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Choosing a high-risk processor can make you feel like you’ve run the gauntlet. Learn how you can open a high-risk merchant account with Alt-Pay - it’s easy to begin the process.
With over 20 years of experience providing high risk merchants with credit card processing we know how to get it done.
We consider all business types and regularly accept applications from many high-risk industries, including memberships, firearms, eBooks, dating, adult, coaching, digital goods, telemedicine, and more.
We work with multiple banks and offer both domestic and offshore solutions to give you the flexibility you need.
Our team will work hard to get your account approved at the lowest possible rates with no hidden fees or extras.
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In-depth online reporting hub
Free equipment
Next-Day Funding
Ecommerce shopping cart integration
Full chargeback protection
Fraud prevention tools
Talk to one of our payment experts so we can learn about your business and create a strategy for reducing your costs and provide you with the latest technology to meet your business's needs.
We'll show you exactly how much we can save you each month and what technology options you have.
Apply for your new merchant account and be approved in 24-48 hours.
Start accepting credit card payments from your customers, knowing you are paying the lowest fees possible.
Credit card processing companies have a different approach to high-risk businesses than low-risk ones. Their approach is based on the level of financial risk they assume when they process transactions for you. Your business will be carefully evaluated and it will determine whether or not your business falls into the “high-risk” category.
Running a business today typically requires that you allow your customers the option of making payments with credit or debit cards. In fact, credit/debit cards processing are just about the only way you can get paid for your services if you are a eCommerce entrepreneur. Though small businesses can get by with payment gateways like PayPal or Square, an upgrade to a full-service merchant will be required once your business reaches a certain size. While it would be great if credit card processors treated all businesses equally, the reality is they don't.
Simply put, no. We have banks that are flexible with poor credit as long as the other parts of your business check out. For instance, if you have poor credit but a beautiful looking website, decent financials, and no negative complaints online, then the bank would be okay with supporting that account. You could also get a cosigner as a last resort.
On average, we can get you set up between 3-5 business days. This all depends on the business type, bank, and the processing volume requested. The faster you can turn in a complete file, the faster we can get the account set up.
No, we can take on new startups as well as businesses that have been around for years. You also don’t need to have tons of money in the bank because most start-ups are bootstrapped and our banks understand this!
Regardless of the bank that will be supporting your business, they will need a copy of your ID and a voided check or bank letter. Website compliance and additional documentation may be asked for, but will vary on a case-to-case basis.
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VMS provides exceptional support. Whenever I call, James and Jerry are always there to pick up the phone and help resolve any issues promptly. Their reliable assistance makes all the difference for my towing business.
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"VMS provided a comprehensive solution for our credit card processing and point of sale needs, streamlining our tree trimming business. Their training and ongoing support have been outstanding, ensuring everything runs smoothly. I couldn't be happier with their service."
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