Why Choose SoarPay?
Say goodbye to payment headaches, and get a merchant account that’s built to support your industry.
Getting approved for a high-risk merchant account shouldn’t feel like a fight. At SoarPay, we specialize in placing merchants in high-risk and regulated industries with the right merchant account for their business — so you can focus on growth, not payment problems.
Our application process is simple and purpose-built for businesses like yours. We understand high-risk and regulated industries, which means less back-and-forth and faster approvals.
You’ll also receive transparent, competitive pricing from day one. No hidden markups, no haggling — just clear rates you can count on.
Whether you’re in nutraceuticals, firearms, travel, or another high-risk or regulated industry, SoarPay has the expertise and banking relationships to get you processing — and keep you processing.
Ready to get started? Apply today and get matched with the right merchant account for your business.
SoarPay
By The Numbers
- 1,000+
Merchants Helped - 50+
Industries Supported - 12+
Years Specializing in High-Risk
The Features You Need. Built For Your Industry.
The right gateway. The right merchant account. The right partner.
Everything high-risk merchants need, in one place.
High-Risk Friendly
Many mainstream payment providers — like Square, Stripe, and PayPal — only support low-risk merchants. We work exclusively with processors and acquiring banks that support high-risk and regulated industries.
Built-In Security & Fraud Protection
Every merchant account we place includes built-in fraud filters — including AVS and CVV verification — to protect your transactions and customers from the moment they check out.
Fast & Easy Application
Our application is purpose-built for high-risk businesses. Expert underwriting, typically completed in 24 to 72 hours, keeps your account stable — so you can grow your business with confidence.
Broad Integration Compatibility
Our merchant accounts connect with Shopify, WooCommerce, WordPress, and hundreds of popular POS systems — so your solution works with the platforms you already use.
Dallas-Based Client Support
When you call or email, you’ll always reach our in-house team — knowledgeable, friendly people who understand high-risk payment processing. No third-party call centers, no run-around.
Industry Expertise
With over a decade in high-risk payments, plus direct relationships with specialized acquiring banks, SoarPay brings the experience and connections your business needs to thrive.
Merchant Account Comparison
| Typical Low-Risk (e.g. Stripe or Square) | Other High-Risk Merchant Accounts | SoarPay High-Risk Merchant Account Recommended | |
|---|---|---|---|
| Industries served | Low risk only | Some high-risk industries | Most high-risk industries |
| Account approval | Automated, instant | Underwriting required; can take days or weeks | Approved in 48–72 hrs |
| Application process | Simple, low-risk only | Complex, often unclear | Simple online app, under 10 min |
| Pricing transparency | Clear, but limited plans | Often opaque, with hidden markups | Transparent, with no hidden markups |
| Data security | PCI DSS Compliant | PCI DSS Compliant | PCI DSS Compliant |
| Payment methods | All major cards | All major cards | All major cards |
| Gateway options | Proprietary only | Limited | Authorize.net, NMI, USAePay & more |
| Hardware options | Proprietary hardware only | Limited | Many hardware options available |
| ACH available | |||
| Fraud monitoring | |||
| Chargeback tolerance | |||
| High-risk expertise | Varies | ||
| Account stability | Varies | ||
| Client support | Automated / offshore | Often outsourced | In-house, US-based support team |
SoarPay Makes Integration Easy
How Does The Application Process Work?
- Collect Basic Business Info
Get ready with your business name, EIN, and contact information. - Apply Online
Complete our online application in under 10 minutes. Get Started. - Get Approved & Start Processing
Many applications are approved within 48-72 hours.
What Business Owners Are Saying About SoarPay
The Soarpay team is fantastic! I've really enjoyed working with Kyle and the rest of the team. What stands out the most is how easy it is to reach them—they’re always just a call or email away. No waiting.
Very impressed with this service! They have been awesome. Never had problem with any releases of reserve! Every time I call they have someone I can get on the phone with. Our account manager Cristine has been nothing but excellent!
Terrific customer service!! Extremely helpful with the information I needed & very attentive to detail. I’m so happy with this company.
