Your High Risk Processing Account is Approved! - Shift Processing

Have you Been Turned Down for Credit Card Processing because of being high risk?

We Have A 99% Approval Rating

High Risk processing with Shift

Choosing a high risk processor can make you feel like you’ve run the gauntlet. Learn how you can open a high risk merchant account with Shift Processing - it’s easy to begin the process. 

48 Hour Approval

Spend less time waiting and more time watching the money roll in. With Shift Processing, we know that time is money and we have the perfect high risk processing account for your business.

No Long Term Contracts

Don’t let one of the other guys lock you into a long term contract with an expensive exit clause. With Shift Processing, there are no long term contracts for any of our high risk processing accounts.

No Set Up Fees

Who in the world wants to pay to have their account set up? We certainly wouldn’t and we make sure that our high risk processing customers don’t have to either.

Lowest Swipe Fee

We have the lowest swipe fees in the high risk industry. Put us to the test and find out just how much money we can save your business.

Super Quick Set Up

Setup shouldn’t take forever, and with Shift Processing’s lightning quick setup process you won’t be left without the ability to accept payments once you’re approved.

We are proud to offer Zero Fee Processing

to High Risk Processing Merchants!


Greatly reduce what your business must pay to accept card payments.

high risk processing

High Risk Merchants

A high risk merchant account is usually best for businesses with high return, high turnover, or increased risk of fraud or chargeback. Many times businesses are considered high risk just because the nature of the business is considered high risk. The business may be completely legitimate, not have any chargeback issues or increased fraud but still be given a high risk processing status. Many businesses don’t even know they are considered high risk and may be quickly turned down by other processors. Here at Shift, we do what it takes so you can take payments as soon as possible. Below is a list of some of our high risk processing merchant businesses.

high risk merchant service

Bad Credit Merchant Account

Many merchants own businesses but learn that their personal credit has made it difficult to open up a merchant account. Here at Shift, we understand that life doesn’t always go as planned and we believe in giving second chances. We have many programs that allow us to approve high risk payment processing accounts regardless of personal or business credit history. If you want to grow your business by accepting credit cards but personal credit or business credit has been an issue, let Shift be your new processing partner. Don’t lose any more sales than you already have by not being able to accept credit cards. You don’t have to wonder how to get a merchant account with bad credit. We have the perfect high risk credit card processing account for your Business.

We Value High Risk Merchants

At Shift Processing, we pride ourselves on four core values when it comes to processing for our high risk merchant accounts: integrity, honesty, dedication and service. We believe that no matter the industry or situation, you have the right to accept credit cards as a form of payment just as you have the right to accept cash. Studies have shown that people will spend 12-18% more when they use a credit card, and as a business you want to be able to get your piece of that pie. With years of experience, Shift Processing will help you get your business back on track accepting credit cards with our high risk accounts.

  • Startups
  • Cigarette Sales
  • Online Gambling
  • Medical Devices
  • E-Commerce
  • CBD Products
  • CBD Ecommerce

A word about high risk merchant account instant approval 

We get so many questions regarding instant credit card processing approval. We get it, you want to be able to take credit card payments ASAP. When you want to open a high risk merchant account, it can be difficult to get a processor to work with you. And while instant credit card processing approval is definitely appealing, there are a couple things we want you to know.

First of all, there’s no such thing as an instant high risk merchant account. Traditional approval for high risk merchant accounts or a merchant account with bad credit can take at least 3-5 business days, but will usually take several weeks to get approval from underwriters.

So while we know you want approval right now, just know that processors claiming that you can open an instant high risk merchant account will often lock you into long term contracts loaded with lots of fine print and hefty fees. No thanks!

Since we serve lots of high risk merchants or people who need to open merchant accounts for bad credit, we know how to get results fast. Shift Processing can get approval for our high risk merchant accounts in as little as 48 - 72 hours. Trust us, that’s fast for a high risk credit card processor. And since we have a 99% approval rate, there’s a great chance we can work with you!