High-Risk Merchant Solutions
Processing that won’t disappear on you
If your account has been frozen, declined or shut down without warning, you know the cost. Hermosa Payments works with processors that underwrite high-risk businesses up front, so you get a stable account with clear terms instead of a surprise closure.
Serving high-risk businesses across Los Angeles, Riverside and San Diego counties
Common payment challenges for high-risk businesses
Sudden account closures.
Mainstream processors drop high-risk merchants with little notice.
Frozen funds.
Held payouts strain cash flow.
Chargebacks.
Disputes trigger fees, reserves and monitoring programs.
Rolling reserves.
A share of every sale held back with unclear release terms.
Limited options.
Many processors won’t approve your business type at all.
Higher rates.
Pricing that isn’t explained or doesn’t match your actual risk.
Compliance and chargeback protection
- Underwriting done properly at the start, which lowers the risk of a sudden shutdown
- Chargeback alerts and prevention tools to stay below card-network thresholds
- Clear reserve terms, explained before you sign
- Fraud screening for card-not-present and subscription sales
Approval, rates and reserves depend on underwriting and business type.
Payment options for high-risk merchants
High-risk merchant accounts
- Accounts from processors that specialize in your industry
Payment gateway
- Secure online checkout for e-commerce and subscriptions
Recurring billing
- Subscriptions with smart retries for failed payments
Chargeback management
- Alerts, dispute tools and reporting
Fraud prevention
- Address and card checks, velocity limits and 3-D Secure
Multiple accounts
- Spread volume across accounts for redundancy
ACH & eCheck
- Bank payment alternatives to cards
In-person payments
- Terminals for retail locations
Works with your store and billing tools
We connect high-risk processing to the e-commerce and subscription platforms you use. Platforms to check include WooCommerce, BigCommerce, Shopify (where permitted) and major subscription billing tools. Availability varies by processor and business type.
- 01WooCommerce
- 02BigCommerce
- 03Shopify (where permitted)
- 04Subscription billing tools
A more stable way to get paid
Fewer surprise freezes and closures
Lower chargeback ratios
Predictable payouts and reserve terms
One point of contact who knows your account
Who we work with
- CBD and hemp
- Nutraceuticals and supplements
- Subscription and membership businesses
- Firearms and accessories
- Vape and tobacco
- Travel and ticketing
- Other specialty industries
Helpful reading
All articlesLet’s find you a stable account
Send us your recent statements and we’ll review your options for free, including what to expect on rates and reserves.
Merchant accounts are subject to underwriting and approval. Rates, reserves and terms vary by processor and business type.