🔥 Top 10 High Risk Payment Processors Shopify 2026 ⚡
Finding reliable high risk payment processors Shopify merchants can trust is challenging. Our comprehensive guide covers the top 10 high risk payment processors Shopify store owners need to know about in 2026, offering secure, fast, and reliable payment solutions for your business.
Top 10 High Risk Payment Processors for Shopify
SecurePay Pro
One of the leading high risk payment processors Shopify merchants trust, SecurePay Pro specializes in industries that traditional payment gateways avoid. Their seamless Shopify integration makes them ideal for high risk payment processing.
- Specializes in high risk payment processors Shopify
- Seamless Shopify integration
- 24/7 fraud monitoring
- Multi-currency support
- Chargeback protection
GlobalPay Solutions
GlobalPay Solutions stands out among high risk payment processors Shopify options for its international capabilities. If your business operates globally, this high risk payment processor Shopify solution offers the coverage you need.
- Accept payments in 150+ currencies
- High transaction limits
- Advanced risk management
- Dedicated account manager
- Quick approval process
RapidPay Merchant
When it comes to high risk payment processors Shopify merchants need for fast cash flow, RapidPay Merchant delivers. Their 24-hour payout guarantee makes them one of the fastest high risk payment processors Shopify store owners can choose.
- 24-hour payout guarantee
- Low processing fees
- Easy Shopify app integration
- Real-time reporting dashboard
- No setup fees
Fortress Payments
Fortress Payments is among the most secure high risk payment processors Shopify merchants can select. Their PCI Level 1 compliance and advanced fraud detection make them ideal for high risk payment processing on Shopify platforms.
- PCI Level 1 compliant
- International payment acceptance
- Advanced fraud detection
- Subscription billing support
- Virtual terminal included
Maximize Merchant
For established businesses needing high transaction limits, Maximize Merchant is one of the premier high risk payment processors Shopify high-volume merchants rely on. Their custom pricing adapts to your specific high risk payment processing needs.
- Unlimited monthly processing volume
- High-risk industry specialists
- Custom pricing for high-volume merchants
- Multi-channel payment acceptance
- Dedicated support team
BudgetPay Gateway
BudgetPay Gateway offers some of the lowest rates among high risk payment processors Shopify store owners can find. While their features are basic, their affordable pricing makes them ideal for startups needing high risk payment processing on a budget.
- Lowest processing fees in the market
- No monthly minimums
- Simple pricing structure
- Quick Shopify setup
- Basic fraud protection
SwiftPay International
SwiftPay International combines global reach with rapid payouts, making it one of the most versatile high risk payment processors Shopify merchants can use. Their same-day payout option is rare among high risk payment processors Shopify solutions.
- Same-day payouts available
- Global payment acceptance
- Advanced analytics dashboard
- Mobile payment support
- Recurring billing options
EnterprisePay
EnterprisePay is designed for established businesses needing robust high risk payment processors Shopify integration. Their enterprise-level security and custom integration options make them ideal for complex high risk payment processing requirements.
- Designed for high-volume businesses
- Enterprise-level security
- Custom integration options
- Dedicated account management
- Advanced reporting tools
ValuePay Solutions
ValuePay Solutions balances affordability with performance, making it one of the most practical high risk payment processors Shopify merchants can choose. Their transparent pricing and 48-hour payout guarantee offer peace of mind for high risk payment processing.
- Competitive processing rates
- 48-hour payout guarantee
- No hidden fees
- Easy Shopify integration
- Basic reporting features
PremiumPay Global
PremiumPay Global represents the pinnacle of high risk payment processors Shopify merchants can access. Their white-glove service and comprehensive chargeback protection make them the premium choice for high risk payment processing on Shopify.
