High Risk Merchants.
Say yes to the merchants other processors turn away — compliant high-risk placement.
Built For You, Configured By Us.
CBD, vape, nutraceuticals, credit repair, travel — we place hard-to-board merchants with banks that actually want the business, with honest terms.
Underwritten properly the first time, so accounts stay open.
- ★High-risk underwriting expertiseWe board CBD, vape, nutraceutical, credit repair, and travel merchants with acquiring banks that explicitly accept the vertical — so accounts stay open.
- ★Chargeback mitigation toolsPrevention alerts, clear descriptors, and dispute-response support keep your chargeback ratio under the thresholds that get high-risk accounts terminated.
- ★Compliant descriptor setupBilling descriptors and account configuration done right the first time, so customers recognize the charge and your processing doesn't go dark over a miscode.
- ★Stable, long-term processingHonest reserve terms disclosed up front and acquirers who want your business — not a teaser approval that gets swept away in the next compliance review.
Hard To Place Doesn’t Mean Impossible.
A high risk merchant is a business that mainstream processors decline or drop — not because it’s doing anything wrong, but because its industry, chargeback exposure, or billing model falls outside standard underwriting. CBD, firearms, subscription billing, travel, supplements, high-ticket services — legitimate businesses, routinely frozen or terminated by processors that approved them carelessly in the first place. The account that matters isn’t the one that opens fast; it’s the one that stays open.
Lone Star Payments places hard-to-place merchants through processing relationships built for their risk profile, with the application done honestly up front — full disclosure, correct industry codes, realistic volumes — so the account survives underwriting review instead of tripping it. For agents, that’s a real differentiator: high-risk deals pay stronger residuals, face less competition, and stick, because a merchant who’s been shut down twice doesn’t leave the partner who finally got them stable.
Day one — the right time to disclose your full risk profile; surprises in underwriting, not risk itself, are what freeze accounts.
Where Payments Hurt
- ★Approved by a mainstream processor, then frozen the first strong sales month.
- ★Held funds and sudden terminations with no warning and no recourse.
- ★Quoted absurd rates simply because the industry code says “high risk.”
- ★Agents walking away from good deals because their processor won’t board them.
How Lone Star Fixes It
- ★Start with an honest risk profile — our high risk merchant account guide covers what underwriters look for.
- ★We match the merchant to a processor built for the category, not a generic pipe that panics later.
- ★Chargeback alerts and dispute tools go in on day one, protecting the account’s standing.
- ★Before signing anywhere, check the contract against our merchant agreement red flags list — high-risk merchants get the industry’s worst paper.
High Risk Merchants Owners Ask Us
My account was terminated. Can I get approved again?
Usually, yes — if the next application is done right. A termination, even a MATCH listing, narrows your options but rarely ends them. We place merchants after shutdowns by disclosing the history up front and matching them to underwriters who accept it.
Will I pay more as a high-risk merchant?
Typically somewhat more than a standard retail account — that’s the honest answer. But the spread between a fair high-risk rate and the predatory quotes many merchants accept is enormous, and we price from the fair end.
Do you work with high-risk businesses across Texas?
Yes. From Dallas we support hard-to-place merchants statewide — CBD in Austin, firearms in Fort Worth, subscriptions in Houston — and the Texas agents who bring those deals through our partner program.
Explore Specialty
Ready To See It In Action?
Call (214) 838-1818 and a specialist will walk you through the right setup for your business — and ask about up to $5,000 to upgrade your POS.
