A high-risk merchant is typically a business that operates in an industry deemed to have a greater likelihood of chargebacks, fraud, or regulatory scrutiny. These businesses often require a high-risk merchant account to facilitate payment processing. Common examples of high-risk industries include adult entertainment, online gambling, and travel services. To accommodate these businesses, specialized high-risk merchant account providers offer tailored payment solutions that include a payment gateway and a reliable payment processor.
NOWPayments is the best high-risk payment processor on our list, offering a combination of cryptocurrency acceptance and robust risk controls that cater specifically to high-risk businesses in 2025. With low risk from crypto payments, quick transactions, and easy setup options, NOWPayments helps businesses enjoy clear pricing and a user-friendly API. Additionally, its global coverage, AML/KYC compliance, and customizable payout schedules make it an ideal choice for businesses classified as high risk, especially those operating in multiple countries. For businesses seeking the best high-risk merchant account, NOWPayments provides a reliable, secure, and scalable solution for credit card processing and international payment needs, making it the optimal solution for forward-thinking businesses in high-risk industries.
When seeking the best high-risk merchant account, it’s essential to find a merchant service provider that understands the unique challenges of high-risk businesses. A high-risk payment gateway offers secure credit card payment processing while keeping account fees manageable. Moreover, the payment processor may offer various payment methods to enhance customer experience. For those who need a high-risk merchant account, investigating options from high-risk payment processors and comparing services is crucial to finding the right fit for their high-risk transactions.
Here is a list of the top 5 high-risk payment processors in 2025:
- Nowpayments
- PaymentCloud
- Durango Merchant Services
- SMB Global
- Soar Payments
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
In selecting the best payment gateways for businesses in the high-risk merchant niche, we focused on providing an unbiased comparison based on the most critical features for this unique market. Our evaluation centered on how each solution addresses the complexities of security, cost management, and transaction efficiency, all key to ensuring smooth and profitable operations for high-risk businesses.
Here are the key criteria we considered:
- Custodial & Non-Custodial Model: Non-custodial models give businesses more control over their funds, minimizing third-party risks, while custodial models may offer additional features but introduce potential security vulnerabilities.
- Transaction Fees: Transparent and competitive fee structures are essential for high-risk businesses to manage costs effectively and avoid hidden charges that could eat into their profits.
- Transaction Speed: Fast transaction processing and quick access to funds are critical for maintaining liquidity and ensuring smooth operations, especially in high-risk industries with fluctuating cash flow.
| Payment Gateway | Custodial vs Non‑Custodial | Transaction Fees | Transaction Speed (Settlement & Payout) |
|---|---|---|---|
| NOWPayments | Both Custodial & Non‑Custodial | 0.5%–1% crypto processing/auto‑conversion fees | 1–4 days typical for settlement, with instant crypto confirmation |
| PaymentCloud | Custodial (merchant account held by processor) | 3.49%–3.95% + ~$0.25/tx average high‑risk card fees | 1–3 days typical for card settlement (depends on bank/processor) |
| Durango Merchant Services | Custodial (merchant account tied to provider) | ~2.5%–5.5% + $0.20–$0.50 typical personalized pricing | 1–4 days common high‑risk provider clearing times (varies by underwriting) |
| SMB Global | Custodial (bank/processor held) | Custom pricing (varies by risk profile, often competitive) | 1–3 days typical (card/ACH settlements depend on banking partners) |
| Soar Payments | Custodial (merchant account through ISO) | Industry‑Minimum Pricing (competitive but variable) | 1–3 days standard merchant processing settlement |
NOWPayments
NOWPayments is the best crypto payment gateway that allows businesses to accept digital currencies securely and with low fees. It supports over 350 cryptocurrencies, providing merchants the flexibility to accept a wide range of digital assets. NOWPayments is a preferred choice for businesses in high-risk industries due to its focus on security, transparency, and seamless integration with existing systems. The platform is user-friendly and offers a variety of tools to ensure smooth payment processing and customer experience.
Custodial & Non-Custodial mode. NOWPayments offers both custodial and non-custodial options, giving businesses the flexibility to choose the model that best suits their needs. For businesses that prefer more control over their funds, the non-custodial option ensures that they retain ownership of the cryptocurrency at all times, minimizing third-party risks. Alternatively, the custodial model provides added security for merchants by holding funds within the payment processor’s platform before they are transferred to the business’s bank account. Both options ensure that businesses can tailor their payment solution to meet their specific security and control preferences.
