Cannabis-adjacent, firearms, CBD, nutraceuticals, high-ticket subscription, ecom with elevated chargeback exposure, MLM, debt consolidation, adult, online gaming, travel — these are the verticals other ISOs walk away from. FinCo doesn't. We work with partners who underwrite them properly, at rates that reflect actual risk — not "high-risk tax."
"High-risk" is not a license to overcharge. We benchmark each placement against the actual underwriting reality of your business — chargeback ratio, refund rate, vertical norms — and place you at the rate that reflects your actual risk profile, not a marked-up "high-risk default."
Our high-risk partner network includes processors that have built underwriting + risk management around specific industries. Cannabis-adjacent has different partners than firearms; nutraceuticals different than online gaming. We route accordingly.
High-risk verticals live or die on chargeback ratio. We place you on processors with real chargeback-alert systems (Verifi, Ethoca), dispute-response playbooks, and the underwriting headroom to survive an occasional spike.
You're a FinCo merchant — same rewards program, same redemption options, same compounding economics. We don't carve out high-risk merchants from the benefits other merchants get.
We don't promise to board every high-risk business that asks. Federal-illegal verticals (plant-touching cannabis, certain firearms categories under state law, etc.) have real network-rule constraints, and we won't pretend otherwise. What we will do: tell you honestly which processors will underwrite your specific business model, at what rate, and on what terms — within 1–2 business days of you sharing the details.
No statement needed for an initial conversation — for high-risk placements, the underwriting conversation starts with what you do, your card mix, your chargeback history, and your projected volume. Upload a statement if you have one, or just book a call.