Credit card processing for high-risk websites

Tower Payments provides reasonably priced, stable credit card processing for website owners that have either been declined by other solutions like Stripe and PayPal or were shut down because of the products and services they offer.

We will give you all of the rates and terms upfront and help you integrate a new payment gateway and merchant account into any major shopping cart or site builder at no additional cost.

Whether you’re a well-established headshop website using WooCommerce, starting a new adult toy site on Shopify, opening an online cannabis seed website using BigCommerce, or coding a new high-risk site yourself, you need a merchant account and payment gateway that works for you and with your software.

We’re here for you every step of the way. Contact us today to learn more about our affordable high-risk credit card processing services.

Choosing the right high-risk credit card processor 

It isn’t uncommon for new clients to be surprised that we actually listen to them and that we are incredibly responsive. Since this is often not the experience they had with their previous processor, our customers appreciate our level of customer service and flexibility.

Often, because site owners are new to their high-risk industry or to selling online, payment problems arise from choosing the wrong high-risk processor. For example, you may have chosen a high-risk merchant account, a payment gateway, or a combination of both that didn’t allow your products. If so, you likely have experienced a shutdown account because of this.

Mistakes are easy to make, especially if you are a new high-risk site owner. After all, there’s so much research that goes into finding a suitable payment processing solution. Unfortunately, these mistakes can be costly, as the stories site owners tell us often demonstrate.

If your high-risk account is set up incorrectly, you risk:

Delays at launch

Countless business owners have called us because they’ve had to delay their site launch due to underwriting issues with other providers. Sometimes, by the time they find us, they’ve wasted advertising dollars because they can’t accept credit cards when their ads dropped. We prioritize situations like this and work hard to fix others’ mistakes.

It is so much easier for site owners when we’re able to help them get set up correctly from day one. “Doing it right the first time” means there is no need for additional costs in re-launching, and we can make sure business owners like you don’t miss out on revenue due to completely unnecessary delays.

Click Start at the bottom of this page, and we will get to work for you.

Held money

Having your credit card deposits held often happens due to having the wrong merchant account or setting up a payment service that doesn’t support your industry. Most processors likely won’t support your high-risk business type well or at all. This can often be a particular issue with Stripe or PayPal as, at times, it feels like parts of the actual underwriting process don’t occur until after the account is set up.

Choosing the wrong payment partner will result in held funds, not to mention the potential for canceled accounts.

Account shutdowns

This particular issue is often due to a lack of clarity on industry/business type when getting new credit card processing. While banks and providers are generally thorough, some details may slip through the cracks.

If you’re unaware of what you need from day one, you can, unfortunately, end up having an account fully set up and working, only for it to be suddenly shut down because you’re with the wrong credit processor for your site.

Excessive fees and costs

Looking at the issues discussed above, you may think that this is one of the lesser evils – but don’t be fooled. Many high-risk business owners decide to stick with their credit card processor as long as “it works.” Unfortunately, while there are many ways for something to “work,” just because it’s working doesn’t mean it’s ideal for you.

Accepting excessive fees and per-transaction charges is a common pitfall you need to avoid. You can often save vast amounts of money on high-risk credit card processing if you choose Tower Payments as your merchant processor from the start.

You deserve a real person to talk to – and not just before you sign up

Above, we listed a few of the problems that we want to help you avoid or fix. It’s terrible to hear some of the horror stories we come across on a regular basis. This is why we clearly disclose all our fees upfront and assign a real human to support you for the life of your account.

At Tower Payments, we take great pride in the fact that we help independent website owners by providing an easy way to process credit cards at a fair and highly competitive rate. In addition, we take the time to listen, not only before you sign up but also when you need it – say on a Friday afternoon – or years later.

We’re here whenever you have a question. We will support you when you need it. That’s our promise.

Make sure your processor integrates with your website

One of the most common challenges a high-risk site owner has when looking for credit card processing is finding a provider that works with their shopping cart or software.

If you have already spent dozens of hours customizing your high-risk Wix, WooCommerce, or Shopify site, then getting approved for a high-risk merchant account that does not work with your site builder does you no good. We understand that, and we will review your site, learn about you and your business, and work to find a high-risk credit card processing solution that not only approves your account but also actually integrates with your website.

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Why choose Tower Payments as your high-risk credit card processor?

As a high-risk business owner, finding a credit card processor that understands your industry and can provide stable, reasonably priced credit card processing can help. Tower Payments is here to make that process easier for you.

Here are just a few reasons why you should choose Tower Payments as your high-risk credit card processor:

Tower has deep expertise in high-risk merchant accounts

At Tower Payments, we specialize in providing credit card processing for high-risk businesses that have been declined by other solutions or were shut down because of the products and services they offer. We have years of experience working with high-risk industries such as pipes, bongs, adult toys, CBD, nutritional supplements, and cannabis seeds. We understand the unique challenges that these businesses face when it comes to accepting credit card payments.

Transparent, upfront rates and terms

At Tower Payments, we believe in being transparent with our clients. We provide rates and terms upfront, so there are no surprises or hidden fees. We want you to know exactly what you’re paying for and how much it will cost you. We will also help you integrate a new payment gateway and merchant account into any major shopping cart or site builder at no additional cost.

High-risk credit card processing for all popular shopping carts

We understand that as a high-risk site owner, finding a provider that works with your cart or software can be a challenge. That’s why we work with the most popular site builders and custom applications, including Wix, WooCommerce, Shopify, BigCommerce, ClickFunnels, and more. We will review your site, learn about your business, and work to find a high-risk credit card processing solution that approves your account and integrates seamlessly with your website.

We support both in-house fulfillment and dropshippers

Finding fair, honest, high-risk merchant processing is difficult enough if you maintain your own in-house fulfillment and inventory. At Tower Payments, we feel that even if you dropship your products, you should not have to struggle to find credit card processing that is priced right – and easy to integrate.

If your high-risk website is based in the US and you have a fulfillment agreement in place with your supplier, Tower Payments can help your dropshipping website accept credit cards online. We work with most high-risk dropship industries, including online head shops, adult toys, vaporizers, cannabis equipment websites, and nutritional supplements.

Tower Payments loves helping high-risk businesses accept credit cards 

We want to help. Regardless of your industry, shopping cart software, or level of technical expertise, we are always willing to take the time to go over all your options. Before submitting any application for you, we will pre-screen you with our large selection of high-risk processors and then present you with all the fees ahead of time.

When there are choices that need to be made, we will go over the positives- and the negatives of each solution. We’ll explain all the moving pieces to you and make sure everything works together. We’re different than the big high-risk merchant account providers and fly-by-night brokers, and we know you’ll be happy you found us.

Let us help your high-risk website accept credit cards