Payment processing built for high-risk businesses
E-commerce, dropshipping, SaaS, coaching, course sellers, and supplements. Get a merchant account that won't freeze your funds or drop you overnight. Fast approvals. Competitive rates. Real chargeback protection.
Integrates with the platforms you already use
Built for the verticals others reject
Traditional processors label these industries "high-risk" and shut them down. We built Swipe Stone Payments specifically to keep them running.
E-Commerce
Online retail & DTC brands
Accept cards, digital wallets, and BNPL on your storefront. Multi-currency, fraud screening, and recurring billing built in.
- Shopify & WooCommerce ready
- Multi-currency checkout
- Fraud prevention suite
Dropshipping
High-volume, fast fulfillment
We understand dropshipping cash flow. Get rolling reserves that make sense and volume scaling that grows with your store.
- Flexible reserve structures
- High-ticket friendly
- Volume scaling support
SaaS
Recurring revenue & subscriptions
Dunning management, proration, and smart retries. Reduce involuntary churn and keep MRR flowing month after month.
- Subscription billing engine
- Automated dunning
- Usage-based billing
Coaching
High-ticket programs & services
Payment plans, installments, and high-ticket processing. We support coaches, consultants, and service-based businesses.
- Installment plans
- High-ticket limits
- Client payment portals
Course Sellers
Digital products & memberships
Sell courses, memberships, and digital downloads. Instant access automation and secure delivery on every transaction.
- Kajabi & Teachable ready
- Instant access delivery
- Membership billing
Supplements
Nutraceuticals & wellness
The supplement industry is our specialty. Navigating FDA compliance, auto-ship models, and high chargeback thresholds.
- Auto-ship & continuity
- Chargeback defense
- Compliance guidance
Everything you need to get paid
A full-stack payment platform engineered for high-risk merchants. Not just a gateway — a partner that keeps you processing.
Chargeback Protection
Automated chargeback alerts, evidence generation, and dispute response tools. We fight chargebacks for you and win up to 78% of cases.
All Major Payment Methods
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay, and BNPL options like Affirm and Klarna. One integration, every method.
Global Processing
Accept payments in 150+ countries and 135+ currencies. Local acquiring in the US, EU, UK, Canada, and Australia with dynamic currency conversion.
Real-Time Analytics
Track volume, authorization rates, chargeback ratios, and settlement timing from a single dashboard. Export to QuickBooks or your data warehouse.
Smart Retry & Dunning
AI-powered retry logic recovers failed transactions. Reduce involuntary churn by up to 35% with intelligent payment scheduling.
Bank-Grade Security
PCI DSS Level 1 certified, tokenized vaulting, 3D Secure 2.0, and end-to-end encryption. Your data and your customers are protected.
Fast Integrations
REST API, hosted checkout, drop-in components, and native plugins for Shopify, WooCommerce, ClickFunnels, and more. Go live in hours, not weeks.
Dedicated Account Manager
Every merchant gets a named account manager who knows your business. No call centers, no ticket queues. Direct phone and email access.
From application to first payment in days
No 6-week underwriting cycles. No cryptic rejections. A clear, fast path to accepting payments.
Submit your application
Fill out a 5-minute online application with your business details, processing history, and industry vertical. No paperwork, no faxing.
Underwriting & approval
Our high-risk underwriting team reviews your application. Approval typically takes 48–72 hours when all documents are provided. Incomplete submissions take longer. We match you with the right acquiring bank for your vertical.
Integrate & launch
Connect your storefront or platform with our plugins or API. Test in sandbox, then flip the switch to live. Go live the same day you are approved.
Scale with confidence
Your dedicated account manager monitors your account, helps optimize approval rates, and scales your processing limits as you grow.
Merchants who stopped getting dropped
Over 12,000 high-risk businesses process with Swipe Stone Payments. Here is what a few of them have to say.
"We were dropped by two processors in six months for being "high-risk." Swipe Stone Payments not only approved us in 3 days, but our chargeback ratio dropped 40% with their defense tools. We have not looked back."
"Processing $400K/month in dropshipping volume and nobody would touch us. Swipe Stone Payments understood the model, gave us a fair reserve structure, and scaled with us. Game changer."
"My coaching program does $30K launches. Other processors capped me at $5K per transaction. Swipe Stone Payments approved high-ticket processing on day one. My conversion rate doubled."
"We sell online courses to 40 countries. Multi-currency checkout, automatic tax handling, and the dunning system recovered $28K in failed payments last quarter alone."
"SaaS billing is complex — proration, upgrades, downgrades, usage tiers. Swipe Stone Payments handles all of it. Our involuntary churn dropped from 4.2% to 1.1% in two months."
"Our DTC e-commerce brand was stuck on a processor with 6% chargeback fees. Swipe Stone Payments cut that to 1.5% and their fraud screening stopped the synthetic ID attacks. Revenue is up 22%."
Stop getting dropped. Start getting paid.
Join 12,000+ high-risk merchants who process with confidence. Apply in 5 minutes. Approved in 48–72 hours with complete documents.
Questions, answered
Everything you need to know about high-risk payment processing with Swipe Stone Payments.
High-risk classification depends on your industry, chargeback history, average transaction size, and business model. Common high-risk verticals include e-commerce, dropshipping, SaaS, coaching, digital courses, supplements, CBD, and subscription businesses. Traditional processors often reject or drop these merchants due to elevated chargeback ratios or regulatory concerns.
Approval typically takes 48–72 hours when all required documents are provided upfront. Incomplete submissions take longer — we cannot begin underwriting until we have everything. Complex cases involving high monthly volume or regulated industries may take 3–5 business days. A dedicated underwriter keeps you updated throughout the process and will reach out immediately if anything is missing.
You must have a registered LLC (or equivalent US business entity) and a US-based signer who is an owner or authorized representative. We also require a business bank account, processing statements (if you have prior processing history), a valid website or storefront, and government-issued ID for the signer. Additional documents may be requested depending on your industry and volume.
Rates and fees depend on the business and the client. Every account is evaluated individually based on industry, processing volume, risk profile, and other factors. Apply and our team will provide a custom quote tailored to your specific situation.
Some high-risk verticals require a rolling reserve (typically 5–10% held for 90–180 days) as a condition set by our acquiring bank partners. We work to minimize reserve requirements and negotiate the best terms for your specific business model and processing history.
We proactively monitor chargeback ratios and alert you before they reach critical thresholds. Our chargeback defense tools include automated evidence generation, dispute response templates, and fraud screening to prevent disputes before they happen. We help you stay below card network limits (typically 1% of transactions or 1.8% of dollar volume).
Yes. We make switching seamless — we handle the application, integration, and migration. You can run your current processor in parallel during the transition to avoid any downtime. Most merchants are fully switched within 3–5 days of approval.
We offer native plugins for Shopify, WooCommerce, ClickFunnels, Kajabi, Teachable, SamCart, and BigCommerce. We also provide a REST API, hosted checkout pages, and drop-in components for custom integrations. Most merchants go live within hours of approval.
Yes. We support merchants in 150+ countries and accept payments in 135+ currencies. We have local acquiring relationships in the US, EU, UK, Canada, and Australia. International merchants should contact us to confirm availability in their specific region.
Apply for your merchant account
Takes 5 minutes. No application fee. No commitment. Approval in 48–72 hours when all documents are provided.