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VIEW RANKINGS FOR BEST COMPANIES BY PRACTICE AREA:
Services
Our Selection Process For
Best High Risk Merchant Account Providers for Bad Credit
Our Selection Process For
Best High Risk Merchant Account Providers for Bad Credit

Last updated: April 1, 2025

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Best
Top 10 High Risk Merchant Account Providers for Bad Credit

Best High Risk Merchant Account Providers for Bad Credit - April 2025

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Competitive Rates

Competitive Rates

Reliability

Reliability

Security

Security

Fraud Detection

Fraud Detection

Customer Support

Customer Support

Overall Score

0
100
 
G
VG
E
 

Change in Rank
Leaders
1
MBNCARD, Inc. Las Vegas, Nevada
25 Reviews Write A Review
Travis Cain
877 871-4629
Visit Website MBNCARD, Inc.
1991
$1 million
20
10,500+
96
L
Confidential., Love Us, The Brow Spa, Whale Watch

Gift & Loyalty Cards,
High Risk Processing,
ISO Agent Programs,
Portfolio Sales

100
100
100
100
100
100%
NC
 Rate this company
View Profile Is this your profile? Update Now
MBNCARD, Inc. MBNCARD, Inc.
Talk to a Representative: 877 871-4629
Service Offerings:
Key Facts For MBNCARD, Inc.
  • Major Clients:
    Confidential., Love Us, The Brow Spa, Whal...
  • Year Founded:
    1991
  • Fulltime Employees:
    20
  • Active Clients:
    10,500+
  • Revenue:
    $1 million
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    merchantsbancard.com
Request A Quote
Reviews (25)
Leave a Review
Positive Review 25 Reviews
Best rates, fast set up
We use MBN Payment Systems for credit card pr...
Philomena Helen
Positive Review
Well-informed service
The people from MBN that I was working with i...
Sophronia Alice
Positive Review
Easy set up for non-tech users
Learned about MBN when I was doing some work...
Olsen Zaiden

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

2
digipaysolutions.com Encinitas, California
Write A Review
Mike Ackerman
888-899-9811
Visit Website digipaysolutions.com
2009
Est. $1 million
1 - 10
20+
98
L
Confidential

Enterprise Credit Card Processing

99
100
98
99
100
99.2%
NC
 Rate this company
View Profile Is this your profile? Update Now
digipaysolutions.com
Talk to a Representative: 888-899-9811
Service Offerings:
Key Facts For digipaysolutions.com
  • Major Clients:
    Confidential
  • Year Founded:
  • Fulltime Employees:
    1 - 10
  • Active Clients:
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
  • Pricing:
    L
  • Website:
    www.digipaysolutions.com
Request A Quote
Reviews (0)
Leave a Review
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

3
US ACH EFT Electronic payment processing Carson City, Nevada
Write A Review
Tina Brandon
800-553-3148
Visit Website US ACH EFT Electronic payment processing
2002
Est. $1 million
1 - 10
255
92
L
Available upon request.

Check Processing,
High Risk Processing,
ACH Processing

100
98
99
98
96
98.2%
NC
 Rate this company
View Profile Is this your profile? Update Now
US ACH EFT Electronic payment processing US ACH EFT Electronic payment processing
Talk to a Representative: 800-553-3148
Service Offerings:
Key Facts For US ACH EFT Electronic pay...
  • Major Clients:
    Available upon request.
  • Year Founded:
    2002
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    255
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    92
  • Pricing:
    L
  • Website:
    www.nationalach.com
Request A Quote
Reviews (0)
Leave a Review
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

Strong Performers
4
Credit Card Processing Specialists Grandville, Michigan
Write A Review
Mike Konig
616-275-5306
Visit Website Credit Card Processing Specialists
2010
$250,000 - $1 million
30
1,000+
98
M
Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware

Credit Card Processing,
Payment Gateway,
Point of Sale Systems,
High Risk Processing

97
95
97
96
98
96.6%
NC
 Rate this company
View Profile Is this your profile? Update Now
Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 616-275-5306
Service Offerings:
Key Facts For Credit Card Processing Sp...
  • Major Clients:
    Main Street Technologies, Advance Auto Par...
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.creditcardprocessingspecialists.com
Request A Quote
Reviews (0)
Leave a Review
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

5
Leap Payments, Inc. Agoura Hills, California
Write A Review
Will Detterman
800-993-6300
Visit Website Leap Payments, Inc.
2005
$1 million - $5 million
10 - 50
2,500+
99
L
Best Western Hotels, H&R Block, Buy Direct, Yellow Cab, PetSmart

Retail Processing,
Online Credit Card Processing,
Credit Card Processing,
Merchant Services

94
97
96
97
95
95.8%
NC
 Rate this company
View Profile Is this your profile? Update Now
Leap Payments, Inc. Leap Payments, Inc.
Talk to a Representative: 800-993-6300
Service Offerings:
Key Facts For Leap Payments, Inc.
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Direct...
  • Year Founded:
    2005
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.leappayments.com
Request A Quote
Reviews (0)
Leave a Review
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

6
Vantage Payments Phoenix, Arizona
2 Reviews Write A Review
Visit Website Vantage Payments
2008
$3 million - $5 million
2
400+
97
L
Airlines, Bad Credit, Collection Agencies,Credit Repair, Debt Consolidation, Direct Response Online, And More.

