A high-risk payment processing partner for ISOs, sub-ISOs, and independent sales agents. Submit deals through our portal directly to our underwriting team, follow merchant onboarding and status updates, and access portfolio, processing activity, residual reporting, and support tools available with your partner setup. Have a declined or hard-to-place merchant? Let’s review the options. Every placement is subject to provider requirements and underwriting approval.
From your first submission to ongoing merchant support, stay connected with our underwriting team and keep your book of business organized. View portfolio performance and processing activity, monitor merchant accounts and onboarding status, access reporting tools, manage support tickets, and much more. Available reporting and support tools depend on your processor and partner setup.
Submit high-risk merchant opportunities and supporting documents through our agent portal for pre-vetting and underwriting review. Keep your deal submissions in one place.
Bring your deals directly to our underwriting team. Discuss the business model, documentation requirements, and potential placement options, with final decisions subject to provider underwriting approval.
A decline from one provider doesn’t tell the whole story. We assess your file against different bank and processor appetites to look for a suitable fit, subject to underwriting.
Monitor merchant accounts and onboarding status as files move from submission through review and, if approved, activation. Stay informed about outstanding requirements and next steps.
View portfolio performance and processing activity with the reporting tools available for your accounts. Keep visibility into your merchant book as it grows.
Review posted residual reports, commission amounts, and payment status. Keep track of your earnings with visibility into the reporting periods and payout details available for your accounts.
Manage support tickets through the support tools available with your partner setup. Follow open issues and status updates, and coordinate with our team on merchant questions and account needs.
We work through pricing, reserves, processing requirements, and documentation with the relevant provider. The structure follows the merchant’s risk profile, not a one-size-fits-all promise.
Keep a difficult merchant conversation moving. Bring us the deals outside your current placement options for hands-on review and direct underwriting access.
Offices with multiple reps. Hierarchy-level reporting, override splits, and your own agent codes under one roof.
Established shops, software platforms, and consultants looking for a high-risk home for merchants others decline.
We learn your book, your verticals, and how you sell — then map a partner structure that fits.
Sign your partner agreement, get your agent codes, dashboard login, and pricing schedule.
Send merchant deals and documents through our portal directly to our underwriting team for pre-vetting and placement review. Approval is subject to underwriting.
Follow onboarding status updates, review available processing activity and residual reports, and manage merchant support through the tools included in your partner setup.
Bring us your declined files, complex business models, and merchants outside your current providers’ appetite. The industries below come from our processor and acquirer matrices, including categories eligible for restricted or case-by-case review. We assess the specific business against the right provider’s requirements.
A listed category is not a guarantee of acceptance or support by every provider. Availability depends on the business model, products, location, sales channel, licensing, processing history, and provider restrictions. Restricted categories may require additional documents or prior bank approval. All placements are subject to underwriting and approval.
Centurion Payment Services partners with ISOs, sub-ISOs, and independent sales agents who need a reliable home for high-risk and hard-to-place merchant accounts.
Start with the decline reason, not another generic application. A provider’s industry restriction is different from unresolved fraud, missing licensing, or excessive disputes. Share the provider’s explanation and what has changed. Centurion reviews the actual business against available processor requirements; a second review does not guarantee acceptance or remove a MATCH listing.
Begin with the merchant’s website, legal entity and country, owner locations, products, customer markets, monthly volume, average and maximum ticket, and billing model. Identify prior declines, terminations, reserves, and any known MATCH listing. Prepare recent processing statements and refund/dispute figures if available. Send identity and bank documents only through the requested secure application process, not the public inquiry form.
Peptides sold strictly for research, adult membership platforms, AI services, and supplement brands have different requirements. Research-only peptide review focuses on catalog and intended use; adult and AI-content files require content and age controls; supplement files require ingredient, claims, and billing review. A listed industry is a review category, not blanket approval by every provider.
A startup can request review without inventing processing history. Provide a working website or product demonstration, ownership and banking information, supplier or fulfillment details, and realistic volume projections. Tell us which figures are forecasts. Provider-specific startup restrictions, volume caps, reserves, or additional financial documentation may apply.
ISOs, independent agents, and referral partners should agree on compensation and responsibilities in writing before submitting business. Confirm the split, deductions, payment schedule, reporting, merchant relationship terms, and termination provisions in the applicable agreement. Residual income depends on actual processing and contract terms; no earnings are guaranteed.
Provide the termination notice, recent statements, open disputes, outstanding refunds, and the steps taken to resolve the underlying issue. Do not conceal the business model, change descriptors to disguise sales, or submit misleading ownership information. A replacement merchant account cannot release funds held by the previous provider or erase existing obligations.
| Review area | What to prepare | What needs confirmation |
|---|---|---|
| Previous decline | Provider notice and current business details | Industry restriction, missing information, or unresolved risk |
| Business model | Website, catalog, billing flow, customer markets | Whether a provider supports the specific products and sales practices |
| Processing history | Statements, refunds, disputes, and remediation | Volume, ticket limits, reserve requirements, and risk controls |
| New business | Launch readiness, funding, and realistic forecasts | Startup eligibility and any initial processing conditions |
| Partner relationship | Written compensation and responsibility terms | Split, deductions, reporting, and payment provisions |
All merchant accounts are subject to underwriting review and approval.
For agents, ISOs & agent groups. Tell us what you’re trying to place and where you’ve hit a roadblock. No obligation; approval is subject to underwriting.
🔒 Your information is secure. No spam, ever.