An aggregator closed the account, or the bank said no. Usually with a form email that explains nothing.
High risk merchant accounts, nationwide
Turned down? We take a second look.
Open Sign Payments places a high risk merchant account for businesses that traditional processors decline, including hard-to-place, previously terminated and MATCH-listed merchants.
Hard-to-place is the whole business Declined, previously terminated and MATCH-listed merchants
Pricing in writing first Full schedule, including any reserve, before you sign
Nationwide placement Merchants in every state, one point of contact
No guaranteed-approval promises Approval sits with the acquiring bank, and we say so
How this usually goes
From declined to processing again
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1Declined -
2Second lookWe read the whole file: the termination, the statements, the chargeback history, the reason code if there is one.
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3Processing againYour application goes to acquirers that genuinely board your industry, with pricing in writing before you sign.
What changes
Getting you back on track
While you were down
- Revenue stopped the day the account closed
- Deposits you had already earned sat frozen
- Every new application came back declined for no stated reason
- Nobody would tell you whether you were on the MATCH list
Now that you are back
- A dedicated merchant account in your own name, not a shared aggregator MID
- An acquirer that underwrote your industry on purpose
- Full pricing in writing, including any reserve, before you sign
- A second account available so one termination cannot stop everything again
Just got dropped?
What happened, in plain English
Terminations rarely come with a useful explanation. These guides cover what actually happened, what it means for money you have already earned, and what to do next.
What to do when your processor drops you
The first seven things to do in the week after a termination.
Read the guideThe Mastercard MATCH list
What it is, how to find out if you are on it, and every reason code in plain English.
Read the guideMATCH list removal
The removal process, accurately, including what nobody can promise you.
Read the guideMerchant account after MATCH
Processing again while the listing runs out its five years.
Read the guideSquare deactivated my account
Why Square deactivates sellers, what happens to the balance, and what comes next.
Read the guidePayPal 180 day hold
What the hold is, when funds move, and how to keep selling in the meantime.
Read the guideStripe closed my account
Reading the closure email, the reserve question, and the replacement account.
Read the guide What we place
Merchant services for high risk businesses
A dedicated merchant account is the whole point: your own MID with an acquirer that underwrote your industry deliberately, instead of a shared aggregator account that can be switched off overnight.
High risk merchant processing
A dedicated account underwritten for your industry, not an aggregator that can switch you off.
Learn moreHigh risk credit card processing
Card acceptance for businesses whose chargeback exposure scares ordinary processors.
Learn moreHigh risk payment gateway
A gateway that works with high risk acquirers instead of shutting you out.
Learn moreOffshore merchant accounts
When no domestic acquirer will board the business, offshore is the honest option.
Learn moreFast approval merchant accounts
What instant approval really means, and where it is actually realistic.
Learn moreBad credit merchant accounts
Personal credit trouble does not have to end card acceptance.
Learn moreHigh risk merchant account fees
Every line item on a high risk statement, explained without a sales pitch.
Learn moreWhat makes a business high risk
How underwriters actually decide, in the order they decide it.
Learn morePayment aggregator vs merchant account
Why Stripe and Square can switch you off overnight, and what changes when you have your own MID.
Learn moreBackup merchant accounts
A second account so one termination cannot take the whole business offline.
Learn moreHigh risk MCC codes
Who decides a category is high risk, and how to check yours.
Learn moreMerchant account application
Every document underwriting asks for, and why.
Learn moreBest high risk merchant account
Seven criteria, in the order that actually matters.
Learn moreHigh risk business bank account
Why the bank and the merchant account are two decisions.
Learn more Why merchants pick us
A merchant account for a high risk business, without the theatre
This industry is full of sites promising guaranteed approval in ten minutes. Nobody can promise that, and the sites that do are the reason the category has the reputation it has. We work the other way around.
- You hear what your file actually supports. Before anything is submitted, you know how an underwriter will read your history and what is worth fixing first.
- Pricing in writing before you sign. The full schedule, including any reserve. Nothing appears on the statement that was not on the paperwork.
- Placement, not a portal. Your application goes to acquirers that board your industry on purpose, not into a generic queue that declines you a week later.
- Straight answers about MATCH. We explain the process accurately, including the parts nobody can promise. Read the MATCH list guide and judge for yourself.
Who we serve
Industries ordinary processors decline
Each industry gets its own page, because underwriting a peptide store and underwriting a travel agency have almost nothing in common. Find yours.
Peptides Peptide payment processing Travel Travel agency merchant accounts Firearms & FFL Firearms and FFL payment processing Credit repair Credit repair merchant accounts Supplements Nutraceutical merchant accounts Debt collection Collection agency merchant accounts Dropshipping Dropshipping payment processing
Serving businesses nationwide
Turned down somewhere else? Tell us what happened.
We place merchant accounts for hard-to-place, previously terminated and MATCH-listed businesses. You see pricing in writing before you sign anything.
Common questions
What merchants ask before they get in touch
Do not see your question? The full FAQ goes further, or tell us what happened and we will answer it directly.
What is a high risk merchant account?
It is a merchant account placed with an acquiring bank that knowingly underwrites elevated risk: higher chargeback exposure, a regulated product, a subscription or future-delivery billing model, or a business with a termination in its past. The account works like any other, but the underwriting, pricing and monitoring are built for that risk.
My processor just shut me down. How fast can I take cards again?
It depends on your industry, your paperwork and why the last account closed. Get in touch and you will get an honest read on what your file supports rather than a number designed to win the sale. Having bank statements, prior processing statements and your formation documents ready shortens every step.
Can I get a merchant account while I am on the MATCH list?
Often yes. A listing rules out most ordinary processors automatically, but acquirers that specialise in hard-to-place merchants review MATCH-listed applications case by case, weighing the reason code, how long ago it happened and what has changed since.
Do you guarantee approval?
No, and you should be wary of anyone who does. Approval always sits with the acquiring bank. What we do is place your application with acquirers that actually board businesses like yours, and prepare the file so it gets a fair reading.
What does high risk processing cost?
More than a low risk account, and the exact pricing depends on your industry, volume and history. We publish no rate card because no honest one exists before an underwriter has seen your file. You get the full schedule in writing before you sign anything.