High-risk credit card processing when mainstream providers say no
Banks, Stripe, Square, PayPal, and platforms like Shopify Payments often decline or shut down merchants in certain industries — cutting off your ability to take cards overnight. Centurion Payment Services specializes in placing these businesses with acquiring banks that knowingly underwrite high-risk verticals.
What makes a business high-risk?
Underwriters label a business high-risk when its model carries a higher likelihood of chargebacks, fraud, or regulatory exposure. Good, well-run companies land in this category every day simply because of their industry. Common triggers include:
- Higher statistical chargeback rates for the industry
- Card-not-present, subscription, or continuity billing
- Regulated or reputation-sensitive products
- Products commonly targeted by stolen-card fraud
- Long fulfillment windows or pre-sold services
- New business or limited processing history
High-risk industries we place
The Centurion advantage
Multi-bank placements
Direct relationships with several acquiring banks, so one decline isn't the end of the road.
Dedicated account manager
One person who knows your file, from application through underwriting and beyond.
Chargeback & fraud tools
Alerts, 3-D Secure, AVS/CVV and velocity rules to keep ratios under card-brand thresholds.
Online & in-person
Gateways for ecommerce plus POS terminals and virtual terminals for card-present sales.
Get a high-risk rate proposal
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Specialists in High-Risk Credit Card Processing. No obligation. Response within 1 hour.
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All merchant accounts are subject to underwriting review and approval.