Why Choose SoarPay For Your Merchant Account?
Over a decade of high-risk expertise. Finally, a merchant account built for your business.
When it comes to high-risk payment processing, experience isn’t just a nice-to-have — it’s everything. SoarPay has spent over a decade placing merchants in high-risk and regulated industries with the right accounts, the right banks, and the right support to stay processing long-term.
We know the challenges your business faces: managing chargebacks, staying compliant with programs like Visa’s VAMP, and finding a payment solution that actually works with your existing setup — whether that’s Shopify, WooCommerce, WordPress, or something else entirely.
When you have questions, you’ll always reach a real person — our Dallas-based team knows high-risk payments inside and out.
Ready to get started? Apply today.
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 |
Frequently Asked Questions
What is a high-risk merchant account?
A merchant account is a type of bank account that allows your business to accept credit and debit card payments. A high-risk merchant account is one specifically designed for businesses in industries considered high-risk by banks and payment processors — giving those merchants access to the same card payment infrastructure available to low-risk businesses, with terms and underwriting suited to their industry.
Why do high-risk businesses need a specialized merchant account provider?
Many mainstream providers — like Square, Stripe, and PayPal — only work with low-risk merchants. If your business operates in an industry like nutraceuticals, firearms, or travel, you need a provider who specializes in high-risk. Working with a specialist like SoarPay means your account is fully compatible with your industry, with fewer restrictions and a much higher likelihood of approval.
Will SoarPay integrate with my existing shopping cart or point-of-sale system?
Most likely, yes. SoarPay merchant accounts are compatible with a wide range of platforms — including Shopify, WooCommerce, and WordPress for ecommerce, plus hundreds of popular point-of-sale systems. On the gateway side, we work with several high-risk friendly options, including NMI and Authorize.net. Not sure if your platform is supported? Reach out and we’ll let you know.
What industries does SoarPay support?
SoarPay supports 50+ high-risk and regulated industries, including nutraceuticals, firearms, travel, credit repair, and many more. If you don’t see your industry listed, reach out — chances are we can help.
How do I apply for a high-risk merchant account through SoarPay?
Applying with SoarPay is straightforward. Our application process is designed specifically for high-risk and regulated businesses — no confusing paperwork, no drawn-out back-and-forth. Complete your application online, and our team will review your business and match you with the right merchant account for your needs. Have questions along the way? Our in-house support team is always available by phone or email.
Want more information? Click here to view our extended list of FAQs.
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.
