High-Risk Merchant Account Payment Processing

Our all-in-one payment gateway solution helps your high-risk business process payments, approve loans, deliver instant funding, and issue eChecks quickly and easily. Say goodbye to high reserve requirements and steep escrow fees to unlock greater profit margins that help you transcend your competitors.

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Get a FREE quote today to find out how much you could be saving with Transcend Pay.

    No reserve requirements. No hidden fees. No deceptive contracts. No limits.


    The Right Financial Partners Make All the Difference

    At Transcend Pay, we understand that having access to the right banks and financial institutions can transform your business and unleash your full potential. That's why we've worked hard to create an "insiders only" banking network that connects our customers with the right banks to help us meet their needs.

    Thanks to those relationships, we're able to offer flexible payment processing services with no reserve requirements, no escrow requirements, and low transaction fees, even for high-risk merchant accounts. Let us handle the behind the scenes work to connect you to the right lenders so you can keep your attention on growing your business.

    We've got your back.

    See Our Platform Features → Our Services →

    Same Day Pre-Approval

    Our innovative payment processing technology makes collecting payments and accessing funding for your high-risk merchant account easier than ever, allowing you to focus on serving your customers and building your business.

    High-Risk Business? We've Got Your Back!

    We work with a diversified network of banks and financial institutions to provide merchant payment processing services with no-reserve/no escrow requirements and minimal transaction fees. Our technology solutions allow you to integrate our revolutionary payment gateway into your existing infrastructure to streamline your payment processing.

    Whether you're a newly formed startup ready to begin collecting payments, an established corporation looking for greater flexibility and transparency in your payment processing, or a high-risk business trying to set up a high-risk merchant account without paying crippling fees, Transcend Pay has the tools and expertise to help.

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    Our All-In-One Payment Processing Platform

    We get you approved where others can't.

    Whether you need to empower your existing high-risk merchant account or implement a brand new payment processing solution, Transcend Pay has the payment gateway technology to take your business to the next level. We have exclusive banks with pre-negotiated low rates to save your high-risk merchant account thousands of dollars in payment processing fees.

    Learn More About Our Platform

    Get Started Today

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    Transcend Pay Platform

    Use our standalone payment platform to handle all of your processing needs for high-risk merchant accounts. Our streamlined merchant gateway makes collecting payments faster and easier than ever when it comes to eCheck payment processing, ACH payment processing, cash processing, and credit card payment processing.

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    Transcend Pay API

    Not ready to implement an all-in-one merchant gateway solution or need to add payment processing features to support your high-risk business? Our robust API allows your developers to integrate a specialized payments gateway into your existing platform that is catered to the specific needs of your business.

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    Need a fast, easy-to-implement solution that allows your website to start taking online payments today? Our revolutionary Tpay technology installs on your site in seven minutes or less to facilitate eCheck payment processing, ACH payment processing, debit card payment processing, and online credit card payment processing for your high-risk merchant account.

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    Tboards and Tview Reports

    Every one of our payment processing solutions gives you access to real-time data about your portfolio to track performance and cashflow. Our clear and transparent reporting allows you to monitor your transactions at every point in the payment process.

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    Mobile Processing Technology

    Transcend Pay's mobile technology, Klever, makes building a secure, convenient, and scalable branded payment processing for your business easier than ever before!

    Mobile Processing Features of the Klever App

    The Klever app enables you to access our payment processing services from your cell phone—at any time and from any location! You'll be able to quickly disburse funds and collect payments through one easy-to-use platform. Plus, as a customizable technology, our mobile app can be branded with your company name, empowering you to build lasting, trust-filled relationships with your customers. Our mobile processing features provide:

    • Full integration with your CRM and ACH systems.
    • 99% approval rate of high-risk merchant accounts.
    • No credit card account required for your customers.
    • The ability to apply data to help mitigate future risks and identify opportunities for growth.
    • Same-day pre-approvals.
    • And more!

    Request a Demo Today!

    Learn more About Our Mobile Lending App

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    Our Payment Processing Services

    Every one of our merchant gateway solutions for low-risk and high-risk merchant accounts allows you to take full control of your payment ecosystem.

