Industries we place merchant accounts for

Which industries does this cover?

Every industry below is legal, and every one of them gets declined or dropped by ordinary processors for a reason that has nothing to do with the business being run honestly. Some carry chargeback patterns that scare standard underwriting. Some carry future-delivery exposure the acquirer has to hold reserves against. Some sit inside billing models, subscriptions, advance fees, recurring debits, that create dispute volume no matter how well the business is run. Pick the page below that matches the business, and read what makes a business high risk first if none of these feel like an exact fit.

• Peptide payment processing: research-use labelling and claims risk make underwriters nervous even when the business sells exactly what the label says.
• Merchant accounts for travel agencies: money changes hands months before the trip happens, so the acquirer is exposed the whole time in between.
• Credit card processing for firearms: a lawful, licensed industry that a long list of processors avoid on category alone, regardless of the dealer’s own record.
• Merchant accounts for credit repair: a billing model shaped by advance-fee rules, paired with clients who dispute charges when results disappoint.
• Nutraceutical merchant accounts: subscription and free-trial billing drive chargeback ratios most processors will not tolerate.
• Merchant accounts for collection agencies: consumers pay under pressure, dispute at a high rate, and licensing questions follow the business across state lines.
• Dropshipping payment processing: long delivery windows and a supplier the business does not control generate a steady stream of "I don’t recognise this charge" disputes.

What happens when an industry is reviewed?

Category alone never decides an application. An underwriter reads the actual business: how it takes payment, what it ships or delivers and when, how it discloses charges to the customer, and what its dispute history actually looks like rather than what the industry is assumed to look like. Two businesses in the same category can get very different answers depending on how they handle exactly those questions.

If the business has already been dropped by a processor, start with what to do when your processor drops you rather than the industry page, since the immediate steps are the same regardless of category. If a MATCH listing is part of the picture, the MATCH list, explained covers what that means before an industry-specific conversation is useful.