Enhanced & High Risk

Small business payment processing systems Next Stage Payments

For a number of reasons, some merchants are fairly or unfairly categorized as high risk, enhanced risk or unqualified by some payment processing companies. Either the nature of your product or service is deemed risky due to return rates, risk of chargebacks or your business is viewed as unstable from an insufficient funds perspective. Perhaps your particular industry has a high rate of failure that creates risks concerning pre and post sales/service fulfillment. Some industries have stricter regulations (or few regulations). All these factors and more can brand the business with an unsavory reputation that make many banks avoid them. Next Stage Payments is able and willing to help these businesses navigate this challenging and often frustrating process.

  • Subscription and Membership Services
  • Hemp Services
  • Multi-Level Marketing
  • Money Service Businesses
  • Travel Agents
  • Bail Bonds
  • Pawn Shops
  • Foreign Based Businesses
  • Nutraceuticals and Supplements
  • Firearms and Ammo
  • Debt Collection Services
  • Vape and Glass Paraphernalia
  • Kratom
  • Seed
  • Unconventional

These types of businesses may face incredible hurdles when they require payment processing services. Next Stage Payments is your preferred provider if you operate a small to medium-sized high risk business.

Premium Partnerships for High-Risk Companies

Next Stage Payments has multiple partnerships with sponsor banks who specifically support high-risk business types through their industry approved programs. Together, we work to ensure you avoid disruptions and reduce your exposure to fraud with above-board underwriting and transparent compliance procedures. Our experts also implement robust fraud protection services that limit your exposure to disruption, and reduce your risk of chargebacks and the expenses these issues cause.

Multiple Processing Options


High Risk merchant services programs are developed for niche verticals who often face enhanced rules and regulations by the card brands thus affecting the longevity of many of these programs.  Because of this, we prepare for likely disruption that is caused by the loss of a sponsor bank or specific program by working with multiple banks for load balancing and processing redundancy. 

Premium Partnerships for High-Risk Companies

Next Stage Payments has multiple partnerships with sponsor banks who specifically support high-risk business types through their industry approved programs. Together, we work to ensure you avoid disruptions and reduce your exposure to fraud with above-board underwriting and transparent compliance procedures. Our experts also implement robust fraud protection services that limit your exposure to disruption, and reduce your risk of chargebacks and the expenses these issues cause.

Multiple Processing Options


High Risk merchant services programs are developed for niche verticals who often face enhanced rules and regulations by the card brands thus affecting the longevity of many of these programs.  Because of this, we prepare for likely disruption that is caused by the loss of a sponsor bank or specific program by working with multiple banks for load balancing and processing redundancy. 

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A True Partner In The Payments Space

Ready for a custom solution to improve your payment experience, while increasing your efficiency and reducing your risk?