High Risk Processing
Accepting High-Risk Merchants
ClearStream Payments offers solutions for high-risk merchant accounts, customized to meet the needs of businesses that require additional underwriting and oversight. Our team works to provide secure processing, reliable equipment, and fast approvals to help you keep transactions moving.
Global Rails
Processing available on global payment networks, with support for Global VARs. *Note: Global does not board high-risk merchants.
Dejavoo Equipment
Access a wide range of Dejavoo devices, including countertop terminals, wireless options, and POS registers.
Short SLA Time
High-risk approvals typically issued within 24–72 hours, depending on merchant risk level.
Accepted Business Types
- Coaching and Seminars (including online educational services, courses, biz op, etc.)
- Auctions
- Bail Bonds
- Card-not present firearms (must have FFL)
- CBD (all products, including Delta, must contain less than .03% THC)
- Collection Agencies
- Continuity/subscriptions offers
- Credit Repair
- Dating Services
- Debt consolidation
- Debt Repayment (i.e short-term lenders such as payday & collection agencies)
- Digital Goods
- Doc Prep
- Gun shops/sellers
- Health supplements & nutraceuticals
- Licensed gambling (not government owned)
- Medical marijuana cards/doctors
- Money Transmitters, MSBs, Licensed Lenders
- Multi-level marketing (MLM)
- Non-FI account Loading
- Outbound & Subscription direct marketing
- Pawn shops
- Quasi cash
- Timeshare relief/exit services
- Tobacco
- Travel (including airlines, cruise lines, and other related verticals)
- Vape and paraphernalia
Not Supported on Card Not Present
- Drugs- drug proprietaries, druggist sundries
- Drug stores, pharmacies
- Direct marketing- travel related arrangement
- Direct marketing outbound telemarketing
- Direct marketing inbound telemarketing
- Cigar stores- sells tobacco, cigarettes, electronic cigarettes, cigars, pipes and
- Smokers' Supplies
- Dating Services
- Betting, including lottery tickets, casino gaming chips, off-track betting and wagers at race tracks
- Computer network/information services for the sale of access to cyberlockers or
- Remote digital file-sharing services
- Digital goods for transactions involving skilled game wagering (ex. Fantasy sports)
- Non-financial institutions- foreign currency, non-fait currency (ex.cryptocurrency), money orders, account funding, travelers cheques and debt repayment.
