Looking for a High Risk Merchant Account?

Speedy approvals with rates from 0.2% to 1.0% FLAT RATE

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Speedy Approvals

as little as 24 hours

Transparent Pricing

no deceptive “tiered pricing”

Guaranteed Lowest Rates

we’ll beat any lower offers

OrbitPay High Risk Merchant Accounts

Guaranteed Lowest Rates

You won’t find any deceptive “tiered” rate schemes, or hidden costs here.  We know there are plenty of predatory merchant service providers out there, but we pride ourselves in our honest and transparent approach.  We are happy to help you understand exactly what you are paying for, and if you manage to find a lower rate high risk merchant account we will beat it.

Robust Solutions

While we specialize in placing high risk online merchant accounts at the lowest possible rates, we have solutions for low risk and brick and mortar retail merchants as well!

Rate Comparison

OrbitPay specializes in placing High Risk Merchant Accounts that may get rejected or terminated at other banks.  However we’re more than happy to help you get the best deal for any non high risk merchant category!

OrbitPay Retail

Interchange Plus
0.2% + $0.05

OrbitPay Online

Interchange Plus
0.6% +$0.05

Other Providers

Tiered Rates
2.99% + $0.15
How does Flat Rate work?

Most merchant providers work on a “Tiered Rate” structure with three tiers: Qualified, Mid-Qualified, and Non-Qualified.  They will usually advertise their lowest Qualified rate, but they do not clarify what even makes a transaction Mid-Qualified or Non-Qualified nor do they tell you just how few will actually get the Qualified rate.

Flat rate, or Interchange Plus Pricing, is just that you pay the exact flat rate on each and every transaction.  Your monthly statements are cut and dry unlike a tiered structure where the statements are nearly impossible to decifer.

What is discount rate?

Don’t be fooled by the name, it has absolutely nothing to do with receiving any discount.  The discount rate is what you are charged by your acquiring bank, which would be us.  Our Discount rates are 0.2% + $0.10 for retail accounts and 1.0% + $0.10 for online accounts.

What is interchange rate?

The interchange rate is the rate charged by the credit card networks (ie. Visa, Mastercard).  Unfortunately this is something that we, and every other merchant provider, have absolutely no control over.  The average interchange rate is about 1.5% + $0.15, but can vary based on your customer base since international, business, and rewards cards fall on the higher end.

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Still Have Some Questions?