13940 Umbria Way

Poway, CA 92064

Mon - Fri: 9:00am - 5:00pm

Hours of Operation

High Risk Merchant Accounts

HomeHigh Risk


Number of Merchants


Daily Transactions


Daily Volume

Frequently Asked Questions

No, you do not have to fill out multiple applications. We do all of our underwriting in-house and board you on the solution best suited for your business.

Upon receiving the application and required KYC, your account should be ready within 24/48 hours. You will be notified upon approval.

What makes InstaMerchant Paymentsunique is that we are the only processor that does not cap your volume. We want to be able to grow with you. 

What is considered high risk?

Every day, banks turn down online merchants that have excellent credit scores, good reputations, and solid revenue streams because they don’t have bricks-and-mortar businesses or enough assets. Banks classify these companies as high-risk merchants because there is a greater chance that these businesses disappear or go bankrupt before they pay back their debts.

Traditional financial institutions also don’t like to work with businesses, such as online dating, auction, and gambling sites, adult entertainers, telemarketers, and web-hosting services. Banks turn them away their rates of failure are higher and they sell what they consider questionable products or services.

It’s simple. We take the risk when banks won’t. Fill out an online application today and get approved in as little as 24 hours.

When banks turn businesses away, we are there to help. Get started today.

We offer solutions for all types of high risk industries including:

Online Gaming & Casinos (Licensed)
Forex (Licensed)
Medical Marijuana
Electronic Cigarettes
Crowd Funding
Diet & Weight Loss Programs
Multilevel Marketing
Fantasy Sports
Bad Credit Merchant Accounts

Online Electronic Sales
Moving & Transportation
TMF Merchants
Credit Repair Accounts
Jet Charters
Educational & Seminars
Online Ticketing Sales
Debt Consolidators
Bail Bonds
Calling Cards

Travel & Timeshares
Adult Industry
Collection Agencies
High-Ticket Accounts
Penny Auctions
VOIP and Telecom
Tech Support
Cigars and Pipes
High Volume Merchants
Software and E-Book Merchants
And Many More industries!!!!

How do we compare to other other providers?

We offer the most competitive pricing and the highest rate of approved high risk merchant accounts, with a full suite of services and an interactive online application process that’s easy and efficient to use.


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