- Premium high-risk processing
- Global payment acceptance
- Highest transaction limits
- White-glove customer service
- Advanced chargeback protection
High Risk Payment Processors Shopify Comparison
| High Risk Payment Processor | Processing Fee | Setup Fee | Monthly Fee | Payout Time | Global Support |
|---|---|---|---|---|---|
| SecurePay Pro | 2.9% + $0.30 | $0 | $25 | 2-3 days | |
| GlobalPay Solutions | 3.2% + $0.25 | $50 | $30 | 3-5 days | |
| RapidPay Merchant | 2.5% + $0.20 | $0 | $20 | 24 hours | |
| Fortress Payments | 3.0% + $0.30 | $0 | $35 | 2-4 days | |
| Maximize Merchant | Custom | $100 | Custom | 2-3 days | |
| BudgetPay Gateway | 2.2% + $0.15 | $0 | $15 | 5-7 days | |
| SwiftPay International | 2.8% + $0.25 | $25 | $25 | Same day | |
| EnterprisePay | Custom | $200 | Custom | 2-3 days | |
| ValuePay Solutions | 2.4% + $0.20 | $0 | $18 | 48 hours | |
| PremiumPay Global | 3.5% + $0.30 | $75 | $50 | 1-2 days |
High Risk Payment Processors Shopify Guide
What is a High Risk Payment Processor?
A high risk payment processor is a financial service provider that specializes in processing payments for businesses considered high risk by traditional payment processors. When standard payment gateways reject your Shopify store, high risk payment processors Shopify solutions become essential for accepting online payments.
Why Do Some Businesses Need High Risk Processors?
Businesses in industries like CBD, adult entertainment, online gambling, nutraceuticals, and travel services often require high risk payment processors Shopify integration. These industries face higher chargeback rates, legal restrictions, or reputational concerns that traditional processors avoid.
How to Choose the Right High Risk Processor for Shopify
When selecting high risk payment processors Shopify merchants should consider processing fees, payout times, integration ease, customer support, security features, and industry experience. Always compare multiple high risk payment processors Shopify options before making a decision.
Security Features to Look For
Essential security features in high risk payment processors Shopify solutions include PCI compliance, fraud detection systems, chargeback protection, data encryption, tokenization, and secure customer data handling. These features protect both your business and your customers from fraud.
Managing Chargebacks with High Risk Processors
Effective chargeback management with high risk payment processors Shopify integration involves clear refund policies, excellent customer service, detailed transaction records, prompt responses to disputes, and using processors with strong chargeback protection tools.
International Payment Processing Considerations
For international sales, choose high risk payment processors Shopify merchants can rely on for global transactions. Look for processors that support multiple currencies, comply with various regional regulations, offer competitive exchange rates, and provide localized payment methods.
High Risk Payment Processors Shopify FAQ
High risk industries typically include CBD products, adult entertainment, online gambling, nutraceuticals, travel services, subscription services, e-cigarettes, debt collection, and businesses with high chargeback rates. These industries require specialized high risk payment processors Shopify integration to accept payments.
High risk payment processors differ by charging higher fees to offset increased risk, implementing stricter underwriting processes, providing specialized fraud protection tools, offering chargeback management services, and having expertise in specific high-risk industries. Unlike standard processors, high risk payment processors Shopify solutions are designed to handle the unique challenges of high-risk businesses.
Shopify Payments, powered by Stripe, has restrictions on certain high-risk industries. If your business is declined by Shopify Payments, you’ll need to use third-party high risk payment processors Shopify integration through their payment gateway API. Many high risk payment processors Shopify merchants use offer seamless integration despite not being native Shopify solutions.
Approval times for high risk payment processors Shopify integration vary but typically range from 24 hours to 7 business days. The process involves submitting business documents, financial statements, processing history, and undergoing underwriting review. More complex businesses may require additional time for high risk payment processors Shopify approval.
High risk payment processors Shopify solutions typically involve higher transaction fees (2.5-5% + $0.20-$0.50), monthly fees ($15-$50+), setup fees ($0-$200+), chargeback fees ($15-$50 each), and potentially rolling reserves (5-10% held for 180 days). These fees reflect the increased risk that high risk payment processors Shopify merchants face.
To reduce chargebacks with high risk payment processors Shopify integration: provide clear product descriptions, use recognizable billing descriptors, offer excellent customer service, implement a clear refund policy, maintain detailed transaction records, use fraud detection tools, and respond promptly to customer inquiries and disputes. Many high risk payment processors Shopify merchants use offer additional chargeback protection tools.
