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High-Risk Processing

Not all businesses are created equal, especially when it comes to banks. It’s important to work with a merchant services company that understands your business type. We have aligned ourselves with banks that are comfortable with hard to place merchants - meaning its easier for your business to be approved. Tired of getting rejected because of your business type? That stops here. 

You need payment processing that's fast, affordable, and that won't shut you down at the first instance of a chargeback. Our high-risk processing services include chargeback dispute resolution, an online payment gateway, ACH processing, merchant cash advance, and MOTO processing options.  We offer custom pricing plans that depend on each business’s type and processing history. 


We understand that credit card processing is vital to your business, especially if you are an online business. Even if you've been turned down before, apply today and give CHoice Pay Now the opportunity to partner with you. 



98% approval rate

Competitive rates

Low and new credit accepted

Approval within 48 hours

No application fee

No setup fee

And many others...

High-risk Industries:

  • E-Commerce

  • Hemp

  • Nutraceuticals

  • Adult Entertainment

  • Multi-Level Marketing

  • Event Ticket Brokers

  • Cigarettes, e-cigarettes, or vape shops

  • International Merchant Processing

  • Telemarketing

  • Online Gaming

  • Collection Agencies

  • Fantasy Sports

  • Travel

  • Real Estate

  • Pawn Shops

  • Fraud Prevention and Identity verifitcation

  • Coupons or rewards-points programs

  • Credit protection, counseling, or debt repair services

  • Discount health or medical care programs

  • Debt consolidation services

  • Currency Conversion and Hedging

Most industries approved

Chargeback mitigation



Our partner banks support the most comprehensive list of payment methods and currencies available throughout the world. From incorporation help to currency conversion, we can get your international merchant account approved and processing in weeks, not months.

Visa and MasterCard aren't nearly as ubiquitous in the global marketplace as they are in the U.S. Offer your customers more options with local direct debit and bank transfers in addition to Switch/Solo, Giropay and Maestro.

Offering local credit and debit options increases your reach to millions of consumers who will otherwise have to shop elsewhere


Card fraud costs the consumer in excess of $10 billion every year. Our fraud detection services maximize safe transactions while minimizing clients' exposure to fraud. We offer professional expertise and customized technology to eliminate fraud, increase the number of transactions safely accepted, and reduce your internal costs.

Card-not-present (CNP) transactions via mail order, telephone order or on-line present greater fraud risks, as e-commerce retailers are having difficulty in checking cardholder legitimacy.

Our partners incorporate all industry-led authentication measures for improved online security.


In the modern business world, increased competition often saturates markets, causing sales plateaus for even the most aggressive of companies. Fortunately, by providing local currencies and payment methods you can expand your range by servicing customers all over the world.

1. The information provides a rate feed via XML web services from the server which is used by the merchant to convert prices into the customer's currency.

2. International payments enable the customer to use their domestic payment method to purchase the product.

3. Transactional enables the customer to purchase the product at the quoted price in their own currency and enables the merchant to be paid in a different currency with lower transaction costs than for domestic transactions.

Ready to learn more? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.

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