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High Risk
DeposytHigh Risk
Payments for the businesses everyone else declines.
High risk is not a verdict on your business. It is a code in someone else’s risk model. We underwrite the category on the facts, tell you the terms before you apply, and stay when the volume gets real.
The hard part is already handled.
350+ Five Star Reviews on Google
✓Honest underwriting
✓Chargeback defense
✓Load balancing
✓Next-day funding
Why high risk is different
Why high risk needs an honest answer.
The problem is rarely your business. It is being priced and policed by a model built for a coffee shop.
The code
Flagged on the label
Your category is declined before a single transaction runs.
Chargebacks
Ratios that matter
Crossing a threshold ends the account, so it has to be managed.
Reserves
Held funds
Rolling reserves tie up the cash the business runs on.
Shutdowns
No notice
Generic processors offboard first and explain later.
Limits
Volume caps
Caps set for the average business throttle yours.
Pricing
The honesty gap
Quoted low, repriced quietly, three statements in.
Who we serve
The categories we already underwrite.
Nineteen verticals with written policy. If the compliance story holds, we will look at it.
Nutra
Supplements
Auto-ship and continuity offers.
PeptidesPeptides
Compliant research and wellness lines.
CoachingCoaching
High-ticket programs and payment plans.
DatingDating
Apps, sites, and matchmaking.
GamingGaming
Virtual goods and in-app purchases.
FirearmsFirearms
Licensed dealers, in store and online.
Direct sellingDirect selling
MLM and party plan programs.
TravelTravel
Deposits paid long before delivery.
PawnPawn and lending
Collateral loans and second-hand retail.
Do not see your category here? Tell us what you sell and we will give you a straight answer. Call us.
What to watch for
What high-risk merchants watch for.
These are the failures that close accounts, in the order they usually happen.
Teasers
The quoted rate
A low headline rate that drifts up once volume lands.
Ratios
Chargeback thresholds
No alerts and no defense means the ratio decides your fate.
Reserves
Surprise holds
A reserve imposed after approval, not disclosed before it.
One processor
Single point of failure
One account, one outage, and revenue stops.
Descriptors
Unrecognised charges
The cheapest disputes to prevent are the ones you cause.
Compliance
Site language
Claims and terms end more accounts than fraud does.
How we help
How we keep you approved and processing.
Underwriting, defense, and redundancy, built as one account instead of three vendors.
Underwriting
Approved on the facts
We read the business, not just the category code.
Defense
Chargeback protection
Alerts, evidence, and representment worked with you.
Redundancy
Load balancing
Split volume across accounts so one decline does not stop sales.
Recovery
Dunning built in
Retries and an account updater recover the failed rebills.
Keep more
Dual pricing
Card and cash pricing so processing cost is covered.
Real support
People who answer
A team that stays on the phone when the volume gets real.
Getting started
What you need to get approved.
High-risk underwriting asks for more, so here is exactly what to have ready.
The basics
Business and ID
Formation documents, EIN, and owner identification.
History
Processing statements
Three to six months, including the chargeback history.
Compliance
Site and terms
Your live site, refund policy, and terms of service.
The model
How you sell
Offers, ticket sizes, and rebill structure, described plainly.
Tell us the truth about the business and we will tell you the truth about the terms.
What you get
Everything a high-risk merchant needs to stay open.
Approval is one piece. Staying approved takes the defense, the redundancy, and the recovery around it.
Load balancing
Load Balancing
Split volume across multiple accounts so one decline never stops your sales.
DunningRevenue Recovery
Automatic retries and an account updater that recover failed rebills.
Dual pricingOffset Your Fees
Show a card price and a cash price so processing cost is covered on every charge.
GatewayDeposyt Gateway
One secure hub for checkout, API, and reporting across every account.
RecurringRecurring Billing
Subscriptions and card-on-file with retries on failed renewals.
FundingNext-Day Funding
Your sales today, in your account as soon as the next business day.
Zero-fee option
Offset your fees on every charge.
Dual pricing shows a card price and a cash price, calculated by our software, so high-risk pricing stops eating the margin on every order.
See Dual PricingQuestions, answered
Questions, answered simply.
The things business owners actually ask. If yours is not here, a real person is a phone call away.
What makes a business high risk?
A category code, a chargeback profile, or future delivery. It is a classification, not a judgement, and we underwrite the business behind it.
Will you tell me the terms before I apply?
Yes. Rate, reserve, and limits are stated up front rather than revealed on your third statement.
Do you charge a reserve?
Sometimes, depending on the category and history. When we do, you know the amount and the release schedule before you sign.
How do you handle chargebacks?
Alerts, clear descriptors, evidence packages, and representment worked with our team, not left to you.
Can I run more than one account?
Yes. Load balancing splits volume across accounts so a single decline or outage does not stop sales.
How fast do I get funded?
Approved charges can be funded as soon as the next business day.
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