- Funds Model: Custodial & Non-Custodial
- Fraud Protection: Advanced fraud detection and chargeback mitigation tools
Transaction Fees. NOWPayments offers competitive transaction fees, typically ranging from 0.5% to 1% for crypto payments. There are no setup fees, monthly fees, or hidden charges, making it a cost-effective solution for businesses. The platform also provides low conversion fees when converting crypto to fiat, ensuring businesses can efficiently manage their earnings. NOWPayments’ transparent fee structure makes it easy for merchants to understand their costs, helping them avoid unexpected expenses.
| Fee Type | Amount |
|---|---|
| Transaction Fee | 0.5%–1% |
| Monthly Fee | ❌ |
| Setup Fee | ❌ |
Transaction Speed. NOWPayments ensures fast processing times for crypto payments, with instant transaction confirmations on the blockchain. However, fiat conversions typically take between 1 to 4 business days, depending on the specific payment method and region. The speed of settlements and payouts can also vary based on the chosen custodial or non-custodial option, but the platform strives to offer quick access to funds. NOWPayments’ efficiency in handling payments ensures businesses can maintain cash flow without unnecessary delays.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 1–4 days |
| Instant Payout | ❌ |
PaymentCloud
PaymentCloud is a leading payment gateway specializing in high-risk merchant accounts. It offers a suite of tools designed to help businesses accept payments securely and reliably, even in industries with a higher risk of chargebacks and fraud. PaymentCloud stands out for its customizable solutions, allowing businesses to tailor the platform to meet their specific needs. It provides excellent customer support and strives to create flexible payment solutions that meet the evolving needs of high-risk businesses.
Custodial & Non-Custodial Mode. PaymentCloud operates on a custodial model, meaning that merchant funds are held by the payment processor until they are transferred to the business’s designated bank account. This setup can provide additional security for businesses, especially in high-risk sectors, as the processor can help manage chargebacks and fraud. While this model offers convenience, it also means that merchants have to rely on the processor to manage their funds. This can be ideal for businesses seeking added protection but may limit control over funds compared to non-custodial solutions.
- Funds Model: Custodial
- Funds Hold Period: 1–3 business days (settlements)
- Fraud Protection: Chargeback management and fraud mitigation tools
Transaction Fees. PaymentCloud offers competitive transaction fees for high-risk merchants, typically between 3.49% and 3.95% for card processing. There may also be a small additional fee per transaction, depending on the business’s risk profile. PaymentCloud’s transparent fee structure ensures that merchants can easily understand the costs associated with using the platform. This fee range is relatively standard for high-risk businesses, though pricing can vary depending on the volume and type of business.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 3.49%–3.95% | For card payments |
| Monthly Fee | ❌ | None |
| Setup Fee | ❌ | None |
Transaction Speed. PaymentCloud ensures that transactions are processed quickly, with settlement times typically ranging from 1 to 3 business days. However, the actual settlement speed may depend on the merchant’s bank and processor relationship. PaymentCloud focuses on providing a streamlined payment experience for businesses, with quick processing times for both card and ACH payments. This makes it a solid choice for high-risk merchants needing fast access to their funds.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | 1–2 minutes |
| Settlement to Account | 1–3 days |
| Instant Payout | ❌ |
Durango Merchant Services
Durango Merchant Services is a well-established payment processor specializing in high-risk merchant accounts. It offers a range of tailored payment solutions to accommodate the unique needs of businesses in high-risk sectors. Durango’s customer service and support are often highlighted as key strengths, helping businesses navigate complex payment issues with ease. It’s particularly suited for industries such as CBD, adult entertainment, and online gaming.
Custodial & Non-Custodial mode. Durango Merchant Services provides a custodial model, where the processor holds the funds in an account until they are transferred to the merchant. This is beneficial for high-risk industries, as it provides an added layer of security in case of chargebacks or fraud. While this setup means merchants have less direct control over their funds, it offers a safeguard against financial risks. The custodial approach is also beneficial for managing settlements and avoiding unnecessary delays.
- Funds Model: Custodial
- Funds Hold Period: 1–3 business days (settlements)
- Fraud Protection: Fraud detection and chargeback management tools
Transaction fees. Durango Merchant Services offers customized pricing based on the specific needs and risk profiles of each business. Fees typically range from2.5% to 5.5% per transaction, with additional costs for higher-risk transactions. The transparent fee structure ensures that businesses can budget for payment processing without unexpected charges. Custom pricing allows for flexibility, especially for businesses with unique needs or high transaction volumes.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.5%–5.5% | For high-risk merchants |
| Monthly Fee | ❌ | None |
| Setup Fee | ❌ | None |
Transaction speed. Durango’s processing speed is typically between1 to 4 business days for settlement, depending on the type of transaction and the merchant’s risk profile. While the waiting period is slightly longer than some other providers, the extra time ensures proper risk mitigation for high-risk businesses. Durango prioritizes security and compliance, which may contribute to slightly longer processing times. Overall, businesses can expect timely settlement and access to funds.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | 1–2 minutes |
| Settlement to Account | 1–4 days |
| Instant Payout | ❌ |
SMB Global
SMB Global is a payment processor known for its flexibility and commitment to supporting high-risk merchants. It offers comprehensive payment solutions for businesses that face difficulties with traditional banking and payment processors. SMB Global’s tailored approach helps businesses access reliable payment processing solutions, even in highly regulated industries. The company is highly focused on providing transparency and customized pricing to fit the specific needs of each business.
