Get approved for your high-risk merchant account.

Payment processing for high-risk and hard-to-place businesses.

Apply Now

Qualified Credit Rate Starting at 4.79%

Why Polygon Payments?

Because we believe in our vision for the merchants we help. A dedicated merchant account offers lower transaction costs, greater account stability, and customized pricing compared to aggregators like Stripe or PayPal.

Person holding payment terminal and phone

Supported High-Risk & Hard-to-Place Businesses

Polygon Payments is not a payment processor, bank, or acquirer. We do not onboard, underwrite, or approve merchants ourselves. Instead, we connect you with third-party payment processors and providers who handle all applications, underwriting, and approval decisions. We refer merchants across a growing range of industries and verticals to the third-party providers who underwrite and approve them. All approval decisions are made solely by those providers, not by Polygon Payments.

  • Adult
  • Card-not-present
  • CBD
  • Credit repair & recovery
  • Firearms
  • High-volume ecommerce
  • Online pharmaceuticals
  • Online gambling
  • Telemedicine
  • Travel agencies & tour packages
  • And many more!

If your business is legal and based in the United States, chances are we can refer you to a third-party provider who can help you get approved. Final approval is always determined by that provider, not by Polygon Payments.

Transparent Pricing. No Surprise Fees.

We believe merchants deserve to know the costs upfront. Your final pricing depends on your business type, processing volume, and risk profile — but our fee structure is clearly disclosed before you begin processing.

Processing Rates

  • Qualified Credit Rate Starting at 4.79%
  • Transaction Fee $0.35 per transaction
  • Non-Qualified Rate Adjustment +2.90%

Account Fees

  • Annual Account Fee $99/year
  • Platform Access Fee $5/month
  • Monthly Minimum Processing Fee $500

Processing Services

  • Address Verification (AVS) $0.10
  • Batch Settlement Fee $0.35
  • Voice Authorization $1.00

Merchant Support & Risk Fees

  • Chargeback Fee $35
  • Retrieval Request Fee $7
  • Returned Item Support Fee $30

Mobile POS Fees

  • Active Device Fee $0.50/day per active device
  • Per Item Fee $0.05 per item

Why Merchants Choose Us

  • Clear pricing before approval
  • No bait-and-switch rates
  • Solutions for high-risk and hard-to-place industries
  • Processor-backed payment solutions

Contact

Email: contact@polygonpayments.com

Phone: +1 (888) 536-6002