Polygon Payments — High-Risk Merchant Processing Specialists
Get Approved When Traditional Processors Say No
High-risk payment processing solutions for businesses in regulated, restricted, and hard-to-place industries. When mainstream processors walk away, we help you find a path forward.
Apply for Merchant Approval View Supported Industries
Qualified Rates Starting at 1.89% (Retail Plan) & 4.79% (Internet Plan)
Industries We Serve
We specialize in payment processing for businesses traditional banks and processors often decline. Explore solutions built for your vertical — each backed by established processing partners.
CBD Merchant Accounts
Accept payments for CBD products without relying on unstable processing relationships.
Learn more →Travel Merchant Accounts
Payment solutions designed for travel agencies, booking platforms, and ticket sellers.
Learn more →Subscription Merchant Accounts
Reduce payment disruptions for recurring billing and membership businesses.
Learn more →Digital Goods
Processing solutions for software, memberships, and online products.
Learn more →Adult
Discreet payment solutions for compliant adult businesses.
Learn more →Nutraceuticals
Reliable processing for supplements, wellness, and continuity-billing brands.
Learn more →Also serving firearms, credit repair & recovery, online gaming, telemedicine, card-not-present, high-volume ecommerce, and 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.
Why Choose Polygon Payments?
We sell approval and reliability — not just payment processing. A dedicated merchant account offers lower transaction costs, greater account stability, and customized pricing compared to aggregators like Stripe or PayPal that freeze funds and terminate high-risk accounts without warning.
- Solutions for industries banks decline
- Support to reduce sudden terminations and frozen funds
- Chargeback and risk management guidance
- Transparent pricing disclosed before you process
- 12+ High-risk verticals served
- 1.89% Retail Plan qualified rate
- 4.79% Internet Plan qualified rate
- 50 States U.S. domestic coverage
Helping businesses in 12+ high-risk verticals access reliable payment solutions.
How It Works
A straightforward path from application to accepting payments.
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1
Submit Application
Tell us about your business, industry, and processing needs.
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2
Risk Review
A third-party provider reviews your business model and risk profile.
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3
Processing Solution
You're matched with a compliant processing solution for your vertical.
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4
Start Accepting Payments
Get set up and begin processing with dedicated merchant support.
Transparent High-Risk Processing Rates
Pricing varies by industry, volume, and risk profile. Below is a starting point — your final pricing is clearly disclosed before you begin processing, with no surprise fees and no bait-and-switch rates.
Internet Plan
- Processor EPX
- Pricing Model Tiered
- Qualified Rate 4.79%
- Mid-Qualified Bump Rate 0%
- Non-Qualified Bump Rate 2.29%
- Transaction Fee $0.35
- Annual Fee $99.00
- Account Setup Fee N/A
- Terminal Authorize.net
For more pricing information, contact us.
Apply for Internet PlanRetail Plan
- Processor EPX
- Pricing Model Tiered
- Qualified Rate 1.89%
- Mid-Qualified Bump Rate 1.81%
- Non-Qualified Bump Rate 2.32%
- Transaction Fee $0.30
- Annual Fee $75.00
- Account Setup Fee $95.00
- Terminal PayAnywhere Smart Terminal (A920 Pro)
For more pricing information, contact us.
Apply for Retail PlanCompliant, Processor-Backed Solutions
Polygon Payments works with established processing partners and acquiring institutions to provide compliant payment solutions based on each merchant's business model and risk profile.
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. All approval decisions are made solely by those providers, not by Polygon Payments.
Frequently Asked Questions
Can you help if I've been declined or terminated before?
Yes. Working with businesses that banks decline or processors terminate is our specialty. We refer you to third-party providers who underwrite high-risk and hard-to-place industries. Final approval is always determined by that provider.
Will my account stay open?
A dedicated merchant account with a processor that understands your vertical offers far greater stability than aggregators. We also provide chargeback and risk management guidance to help keep your account in good standing.
How fast can I start processing?
Timelines depend on your industry and the provider's underwriting. Submitting a complete application with accurate business details is the fastest way to move forward.
What does it cost?
Pricing varies by industry, volume, and risk profile. Our fee structure is clearly disclosed before you begin processing — see the pricing section above for a starting point.
Do you guarantee approval?
No. All underwriting and approval decisions are made solely by third-party providers, not by Polygon Payments. We help match you with providers suited to your business model and risk profile.
Ready to Get Approved?
Submit your application today!