A Trusted Leader In High-Risk Payment Gateways
Getting approved for payment processing shouldn’t feel like a fight. At SoarPay, we specialize in placing merchants in high-risk industries with the right payment gateways and merchant accounts 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 heavily-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 gateway relationships and industry expertise to get you processing — and keep you processing.
Ready to get started? Apply today and get matched with the right payment gateway for your business.
SoarPayThe High-Risk Payment Gateway Specialist
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 gateways — like Square, Stripe and PayPal — only support low-risk merchants. We work exclusively with gateways and processors that support high-risk and regulated industries.
Built-In Security & Fraud Protection
Every gateway maintains PCI DSS compliance. Built-in fraud filters — including AVS and CVV verification — protect your transactions and customers from the moment they check out.
Fast & Easy Application
Our application is purpose-built for high-risk businesses. Our 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 payment gateways connect with WooCommerce, Shopify, and hundreds of popular POS systems — so your gateway 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.
Payment Gateway Comparison
| Square Payment Gateway | Stripe Payment Gateway | SoarPay High-Risk Payment Gateway ★ Best for High-Risk | |
|---|---|---|---|
| Gateway | Square Only | Stripe Only | Authorize.net, NMI or USAepay |
| Data Security | PCI DSS Compliance | PCI DSS Compliance | PCI DSS Compliance |
| Fraud Monitoring | Yes | Yes | Yes |
| Payment Methods | All Major Cards | All Major Cards | All Major Cards |
| Software | Native Software System | Native Software System | Many Integrations Available |
| Hardware | Square Hardware Only | Stripe Hardware Only | Many Hardware Options Available |
| Account Approval Process | Automated, with Post-Approval Monitoring | Automated, with Post-Approval Monitoring | Underwriting Typically Completed in 24-72 hrs |
| Pricing | $$-$$$ | $$-$$$ | Varies per Industry |
| Industries Allowed | Low Risk Only | Low Risk Only | Low Risk + High Risk |
| ACH Available | |||
| High-Risk Payments Expertise | |||
| Chargeback Tolerance | Low | Low | Higher |
| Account Stability For High-Risk Merchants | |||
| Dallas-based US Support Team |
Frequently Asked Questions
What is a high-risk payment gateway?
A payment gateway is a technology that securely transmits customer payment data from your website or point-of-sale system to your payment processor. A high-risk payment gateway is one that’s compatible with a high-risk payment processor. Unfortunately, many mainstream payment gateways are tied to traditional processors who won’t work with high-risk merchants; by contrast, a high-risk payment gateway is compatible with high-risk merchant services providers such as SoarPay.
Why do high-risk businesses need a specialized gateway?
Many mainstream payment gateways are tied to traditional payment processors, who won’t work with certain industries such as nutraceuticals, firearms, or travel industries. By working with a high-risk specialist like SoarPay, you can be assured that your merchant account and associated payment gateway are fully compatible with your industry.
What gateways does SoarPay work with?
SoarPay places merchants with leading high-risk compatible gateways, including Authorize.net and NMI. Both Authorize.net and NMI are reliable, secure options with strong platform compatibility. Depending on your unique industry and business needs, SoarPay will help identify which gateway is the right fit for you.
How do I apply for a high-risk merchant account and payment gateway through SoarPay?
Applying with SoarPay is straightforward. Our application process is designed specifically for high-risk and regulated businesses — no confusing paperwork, or drawn-out back-and-forth. Complete your application online, and our team will review your business and match you with the right gateway and 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.
