Solutions · High-risk
High-risk, handled like a partner.
Credit repair, CBD, nutraceuticals, firearms, vape, adult, debt collection, telehealth, travel, online gaming, subscription boxes, coaching, dating, crypto, forex, and 20+ other high-risk verticals get fair, disclosed terms and a dedicated risk team. Underwriting is done up front, so you are never surprised by a reserve or termination.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- Disclosed
- Terms agreed in writing before go-live
- Dedicated
- Risk manager on your account
- Ethoca + Verifi
- Chargeback alerts included
- 0
- Automated terminations
Why High-risk Merchants teams choose HL Hunt
Transparent terms
Rates, any reserve, and settlement timing are agreed before you sign. Nothing imposed later.
Chargeback alerts
Resolve disputes before they become chargebacks and protect your network ratios.
Dispute Agent
Every chargeback answered with compelling evidence, automatically.
Recurring billing
Compliant trial and subscription flows with clear disclosure and easy cancellation.
Multiple acquiring relationships
Routing across acquirers that accept your vertical, with failover.
A human risk team
If something changes, we call you. We do not email a termination.
Ready to run High-risk Merchants payments on HL Hunt?
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Get approved up front
Share your products, marketing, and refund policy. Our risk team reviews and proposes terms within a few business days.
- 02
Integrate or go no-code
Integrate checkout and billing, or use payment links and the virtual terminal.
- 03
Grow with your agents
Alerts, the Dispute Agent, and your risk manager keep ratios healthy as you scale.
High-risk is a category, not a judgment
Card networks classify industries as high-risk based on dispute patterns, not on the quality of any individual business. Self-serve processors respond by banning entire categories or by approving instantly and terminating later. Neither helps a legitimate business grow.
HL Hunt does the work: real underwriting, clear terms, and active dispute prevention. Our acceptable-use policy is published, and if your business fits within it, we commit to being your long-term partner.
What changes
HL Hunt vs a typical processor for High-risk Merchants
| HL Hunt | Typical processor | |
|---|---|---|
| High-risk Merchants experience | Risk team that already knows your model | Generic review that flags normal patterns |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. High-risk Merchants is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
High-risk Merchants is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up High-risk Merchants today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
High-risk Merchants FAQ
Which high-risk industries do you support?
Credit repair, CBD and hemp, nutraceuticals and supplements, firearms and ammunition, vape and tobacco, adult, debt collection, telehealth and online pharmacy, travel agencies, online gaming and fantasy sports, subscription boxes and continuity, coaching and online courses, dating, timeshare and vacation clubs, bail bonds, precious metals, tech support, crypto on-ramps, forex and trading education, moving companies, pawn shops, and MLM or direct sales. Each has a dedicated page under High-risk industries. If yours is not listed, contact us and we will tell you plainly whether we can underwrite it.
Do you support credit repair merchant accounts?
Yes. Credit repair is one of our most common high-risk verticals. We underwrite CROA-compliant businesses with clear contracts, no advance-fee billing, and documented cancellation rights.
Will I need a reserve?
Sometimes, depending on your profile. If so, it is disclosed and agreed up front and reviewed for release as your history builds.
How quickly can I be approved?
Most high-risk applications are reviewed within two to five business days.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.