The Merchant Account
That Says Yes.
Stripe, PayPal, and Square said no. We built our entire business around getting you approved — and keeping you processing.
No application fee · No obligation · Response within 24 hours
Approval Rate
Across all high-risk verticals
Avg. Time to Approval
From completed application
Industries Served
Including the hardest to place
Application Fee
Always. No exceptions.
Every "No" Has a Reason.
We Address Each One.
"Your account has been terminated."
Stripe, PayPal, and Square closed your account without warning — often freezing funds for 90–180 days. You can't sell. You can't pay staff. You're stuck.
Sage Payments places you with acquiring banks built for your exact industry. Human underwriters review your application — no automated rejection algorithms.
"You're drowning in chargebacks."
Chargeback ratio crossed 1%, banks see you as a liability. No one explains what to do. They just shut you off.
Every account includes chargeback monitoring, dispute tools, and Verifi/Ethoca pre-dispute resolution networks. We keep your ratio below 0.5%.
"We can't support your industry."
CBD, supplements, adult — all listed in prohibited sections of mainstream processors' ToS.
We serve 20+ industries conventional processors prohibit. You're our specialty, not a liability.
"The fees are unpredictable."
Signed up, three statements later you're paying double. Reserves appeared without warning.
We disclose every fee before you sign. Rate, gateway, statement, chargeback, and reserve terms in writing. What you sign is what you pay.
"You don't have enough processing history."
New business or post-termination, processors want two years of statements. Catch-22.
We work with new businesses, bad credit, and post-termination merchants. Underwriting is based on business model and current situation.
"Sage Payments exists for one reason: to give compliant businesses in difficult industries access to the payment processing they deserve."
Your Industry Is Listed.
We Approve It.
Find your vertical below. If it's listed, we have bank relationships ready to underwrite your account — without the runaround.
CBD & Hemp
Federally compliant processing, stable accounts, no holds.
Adult Entertainment
Discreet, stable, offshore-capable accounts for adult platforms.
Nutraceuticals & Supplements
High-volume processing for supplement brands.
Travel & Ticketing
Refund-resilient processing for agencies and event sellers.
Credit Repair
Compliant processing for CROA-regulated credit services.
Debt Collection
FDCPA-conscious processing for collection agencies.
Online Gaming
Skill gaming, sweepstakes, and regulated gaming operators.
Vape & E-Cigarettes
Age-verified, FDA-aware processing for vape retailers.
Subscription Billing
Recurring billing for high chargeback environments.
Cryptocurrency
Fiat on/off-ramp for crypto exchanges and wallets.
MLM & Direct Sales
Compliant processing for multi-level sales organizations.
Telemedicine
HIPAA-conscious payment rails for telehealth services.
Dating Apps
Subscription processing for dating platforms.
Don't see your industry? Contact us — chances are we can still help.
From Application to Approval in
3 Steps
Submit Your Application
Complete our streamlined 10-minute online form. Tell us about your business, your industry, and your monthly processing volume. No hard credit pull. No commitment required.
Human Underwriting Review
A dedicated Sage Payments underwriter reviews your application personally. We match your business profile to the right acquiring bank from our network of high-risk-friendly financial partners. We'll contact you if we need anything additional.
Start Processing
Once approved, your merchant account is activated with your gateway of choice. Our onboarding team handles technical integration for Shopify, WooCommerce, or custom stacks.
Ready to start?
Apply Now →Everything You Need to Process,
Nothing You Don't.
Chargeback Defense Suite
Verifi + Ethoca pre-dispute alerts, real-time monitoring dashboards, dispute workflow. Resolve disputes before they become chargebacks. Keep ratio below 0.5%.
Multi-Gateway Access
NMI, Authorize.net, and offshore gateways. Integrates with Shopify, WooCommerce, Magento, BigCommerce, and custom APIs. Never locked into a proprietary ecosystem.
Next-Day Funding
Qualifying verticals get next-business-day ACH settlement. No waiting 3–5 days.
International Processing
Accept payments from 150+ countries. Multi-currency settlement, local payment methods, offshore acquiring bank options where domestic banks decline.
Fraud Prevention Tools
AVS + CVV verification, velocity filters, BIN analysis, 3D Secure 2.0 support. Dramatically reduces fraudulent transactions before they become disputes.
ACH & eCheck Processing
In addition to card processing: ACH/eCheck options for lower processing costs, fewer chargebacks, and bank-transfer-preferring customers.
Dedicated Account Manager
Every merchant gets a real, named account manager who knows your industry. One person to call — not a helpdesk queue.
Rolling Reserve Management
Structure reserves as minimal as possible with a clear roadmap to reduce/eliminate them. All reserve terms disclosed upfront. No surprises.
Your High-Risk Business Deserves a Processor That Says Yes.
Join thousands of merchants in CBD, adult, nutraceuticals, and 20+ more industries who process confidently with Sage Payments.
Get Your High-Risk Merchant Account
Complete the form below and a Sage Payments underwriter will contact you within 24 hours. No commitment required.
What Happens After You Apply
- 1
Underwriter reviews within 24 hrs
- 2
We contact you with approval or questions
- 3
Merchant agreement sent for review
- 4
Account activated, start processing