Apply for a Merchant Account
Complete the form below. Most applications approved within 24-48 hours.
Business Information
PCI-DSS Level 1
Compliant
256-Bit SSL
Encryption
Global Processing
180+ Countries
99.9% Uptime
Guaranteed
Our underwriting team has 15+ years of expertise in high-risk payment processing across 30+ industries.
Approval is not guaranteed. Rates vary by risk profile. Your information is encrypted and secure.
People Also Ask About High-Risk Merchant Accounts
How quickly can I get approved for a merchant account?
GetPayment approves most qualified applications within 24-48 hours. Unlike traditional banks that take weeks, our streamlined process and direct bank relationships enable rapid approval. Source: GetPayment application data (2025–2026)
What industries does GetPayment accept?
We specialize in industries traditional processors reject: CBD, crypto, forex, gaming, adult, nutraceuticals, telecom, and 25+ others. See our industry solutions for details.
Do I need to provide 3 years of financial history?
No. We work with startups and newer businesses. Typical requirement: 3 months of processing statements or bank history, plus business registration and ID. Some industries require additional docs.
Will I be rejected for high chargebacks?
No. GetPayment specializes in merchants with 1-3%+ chargeback ratios. We have dedicated chargeback management programs and tools. Ratio above 3%? Let's chat. Source: GetPayment active merchant portfolio
How to Apply for a High-Risk Merchant Account
Applying for a high-risk merchant account online is simple and takes just minutes. Unlike traditional processors that require weeks of paperwork, GetPayment's streamlined application processes your information the same day. You'll need basic business details, processing volume estimates, and supporting documents like business registration and bank statements.
Once submitted, our underwriting team reviews your application, matches you with the best-fit acquiring bank from our network, and provides a custom rate quote—usually within 24 hours. No application fees, no surprises, no pressure. Check out our pricing guide to understand rate factors, or browse industry-specific solutions for your business type.
What Happens After You Apply
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Same-day underwriting review
Your application is reviewed by our expert team and matched to the right bank partner.
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Custom rate quote within 24 hours
You receive a transparent interchange-plus quote tailored to your industry and volume. See our pricing model for details.
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Fast account activation
Sign agreements and go live within 48 hours of approval. Most merchants start processing same day. Need help migrating? See our migration process.
Common Questions About the Application Process
Is there a merchant account application fee?
No. GetPayment charges zero application fees and zero setup costs. You only pay processing fees once you're live.
How long does high-risk merchant account approval take?
Most merchants are approved within 24-48 hours. High-volume and lower-risk merchants often see same-day approval.
What documents do I need for my merchant account application?
Typically: business registration, 3 months of bank statements, government ID, business website, and voided check. Additional docs may be requested for specific industries.
Can I get approved for a merchant account with high chargebacks?
Yes. GetPayment specializes in merchants with elevated chargeback ratios, even above 3%. We'll discuss your history and set up mitigation strategies. Learn more about our chargeback protection.