the ability to set up multiple MIDs, interchange pricing, and dedicated support.

INDUSTRY EXPERIENCE

We have already helped numerous online merchants avoid restrictions, minimize fraud and chargebacks, and successfully grow their business.

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 who is available via phone or email.

FAIR PRICING

We will not tie you into a long contract with a nasty cancellation fee. Fully transparent pricing with no hidden costs.

Here’s what our clients say

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

“I just wanted to thank you for the tremendous experience my company had with you while we were setting up our card services for our website. I wish more vendors that I worked with had your same qualities of timeliness, helpfulness, and efficiency. Roland always returned my phone calls and was happy to explain technical information in a way that’s easy to absorb and understand. I couldn’t be happier with my sales experience.”

L

Lisa

Gem & I Products
“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
“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
“I have been working with Secure Global for the past six years. They saved me thousands of dollars in our processing fees! They are a pleasure to work with – extremely knowledgeable, courteous, and very helpful. They definitely go the extra mile for their customers!”

L

Lisa M.

Trigger Agency, LLC
“Our business grew 10X in a month and our merchant provider was holding back all of our funds. The 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
“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

FAQs about adult industry payment processing

Possibly. Many eCommerce businesses are classified as high risk due to chargebacks, subscription billing, cross-border sales, digital goods, or regulatory considerations. A high-risk eCommerce merchant account is designed to provide more stable processing for businesses in this category.

Aggregators like Stripe and PayPal have strict risk thresholds and limited tolerance for high-risk models. Sudden volume spikes, recurring billing, higher dispute rates, or certain product categories can trigger holds or permanent shutdowns. High-risk merchant accounts work directly with acquiring banks and offer more flexibility and transparency.

Typically, you’ll need a completed application, government ID, business registration documents, bank statements, website URL, refund and shipping policies, and product information. Additional documentation (like fulfillment details) may be requested depending on your business model and sales volume.

Our approval timelines are usually fast. Once all documentation is submitted, most high-risk eCommerce merchants are approved within 2 to 5 business days, depending on underwriting complexity.

Some high-risk eCommerce accounts require a rolling reserve to manage risk. This is disclosed upfront and structured to protect both the merchant and the bank.

Yes. We provide advanced fraud prevention tools, 3-D Secure, transaction rules, chargeback alerts, and optimized billing descriptors to help lower dispute rates and protect your merchant account.

In most cases. Here at SecureGlobalPay, we support international cards, multi-currency processing, and alternative payment methods. Offshore processing options are also available if your business model or customer base requires it.

High-risk eCommerce businesses need gateways built for advanced fraud controls, recurring billing, and multiple merchant accounts. You will also want a gateway that can integrate with your eCommerce platform, accounting software, and other solutions you might be using.

Yes — when scaling is done correctly. If you are expecting high growth or a sales spike, through our gateway, we can set up multiple merchant accounts and configure automated transaction routing to keep you under the approved thresholds.

SecureGlobalPay was created to deliver complete merchant processing solutions for businesses of every size and industry. We are a US based payment services provider supporting retail, high risk, and hard to place merchants across the US, Canada, the EU, and the UK.

We offer end to end payment solutions for card payments, ACH, eCheck, and alternative payment methods across online, MOTO, and mobile channels. Our platform includes fast approvals, transparent pricing, fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and more.

Our founder and CEO, Roland, brings nearly three decades of experience in the payment industry. Throughout his career, he saw too many legitimate businesses being unfairly treated or rejected simply because of their industry, risk profile, or business model.

SecureGlobalPay was built on a simple belief: every legitimate merchant deserves reliable, fair, and professional payment processing, no matter what type of business they run.

SecureGlobalPay was created to deliver end-to-end merchant processing solutions for businesses of all sizes and across every industry. We are a US-based merchant services provider specializing in payment processing for retail, higher-risk, and hard-to-place businesses throughout the US, Canada, the EU, and the UK.

Our team offers complete payment solutions for bank cards, ACH, eCheck, and alternative payment methods, supporting online, MOTO, and mobile transactions. SecureGlobalPay is known for fast approvals, transparent pricing, strong fraud and chargeback protection, and seamless integrations with platforms like Shopify, WooCommerce, and many others.

Our founder and CEO, Roland, brings nearly 30 years of industry experience. Throughout his career, he saw firsthand how many merchants are unfairly treated or mislabeled based on their industry, niche, or perceived risk.

SecureGlobalPay was built on a simple principle: every legitimate business deserves fair access to reliable payment processing, regardless of its business model or vertical.