High Risk Merchant Account and Payment Processing Solutions

Get approved for a high risk merchant account with High Wire Payments. We specialize in CBD, vape, adult, crypto, nutraceuticals, seeds & clones, and more — fast onboarding and transparent pricing.

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High Wire Payments provides reliable high risk merchant account solutions for industries that traditional banks and payment processors refuse to support. Whether you sell CBD, vape, adult products, nutraceuticals, seeds, or crypto-related goods, we offer a compliant, scalable, and secure way to accept credit card payments online or in person.

Accept payments confidently.

Our network of 30+ acquiring banks ensures you can process Visa, Mastercard, Discover, and American Express without fear of shutdowns or frozen funds.

What Is a High Risk Merchant Account

A high risk merchant account is a specialized account that allows businesses in restricted or regulated industries to accept card payments. Banks consider these industries risky due to chargebacks, compliance complexity, or federal restrictions. High Wire Payments partners with banks that understand these markets and provide custom underwriting for:

CBD and hemp-derived products
Kratom and kava
Adult entertainment and subscription sites
Online smoke shops and vape retailers
Supplements and nutraceutical products
Seeds, clones, and plant genetics
Crypto, forex, and investment-related platforms

Why Choose High Wire Payments as Your High Risk Payment Processor

Most processors like Stripe, PayPal, and Square terminate merchants once they detect certain keywords or product categories. High Wire Payments was built for the industries they reject. Our team understands every layer of compliance, from CBD merchant accounts to adult merchant processing, and we actively maintain relationships with multiple banks to keep you stable even when others tighten restrictions.

Transparent Pricing

We use interchange-plus pricing so you always know exactly what you pay. No hidden markups, no rolling reserves unless required by the bank, and no long-term contracts.

Faster Approvals

Most high risk merchant account approvals take 3–7 business days. We handle document review, compliance screening, and bank matching to speed the process.

API and Gateway Options

Integrate easily through Authorize.net or NMI. Our gateways support recurring billing, subscriptions, CRM integrations, tokenized payments, and 3D Secure for fraud reduction.

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Industries Supported

CBD, hemp, delta, THCA
Kratom, kava, nutraceuticals
Adult subscriptions & content
Vape, smoke shops, age-gated retail
Seeds & clones; genetics/breeders

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How a Merchant Account Works

A merchant account connects your payment gateway to your bank. When a customer pays, funds move from their card to your merchant account, then settle into your business bank account within 24–72 hours. High Wire Payments handles settlements and chargeback management so you can focus on sales, not disputes.

Global and Offshore Merchant Accounts

For international sellers, we offer offshore and EU-based merchant accounts with USD/GBP/EUR and crypto settlements — ideal for merchants with international traffic or products that domestic banks won’t support.