Industries

Secure Processing for High-Risk Merchants

Tailored Support for Challenging Verticals

High-Risk Industries

At DirectPayNet, we specialize in providing high-risk merchant accounts to businesses that need secure, reliable, and compliant payment processing.

Being labeled “high-risk” doesn’t always mean what you think. While industries like adult, CBD, or gaming are well known, many everyday business models can also fall into this category. If your company has recurring billing, sells internationally, operates in emerging markets, or simply faces higher-than-average chargebacks, processors may treat you as high-risk.

We understand the unique challenges this creates—tougher approval requirements, stricter compliance, and more complex payment flows. That’s where we come in. Our expertise helps you navigate these waters with confidence, so your payments don’t hold your growth back.

Why Industries Matter in High-Risk Payments

Not all high-risk businesses face the same challenges. Subscription merchants fight chargebacks. CBD brands run into banking restrictions. Gaming platforms deal with fraud. That’s why we take an industry-specific approach—matching the right banks, processors, and compliance strategies to your exact vertical.

Industries We Support

Below are some of the high-risk industries we serve most often. This list is not exhaustive: if you don’t see your business here, reach out. Chances are we’ve helped merchants in your space before and can build a payment solution tailored to you.

On Shopify? Many high-risk businesses get flagged or shut down by Shopify Payments. Our solutions integrate seamlessly with your Shopify store. Learn How

Direct Response

Products sold via direct response channels—such as supplements, skincare, and continuity programs—face high chargeback rates, compliance hurdles, and regulatory scrutiny.

Nutraceuticals & Supplements

The nutraceuticals and supplements industry faces strict regulations and frequent chargebacks, making it a high-risk sector.

Digital Products

Merchants selling digital products, such as e-books, software, or online courses, require specialized payment processing solutions due to the high-risk nature of their businesses.

Shopify Store

Avoid payment freezes and account holds on Shopify. Get a reliable merchant account built for long-term stability and growth.

High-Ticket Sales

Merchants selling high-ticket products often encounter high chargeback rates and fraud risks.

Psychic Services

Psychic, tarot reading and fortune teller businesses face challenges such as high chargeback rates and customer skepticism.

Online Coaching

Online coaching businesses often face high chargeback rates due to the intangible nature of their services.

Subscriptions

Subscription-based businesses require specialized payment processing solutions to handle recurring payments and manage the risk of chargebacks.

Dropshipping

Dropshipping businesses face unique challenges, including high chargeback rates and supply chain complexities.

Vacations & Travel

Travel agencies, booking platforms, and timeshare businesses face high chargeback rates and complex regulations.

CBD & Herbals

CBD, cannabis, kratom, and other herbal products face strict regulations, banking restrictions, and higher chargeback risks.

Dating

Online dating and matchmaking platforms face strict regulations, high chargeback rates, and elevated fraud risks, making payment processing especially challenging.

Beauty & Personal Care

Skincare, haircare, and hair loss supplement businesses face strict regulations and high chargeback risks.

Adult

Adult websites and content platforms face strict regulations, high chargeback rates, and elevated fraud risks that make payment processing especially challenging.

Crypto

Businesses dealing in cryptocurrency—or simply accepting crypto payments—face regulatory scrutiny, volatile transactions, and elevated fraud and chargeback risks.

AI & Automation

Companies building or selling AI-powered tools, automation platforms, or AI-based services that often need tailored merchant accounts and payment setups.

E-Cigarettes

E-cigarette and vape businesses face heavy regulations, age-verification requirements, and high chargeback risks.

SaaS

Software-as-a-Service businesses face challenges with recurring billing, high refund rates, and increased fraud risk in subscription payments.

MOTO

Mail order/telephone order merchants face higher fraud and chargeback risks due to card-not-present transactions, making payment processing more complex.

Payday Lenders

Payday lending is heavily regulated, with frequent declines, frozen funds, and account closures from traditional payment processors.

Gaming & Gambling

Online gaming and gambling businesses are labeled high-risk due to compliance requirements, high transaction volumes, and elevated chargeback risks.

Firearms & Ammunition

Firearms and ammunition sales face strict regulations and intense scrutiny, making payment processing approvals difficult and accounts unstable.

Survival & Tactical

The survivalist and tactical gear industry is subject to strict regulations and unique challenges.

Need a Solution Built for You?

Every business is different—even within the same industry. That’s why our services go beyond “one-size-fits-all” processing. Explore our Merchant Services to see how we help high-risk businesses get approved, lower reserves, and scale globally.