The #1 Low Risk Payment Processor

The #1 Choice For Low Risk Credit Card Processing.

Why Are We #1? Because every client gets three guarantees (whether you sell online, over the phone, or in a retail location):

  1. Instant Online Quote. When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.
  2. Industry Minimum Pricing. You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.
  3. USA-Based Customer Support. When you call or email, you’ll always speak to our friendly support team, based in Houston, TX.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.


Questions? Call Our Team: 1 (888) 225-9405


FAQs For Low Risk Merchant Accounts

Here are some of the most frequently asked questions about low risk merchant accounts.

Do You Offer Free Equipment to Low Risk Merchants?

Yes! While many existing businesses prefer to continue using their existing point of sale system, which we offer to remotely transition to our credit card processing platform for free, for new retail businesses or retail businesses who are simply ready to get new credit card processing equipment, we offer free credit card processing terminals, or mobile swiping devices.

Simply indicate that you’re a retail or mobile merchant in your application, and you’ll be contacted by our sales team to discuss your free equipment options prior to shipping your equipment.


What Is Low Risk? What’s The Difference Between Low Risk And High Risk?

Merchants classified as “high risk” (from the perspective of the payment processing industry) have one or more of the following characteristics:

(1.) irregular or very high-ticket sales;
(2.) in an industry with a history of high chargebacks;
(3.) in an industry that large banks are “politically” unwilling to support; or
(4.) in a highly regulated industry.

Merchants classified as “low risk,” on the other hand, will typically have all of the following characteristics:

(1.) low to mid-ticket sales;
(2.) in an industry with a history of low chargebacks;
(3.) in an industry that is not politically controversial, and is not highly regulated.

A brick-and-morter coffee shop, a bookstore, or a restaurant would be a typical example of a low risk merchant.


Is My Industry Low Risk Or High Risk?

Click here to visit our full FAQ page and see the list of industries which are considered High Risk, as well as a list of Ultra High Risk industries which SoarPay is unable to serve.

If your business has a low chargeback rate, has low-to-mid-ticket sales, and is not politically controversial or highly regulated, it is probably considered low risk.


Do You Offer Lower Pricing For Low Risk Merchants?

YES! The Instant Price Quote you receive after you submit your online application will reflect your business’s risk classification.

SoarPay offers Industry Minimum Pricing to every client, which will depend on the client’s industry and sales volume. For low risk merchant accounts, we offer transparently priced, low interchange plus pricing.


Have another question? Click here to read our full FAQ.

Types Of Low Risk Merchant Accounts

Soar Payments offers all four major types of merchant accounts to merchants classified as low risk. To select an account type, simply choose on your application how your business will accept payments.



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How Does The Application Process Work?

Step 1. Apply Online

Complete the online application process (it takes 5 minutes). Click here to begin.

Step 2. Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

Step 3. Start Accepting Payments

Our Houston based Customer Support Team will help you get set up, fast and easily.

Our friendly Customer Support Team is standing by to approve your application:

Apply Now

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