Have you been turned down for credit card processing for being high risk?

We have a 99% approval rate.

High-Risk Processing with TowersPay

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 TowersPay – it’s easy to get started.


Spend less time waiting and more time watching the money come in. With TowersPay, we know that time is money and we have the perfect high-risk processing account for your business.


Don’t let others lock you into a long-term contract with an expensive exit clause. With TowersPay, there are no long-term contracts for any of our high-risk processing accounts.


Who wants to pay to set up their account? We certainly don’t and we make sure our high-risk processing clients don’t have to either.


We have the lowest transfer rates in the high-risk sector. Put us to the test and find out how much money we can save your business.


Setup shouldn’t take forever, and with TowersPay’s quick setup process you won’t be left without the ability to accept payments once you’re approved.

We are proud to offer Zero Fee Processing to high prosecution risk merchants!

Greatly reduce what your business must pay to accept card payments.

High-Risk Traders

A high-risk merchant account is often best for businesses with high returns, high turnover, or increased risk of fraud or chargebacks. Many times businesses are considered high risk just because the nature of the business is considered high risk. The business may be completely legitimate, not have any chargeback issues or increased fraud, but still, be given a high-risk processing status. Many businesses are not even aware that they are considered high risk and can be quickly rejected by other processors. Here at TowersPay, we do whatever it takes to get you to take payments as quickly as possible. Below is a list of some of our high-risk processing business deals.

Bad credit business account

Many merchants are business owners but learn that their personal credit has made it difficult to open a merchant account. Here at TowersPay, we understand that life doesn’t always go as planned and we believe in giving second chances. We have many programs that allow us to approve high-risk payment processing accounts, regardless of personal or business credit history. If you want to grow your business by accepting credit cards, but personal or business credit has been a problem, let TowersPay be your new processing partner. Don’t lose more sales than you already have because you can’t accept credit cards. You don’t have to wonder how to get a business account with bad credit. We have the perfect high-risk credit card processing account for your business.

We value high-risk traders

At TowersPay, we pride ourselves on four core values ​​when it comes to processing our high-risk merchant accounts: integrity, honesty, dedication, and service. We believe that no matter the industry or situation, you have the right to accept credit cards as a form of payment just as you have the right to accept cash. Studies have shown that people will spend 12-18% more when using a credit card, and as a business, you want to be able to get your share of that pie. With years of experience, TowersPay will help you get your business back by accepting credit cards with our high-risk accounts.

  • Startup
  • Sale of cigarettes
  • Online gambling
  • Medical devices
  • Electronic commerce
  • CBD products
  • CBD Ecommerce
  • Marijuana dispensaries
  • Travels
  • Adult entertainment
  • Strip clubs
  • Quotes
  • Credit repair
  • Kratom Online

A few words about instant approval of high-risk business accounts

When you’ve been told by other merchant account providers that you’re classified as a high-risk business, it can seem much more difficult to start accepting credit cards. There can be many hurdles to overcome, and many payment processors seem hesitant to offer you their merchant services.

As payment processors for high-risk industries, we get a lot of questions about instant credit card processing approval. We get it, you want to be able to accept credit card payments as quickly as possible. When you want to open a high-risk business account, it can be difficult to get a processor to work with you. And while instant approval for high-risk processing is definitely appealing, there are a couple of things we want you to know.

First of all, there is no such thing as an instant high-risk trading account. Traditional approval for high-risk business accounts or a bad credit business account can take at least 3-5 business days, but will typically take several weeks to get subscribers approved.

So while we know you want approval right now, know that high-risk payment processors that claim you can open a merchant account instantly will often lock you into long-term contracts loaded with lots of fine print and hefty fees. Also, it will take them at least 3-5 business days to get your approval. No thanks.

Since we serve many high-risk merchants or people who need to open business accounts for bad credit, we know how to get results fast. TowersPay can get our high-risk merchant accounts approved in as little as 48 – 72 hours. Trust us, that’s fast for a high-risk credit card processor. And since we have a 99% approval rate, there’s a good chance we can work with you!