High Risk Processing,
Credit Card Processing,
Travel,
Technology

94
95
96
96
96
95.4%
NC
 Rate this company
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Vantage Payments Vantage Payments
Talk to a Representative:
Service Offerings:
Key Facts For Vantage Payments
  • Major Clients:
    Airlines, Bad Credit, Collection Agencies,...
  • Year Founded:
    2008
  • Fulltime Employees:
    2
  • Active Clients:
    400+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    97
  • Pricing:
    L
  • Website:
    lead.vantagepayment.com
Request A Quote
Reviews (2)
Leave a Review
Negative Review 2 Reviews
Anonymous
Negative Review
Anonymous

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

Contenders
7
BankCard USA Westlake Village, California
1 Review Write A Review
Shawn Skelton
1 800-589-8200
Visit Website BankCard USA
1998
30-50M
44
20,000+
96
L
Coastal Dermatology, Supertone Hearing, Lunaria Music, Coastal Dermatology, Supertone Hearing, Lunaria Music

Payment Gateway,
Credit Card Processing,
Enterprise Credit Card Processing,
Merchant Cash Advance

96
93
93
94
96
94.4%
NC
 Rate this company
View Profile Is this your profile? Update Now
BankCard USA BankCard USA
Talk to a Representative: 1 800-589-8200
Service Offerings:
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, Lu...
  • Year Founded:
    1998
  • Fulltime Employees:
    44
  • Active Clients:
    20,000+
  • Revenue:
    30-50M
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
Request A Quote
Reviews (1)
Leave a Review
Negative Review 0 Reviews
Anonymous

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

8
First Data Corporation Atlanta, Georgia
1 Review Write A Review
Guy Chiarello
1 (404) 890-2000
Visit Website First Data Corporation
1989
$1+ billion
10,000 - 25,000
10,000+
90
M
Estarstation.com, valuelink.biz

Mobile Processing,
Credit Card Processing,
Payment Gateway,
Multi-Currency Processing

93
93
95
92
94
93.4%
NC
 Rate this company
View Profile Is this your profile? Update Now
First Data Corporation First Data Corporation
Talk to a Representative: 1 (404) 890-2000
Service Offerings:
Key Facts For First Data Corporation
  • Major Clients:
    Estarstation.com, valuelink.biz
  • Year Founded:
    1989
  • Fulltime Employees:
    10,000 - 25,000
  • Active Clients:
    10,000+
  • Revenue:
    $1+ billion
  • Client Retention Rate:
    90
  • Pricing:
    M
  • Website:
    www.firstdata.com
Request A Quote
Reviews (1)
Leave a Review
Negative Review 1 Reviews
Anonymous

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

9
Strategic Merchant Solutions Westlake Village, California
2 Reviews Write A Review
Matthew Litberg
888-614-6300
Visit Website Strategic Merchant Solutions
2003
Est. $1 million
1 - 10
1,000+
98
M
Burke Williams, Cliffside Malibu, Florida Tile, Stonefire Grill, Hilton Hotels

Credit Card Processing,
Merchant Processing,
ACH Processing,
High Risk Processing

91
93
94
93
94
93%
NC
 Rate this company
View Profile Is this your profile? Update Now
Strategic Merchant Solutions Strategic Merchant Solutions
Talk to a Representative: 888-614-6300
Service Offerings:
Key Facts For Strategic Merchant Soluti...
  • Major Clients:
    Burke Williams, Cliffside Malibu, Florida...
  • Year Founded:
    2003
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    1,000+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.strategicmerchant.com
Request A Quote
Reviews (2)
Leave a Review
Negative Review 1 Reviews
Anonymous
Negative Review
Anonymous

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

10
Easy Pay Direct Austin, Texas
Write A Review
Roger Clemente
800-805-4949
Visit Website Easy Pay Direct
2012
$20 million - $50 million
10 - 50
5000+
99
M
Tony Robbins, Dean Graziosi, Grant Cardone, Jeff Walker, Frank Kern, John Assaraf and more

High Ticket,
Online Credit Card Processing,
Payment Gateway,
CBD Processing

96
98
97
100
97
97.6%
NC
 Rate this company
View Profile Is this your profile? Update Now
Easy Pay Direct Easy Pay Direct
Talk to a Representative: 800-805-4949
Service Offerings:
Key Facts For Easy Pay Direct
  • Major Clients:
    Tony Robbins, Dean Graziosi, Grant Cardone...
  • Year Founded:
    2012
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    5000+
  • Revenue:
    $20 million - $50 million
  • Client Retention Rate:
    99
  • Pricing:
    M
  • Website:
    www.easypaydirect.com
Request A Quote
Reviews (0)
Leave a Review
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Competitive Rates

Reliability

Security

Fraud Detection

Customer Support

Evaluation Criteria: Best High Risk Processing for Bad Credit
Competitive Rates
Reliability
Security
Fraud Detection
Customer Support
 
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Best High Risk Merchant Account Providers for Bad Credit
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