Custodial & Non-Custodial Mode. SMB Global operates on acustodial model, where payments are processed through the company’s bank accounts, giving the processor control over the funds until they are transferred to the merchant. This approach is designed to help manage the risks associated with high-risk industries, ensuring that the processor can manage chargebacks and fraudulent activity. While custodial systems reduce the merchant’s control over funds, they provide added protection for both the business and the processor. The custodial model is ideal for businesses looking for a safer, more controlled payment environment.
- Funds Model: Custodial
- Funds Hold Period: 1–2 business days (settlements)
- Fraud Protection: Chargeback management tools and fraud detection
Transaction Fees. SMB Global’s fees are customized based on the risk profile and specific needs of each business, with competitive pricing aimed at high-risk sectors. The fees generally range from 2.9% to 5% per transaction, with additional costs depending on the type of transaction. SMB Global works closely with clients to offer the most affordable pricing structure possible. The company prides itself on transparency, ensuring that all costs are disclosed upfront.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.9%–5% | For high-risk businesses |
| Monthly Fee | ❌ | None |
| Setup Fee | ❌ | None |
Transaction Speed. SMB Global provides fast processing with settlement times typically ranging from1 to 3 business days. This ensures that businesses have timely access to funds, reducing potential cash flow issues. However, depending on the type of business and the volume of transactions, settlement times may vary slightly. Overall, SMB Global provides a reliable and efficient payment processing solution.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | 1–2 minutes |
| Settlement to Account | 1–3 days |
| Instant Payout | ❌ |
Soar Payments
Soar Payments is a highly regarded payment processor specializing in high-risk merchant accounts. It is known for offering customized payment solutions that cater to a wide variety of industries, including CBD, adult, and tech startups. Soar Payments stands out due to its focus on providing a transparent pricing structure and the ability to handle complex payment needs. The company is committed to offering reliable and secure payment processing services to help high-risk businesses succeed.
Custodial & Non-Custodial Mode. Soar Payments operates on a custodial basis, where the payment processor holds the funds in a secured account before transferring them to the merchant’s bank. This system offers enhanced security for high-risk businesses by reducing exposure to fraud and chargebacks. While merchants do not have immediate access to their funds, the custodial model provides peace of mind by ensuring that payments are processed safely and securely. This is especially beneficial for businesses in industries that deal with frequent chargebacks.
- Funds Model: Custodial
- Funds Hold Period: 1–2 business days (settlements)
- Fraud Protection: Chargeback management and fraud prevention tools
Transaction Fees. Soar Payments offers competitive pricing, with fees ranging from 2.9% to 4.5% for high-risk transactions. The company prides itself on providing transparent, no-hidden-fee pricing structures that cater to the unique needs of each business. While rates vary depending on factors like risk profile and volume, Soar Payments ensures that businesses can expect fair and predictable pricing. The customizable nature of the fees allows merchants to negotiate the best rates possible.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 2.9%–4.5% | For high-risk businesses |
| Monthly Fee | ❌ | None |
| Setup Fee | ❌ | None |
Transaction Speed. Soar Payments offers fast transaction processing, with settlement times typically between1 to 3 business days. This ensures that businesses receive funds quickly, helping to avoid cash flow disruptions. However, as with all high-risk merchants, settlement speed can vary depending on the type of business and transaction volume. Soar Payments focuses on providing reliable service and ensuring that businesses have timely access to their earnings.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | 1–2 minutes |
| Settlement to Account | 1–3 days |
| Instant Payout | ❌ |
Final thoughts
In this analysis, we have reviewed some of the top high-risk payment processors in 2025, including NOWPayments, PaymentCloud, Durango Merchant Services, SMB Global, and Soar Payments. Businesses operating in high-risk industries, such as tech, e-commerce, and high-chargeback verticals, require specialized payment processing services that cater to their unique needs. NOWPayments stands out as the best high-risk payment processor, offering cryptocurrency payment processing with both custodial and non-custodial options. This flexibility makes it an excellent choice for businesses in high-risk verticals that need secure, scalable solutions to handle credit card transactions and global payments.
With its ability to process over 350 cryptocurrencies, competitive fees, and fast transaction processing with settlements typically within 1 to 4 business days, NOWPayments is the best high-risk payment processor for businesses looking to accept payments in both crypto and traditional payment forms. The platform’s dedicated account support, transparent pricing, and robust fraud protection ensure businesses operating in high-risk industries can thrive. For forward-thinking companies in this niche, NOWPayments provides the ideal solution, i.e., secure, scalable, and future-proof, positioning it as the optimal choice for businesses seeking to stay ahead in the rapidly evolving world of digital payments.