We don't just open merchant accounts — we arm your high-risk merchant processing business with faster
approvals, from no cost to low cost
processing, and dedicated support that turns payment headaches into competitive advantages.
After first walking in the shoes as a high risk
merchant 25 years ago, we can truly say we've been there and done that. We've been through it all and now
specialize in personalized payment rails for high-compliance
businesses — delivering fast, secure, and effective merchant services you can count on.
Stripe, Square, or PayPal pulled the rug — froze your funds, killed your account, and left you scrambling to make payroll. All with zero warning.
Your processor's "competitive rate" turns into a mystery bill every month. Interchange markups, PCI fees, batch fees — death by a thousand cuts. Your current processor buries fees in the fine print -- you never know what you'll actually pay.
Your application has been "under review" for weeks. Meanwhile your competitors are processing and you're losing revenue every single day. PLUS you've been waiting forever for an underwriter to approve your merchant account application. Forget About It.
Every dispute costs you the sale, a penalty fee, and a hit to your rep. Without real fraud tools, you're bleeding money on preventable chargebacks. No chargeback management, zero fraud screening, and you're left holding the bag every time. Forget About It.
Banks won't lend to your industry. You've got revenue, you've got demand — but no one will give you the capital to expand when you need it most. You need fast funding without the high factor rate and red tape.
Your register doesn't talk to your website. Inventory is a spreadsheet. Customers expect tap-to-pay and you're still swiping cards from 2015. Your payment systems are clunky, disconnected, and can't keep up with modern customer expectations. They don't help you accept Crypto - Forget About It.
From payment processing to business funding — everything you need under one
roof.
We build the payment infrastructure that lets you focus on what you do best — running
your business. Processing, funding, compliance, and fraud protection, all from one partner who actually knows
your industry.
Card acceptance solutions for you to accept major card brands with competitive rates and transparent pricing — no hidden fees.
Low-cost bank-to-bank transfers for recurring billing, B2B transactions, and large-value payments.
State-of-the-art point-of-sale systems with integrated inventory management, online ordering, and real-time syncing.
Advanced fraud screening, chargeback alerts, and dispute management to protect your revenue and reputation.
Process cross-border transactions in multiple currencies with built-in compliance and competitive FX rates.
Simple API integration with all major eCommerce platforms — Shopify, WooCommerce, custom builds, and more.
From application to your first transaction — we make it effortless.
Fill out our simple application form with your business details and processing history. Takes less than 10 minutes.
Our underwriting team reviews your application and assesses regulatory compliance. Approval within 1–2 business days.
Our technical team integrates your payment systems — POS, eCommerce, or custom platforms via simple API setup.
You're live. Accept payments and monitor everything in real-time through your LeisurePay dashboard.
These aren't side projects for us — they're our entire focus. We maintain dedicated banking relationships for every industry we serve, so your processing stays stable while your business scales.
Compliant processing for dispensaries, online CBD stores, and the entire cannabis supply chain — from seed to sale.
Reliable transactions for kratom and supplement businesses navigating regulatory scrutiny and higher chargeback rates.
Specialized crypto payment processing that handles complex transactions while maintaining regulatory compliance.
Discrete, compliant merchant accounts for firearms dealers, ammunition retailers, and related businesses.
High-volume transaction processing with robust fraud prevention for iGaming, online casinos, and sports betting.
Payment solutions for subscription services, nutraceuticals, travel, and other high-risk online businesses.
Need capital to grow but banks won't lend to your industry? Our Merchant Cash Advance program gives you
fast, flexible funding based on your future sales — no collateral required, no long waiting periods.
Your industry makes bankers nervous. It doesn't make us nervous. Our Merchant Cash Advance deploys $10K–$2M
based on your revenue — not your credit score, not your industry's reputation, and not the mood of a loan
officer. This is the capital that lets you slingshot past the competition.
Skip the months-long bank process. We move fast so your business can too. Get funded in as little as 4 to 24 hours after approval.
Pay back a small percentage of daily sales — when you earn more, you pay more. When things slow down, so do payments.
Transparent factor rates starting at 1.2 — we'll never hide costs in the fine print. Pay substantially less than other providers.
Your future receivables are the security. No liens on your property or personal assets.
We work directly with banking partners — no middlemen, no surprises. This means faster approvals and better
rates for your business.
No middlemen inflating your costs. We work directly with acquiring banks that understand your industry —
meaning faster approvals, better rates, and an account that doesn't get shut down when volume spikes.
Underwriting approvals are typically within 1–5 business days. Complete your application with KYC
documentation and we'll handle the
rest.
We've streamlined the entire process to get you approved and processing as quickly as possible. Submit your
application and we'll get to work immediately. We work differently by asking the questions needed to fully
satisfy the bank, so no questions get asked later down the line.
Your dedicated payment specialist handles all past, current, and future payment needs. We become an
extension of your team.
A real human who knows your business by name, picks up on the first ring, and
handles everything from
chargebacks to gateway config. We're not a ticketing system — we're an extension of your team.
No hidden charges. We customize pricing to your business model with competitive rates you can see and
understand.
Every basis point accounted for. We structure pricing around your actual business model —
not a
one-size-fits-all rate card designed to maximize processor profit at your expense.
256-bit encryption, PCI DSS Level 1 compliance, and real-time fraud monitoring that catches threats before they become chargebacks. Your customers' data stays locked down and your revenue stays protected.
"After getting shut down by PayPal and Square, LeisurePay got us approved in 48 hours. Been processing with them for over a year without a single issue."
"The MCA funding saved my business. I needed capital to open a second location and LeisurePay got me $150K in two days. The repayment structure is fair and predictable."
"Their POS integration with our online ordering system was seamless. Our customers love the checkout experience and our chargebacks dropped 60%."
A high-risk merchant account is a payment service designed for businesses that traditional processors consider too risky. It lets you accept credit and debit card payments even if your industry has higher chargebacks, regulatory complexity, or elevated fraud risk. Think of it as the VIP lane for businesses that standard processors won't touch.
Businesses in industries with elevated financial or legal risks — including CBD & cannabis, online gaming, forex & crypto, firearms, travel, subscription services, nutraceuticals, and adult entertainment. If Stripe, Square, or PayPal has ever shut you down, you likely need one.
Short answer: no. These platforms exclude most high-risk industries and can freeze your funds or terminate your account without warning. A dedicated high-risk processor like LeisurePay provides stable, compliant processing with banking relationships built specifically for your industry.
Most applications are reviewed and approved within 1–2 business days. Complex cases may take a bit longer. We actually underwrite every application — which means we protect you from being placed on a shaky processing network.
Fees vary based on your industry, risk factors, and transaction volumes. We customize pricing to align with your business model and offer competitive rates with zero hidden charges. Contact us for a personalized quote.
An MCA is a lump sum of capital provided to your business in exchange for a percentage of future sales. It's not a loan — there's no fixed monthly payment. Instead, you repay through a small daily percentage of your revenue. When business is slower, your payments decrease automatically.
Yes to both. We support ACH transfers with full NACHA compliance and fraud screening. We also support international payment processing with multi-currency support to help expand your market reach.
Typically: a valid government-issued ID, business license, tax documentation or EIN, 3–6 months of bank statements, previous processing history, website and product details, and copies of your refund/privacy policies.
Whether you're a single-location shop or an eCommerce operation doing seven figures — we build the payment infrastructure that turns high-risk into high reward. Lower fees, faster funding, and a partner who actually picks up the phone.