20+ years in high-risk. Creative, multi-bank placements when others say no — and fast onboarding for low-risk deals.
Los Angeles is home to creator-economy platforms, entertainment brands, and wellness companies that routinely land in high-risk underwriting. Centurion Payment Services brings 20+ years of high-risk experience to ISOs and independent sales agents in Los Angeles, CA — we're the ace in your back pocket when your primary processor says no.
Apply to Centurion's ISO & agent program. We support ISOs, sub-ISOs, referral partners, and independent agents in Los Angeles, CA with a partner portal, digital merchant applications, and direct access to underwriting.
Yes. We regularly review adult & creator platforms, CBD, entertainment ticketing and other high-risk merchants through multi-bank placements. All accounts are subject to underwriting review and approval.
Send us the file. With more than 20 years in high-risk, we look at reserves, split-volume setups, descriptor strategy, and alternative acquirers to find a path — never a guarantee, but often a yes when others said no.
For qualified low-risk merchants, our digital application, e-signature, and automated underwriting deliver fast decisions — with a real merchant account, dedicated support, and a residual you own.
All merchant accounts are subject to underwriting review and approval.
Adult and creator platforms require age and identity verification, content moderation, and card-brand registration (Visa VIRP / Mastercard specialty merchant). We work with banks that accept the category and help agents prepare the compliance documentation upfront.
THCA, CBD and hemp merchants need an acquirer with a documented appetite for the vertical, current certificates of analysis, compliant labeling, and a clean website without medical claims. We help agents package COAs, product lists, and fulfillment details up front so underwriting can move without back-and-forth.
Events and ticketing carry future-delivery risk and cancellation exposure. Acquirers weigh event calendars, refund policies, and history; we structure reserves and funding schedules that keep these merchants operational.
Dating merchants combine subscription billing with elevated fraud and chargeback risk. Strong KYC, transparent auto-renewal disclosures, and fraud tooling are key — and we place these accounts with acquirers that support them long-term.
AI companion, content, and API platforms are a newer risk category. Underwriters want to understand content policies, usage-based billing, and fraud controls — we help agents explain the model clearly to get a fair review.
Nutraceutical files live and die on offer structure. Free-trial and negative-option models draw heavy scrutiny, so we look at billing descriptors, cancellation flows, refund policy, and chargeback history — and place straight-sale and continuity offers with banks that understand them.
Send us your Los Angeles merchant — new deal, a decline from another ISO, or a merchant being terminated. Include statements, processing history, and the website.
Our team reviews the file before it goes to a bank, flags gaps, and tells you what the acquirer will ask for — no surprises.
We match the merchant to the right acquirer, negotiating reserves, split volume, or multi-bank placement when needed.
Digital boarding, e-signature, and real-time status in the partner portal. Residuals are reported transparently every month.
| Centurion | Typical ISO | |
|---|---|---|
| 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 |
Bring us the deals that stall elsewhere: merchants on the MATCH/TMF list, new incorporations without processing history, businesses with chargeback ratios above 1%, merchants facing termination or held funds, and verticals your current processor won't board. Bring us your clean low-risk deals too — you'll get fast onboarding, competitive buy rates, and the same transparency on every account in your CA portfolio.
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.
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