The #1 Mid Risk Payment Processor

The #1 Choice For Mid 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 Mid Risk Merchant Accounts

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

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

Many merchants are familiar with the term “high risk” as it pertains to their credit card processing, but are unfamiliar with the “mid risk” classification. Essentially, merchants classified as “mid risk” may 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.

The difference between the two classifications is usually one of degree. For instance, a slightly-higher-than-average chargeback ratio may mean a business cannot be classified as “low risk,” but the business otherwise has “low risk” merchant characteristics; so rather than classifying the business as “high risk,” SoarPay can extend “mid risk” pricing to these types of merchants, therefore saving the merchant on monthly fees.

Many payment processors do not bother with the distinction between high risk and mid risk merchant accounts, but SoarPay does so in able to deliver our Industry Minimum Pricing.


What Industries Are Considered Mid Risk?

The following industries may be considered mid risk OR high risk; the ultimate classification is specific to each business, and is dependent upon many factors including method of sale (phone, Internet, in-person retail, etc.) as well as chargeback rate, account history, and so on.

That said, the following industries contain many businesses which are classified as mid risk or high risk:

Please note, this is NOT a complete list; SoarPay serves 50+ additional low and high risk industries, too.


What Industries Does SoarPay NOT Accept As Clients? (Prohibited Businesses)

Click here to visit our full FAQ page and see the comprehensive list of industries which SoarPay is unable to serve.


Do You Provide Merchant Services For Non-USA Clients?

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA.


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

Types Of Mid Risk Merchant Accounts

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



Virtual Terminal



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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