High-risk payments that stay live as you grow.
ChargeAct helps legitimate high risk merchants set up payments so reviews, policy shifts, and growth spikes do not turn into revenue emergencies.
Settlement health
All clear$1.284M
settled this month
0
held payouts
85k
transactions
2
placements
100%
operational
Industry Specialists
Built for hard-to-serve verticals
Fine-Tuned Acceptance
Per industry, not per template
Lower Effective Rates
Pricing built around your volume
Dedicated Account Manager
One person, picks up the phone
Talk with a payments specialist who understands firearms, CBD and hemp, wellness and nutraceuticals, ecommerce, and high risk merchant accounts.
The problem
Your real risk is a shutdown that blindsides you.
Most processors talk about getting you approved. Our merchants worry about different moments.
Frozen payouts right before payroll or inventory
A review that quietly cuts off your best channel
Being treated like a fraud risk because of a label
No backup plan if one provider changes its appetite
You should know how your payments will behave before the next review hits.
Review My Payment SetupProof
What staying live actually looks like.
Approval is the easy part. The number that matters is what your account does in the months after it.
Review My Payment Setup97%
of our applicants got approved
48h
median time to a decision
Multiple
backup placements per merchant
Who we are for
For real businesses in categories banks flag as risky.
If you run a serious operation in a labeled category, you know approval is the easy part. The real risk is what happens when volume jumps or rules change.
FFL & Firearms Ecommerce
Legitimate FFLs and firearms brands who need processing built to survive reviews, policy shifts, and payout holds.
ExploreEstablished CBD & Hemp Ecommerce
Scaling CBD and hemp ecommerce brands that want stable, multi‑rail payments instead of living in fear of the next crackdown.
ExploreRegulated Wellness & Nutraceutical Brands
Evidence‑driven wellness and nutraceutical merchants who need processors that underwrite the real business, not fly‑by‑night offers.
ExploreHigh‑Ticket & Subscription Ecommerce
High‑ticket, continuity, and fast‑scaling ecommerce operators who need payment continuity that can handle disputes, rebills, and rapid growth.
Explore
If you can prove you run a responsible business, that should matter more than your MCC code.
What ChargeAct does
We design your setup so it can handle stress.
Underwrite the real business
We look at licenses, history, disputes, and fulfillment, not just a category tag.
Make your risk visible
We map who underwrites, who processes, who can freeze funds, and how reserves work.
Plan for spikes and rule changes
We design placements and gateways that are built for growth and extra scrutiny.
Give you one accountable specialist
A named payments expert who knows your file and can reach decision makers.
How it works
From guessing to knowing how your payments will react.
Current setup review
We map your gateways, processors, acquirers, and terms and flag weak points.
Risk and architecture plan
We build a bank ready story about how you operate and design a stronger setup.
Parallel setup and migration
Where possible, we turn on new rails before you turn old ones off.
Ongoing monitoring and advice
Your specialist stays involved and helps you plan before big moves.
Where we focus
Built for the merchants that need it most.
We focus where one-size-fits-all processors fall short. Pick the lane that fits your business and see how we build for it.
Industries others turn away.
Complex chargeback profiles and regulated verticals. We underwrite where the mainstream processors won't, and we design the payment flow around your risk profile.
Explore- Regulated verticals
- Chargeback defense
- Custom underwriting
- Backup placement
Pricing structures
Payment processing structures for your business.
Set up your processing on a structure that makes sense for how you actually sell. Your specialist will walk you through which one fits, and you can change it later.
Fully transparent
Interchange Plus Pricing
Interchange is passed through at cost with a fixed markup on top, itemized separately on every statement. You always know what each transaction costs, and as your volume grows the savings come back to you.
Review My Payment Setup- Cost passed through
- Fixed markup
- Itemized statement
Solutions
Every acceptance mode, tuned to your business.
Whether your customers pay in person, on the phone, in-app, or via recurring billing - we configure the stack to your flow, not the other way around.
Phone orders priced as a first-class flow.
Keyed-in transactions aren't an afterthought here. We tune card-not-present authorization and chargeback defense for higher tickets and recurring callers.
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Hardware tuned to how you run the counter.
Card-present rates, integrated POS, faster batch closes, and lower downgrade exposure - configured before it ships, not after your first statement.
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Industries
Industries we work with
Click through to a vertical to see how we tune the payment stack for it.
Integrations
Works with the tools you already use.
Your cart, your books, your terminal. We connect to the platforms already running the business so switching processors doesn't mean rebuilding checkout.
View all integrationsSecurity & support
Fraud and rates, both handled.
Fraud monitoring tools when your risk profile calls for them, and rate structures reviewed as your volume changes.
Advanced tools to detect and prevent fraudulent transactions before they impact your business.
Competitive interchange rates tailored to your industry and processing volume.
Specialized processing for industries that traditional banks turn away.
FAQ
Quick answers to questions you may have.
Can't find what you're looking for? Reach out to us and we'll have an answer for you.
Retail shops, SaaS platforms, MOTO and Virtual Terminal businesses, and the harder-to-place industries mainstream processors turn away. We tune the acceptance flow to your business model, not a default template.
Do not wait for a freeze to find the weak spot.
A short review can show you who holds your risk, where you are exposed, and what options you have before the next review or policy shift.
Questions? Call us at (888) 329-5717 or email [email protected]