  • ACH Processing
  • ACH Processing

    We offer simple, safe, and speedy electronic ACH credits and debits directly to and from your customers' bank accounts

    • No reserves needed
    • Establish late cut-off times
    • Set up single and reoccurring payments
    • Pay bills easily
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  • Instant Funding
  • Instant Funding

    The days of waiting for settlement and access to funds are over. Instantly deliver funds to any debit card or prepaid card.

    • 24/7/365 service
    • Real-time access your funds
    • Fast and reliable
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  • E-Check Processing
  • E-Check Processing

    With our innovative Check 21 services, you can offer your customers alternative payment solutions that are not subject to ACH thresholds.

    • No reserves needed
    • No junk fees or discount rates
    • Accept more payments
    • Bypass NACHA requirements
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  • Credit/Debit
  • Credit and Debit Card Processing

    Improve your collections by easily accepting Visa/ Mastercard debit and credit card payments in real-time.

    • Increase cash flow
    • Convenient payments
    • Immediate processing
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  • Instant Banking
  • Instant Banking Verification

    Our revolutionary payment processing technology allows you to conduct funding source verification quickly and easily for both low-risk merchant accounts and high-risk merchant accounts.

    • Get a complete overview of an account within seconds.
    • Validate that accounts are open and in good standing. 
    • and more!
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  • Merchant Payment Gateway
  • Merchant Payment Gateway Processing

    Whether you're using our dedicated merchant gateway portal, integrating your existing payment system with our robust API, or installing the Tpay portal on your website, Transcend Pay has the merchant payment gateway solutions to make your payment processing easier than ever.

    • No reserve requirements. 
    • No hidden processing fees.
    • Minimize risk with our extensive banking network.
    • and more!
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    Easy Site Integrations with Tpay

    You could be accepting payments on your website right now with our innovative Tpay software. Tpay installs in seven minutes or less to integrate your website with our revolutionary payment gateway.

    Sign up today for a quote and get a glimpse of life without payment processing headaches!

    Request a Quote


    Merchant Gateway Success Stories

    With our payment processing technology, collecting payments is easier than ever. We provide payment gateway solutions for both low-risk merchant accounts and high-risk merchant accounts. Learn more about how our payment processing services have helped our clients transcend the competition.

    A Company You Can Trust

    There are many options out there, but Transcend Pay was by far the best option for us. We were starting a new portfolio and their competitive pricing, no reserve/no minimum policies made a big difference. Their customer service is fantastic, but most importantly, it's a company you can trust.

    David Tribal Lending Enterprise

    Elevating Our Company

    Transcendpay has elevated our company to a new level. We've been looking forever, trying to get another bank account. Transcendpay was able to find us one and set us up with an ACH processor that doesn't require a reserve, can do same day funding, and has no state limitations on processing . Their rates are super low as well.

    Don S Fat Money

    The Team Goes the Extra Mile

    I can't say enough positive things about Transcend Pay. They beat all other platforms hands down. Transcend provided personalized service and understanding of our needs and was a huge advocate during the approval process. The pricing and platform functionality are far superior to . what we had currently and others we researched. In addition, the Transcend team goes the extra mile. They know the industry well and provide connections, networking and solutions beyond their own core offerings. Bottom line they help you be more successful in all aspects of the business. I recommend Transcend pay to anyone in the industry.

    Scott CEO, SB Financial Corp.

    Make Payments Easy With a High-Risk Merchant Account

    The right financial partner helps make all the difference. When you don't have to worry about reserve requirements and steep escrow fees, you can finally make payment collection work for you and your business.

    But while we've strived to make our service easy to use for just about anyone, we understand that some people may have questions. Here are some common questions that our customers ask us; if you have a concern that isn't addressed here, feel free to contact us.

    How can my business qualify for a high-risk merchant account?

    Here at Transcend Pay, we make it easy for any business to qualify for a regular or high-risk merchant account. Our high approval rates and vast experience means that we can help you get approved for the ACH and merchant accounts that you need to run your business, even if you're in a high-risk industry. Apply now to get started.

    What payment types can I accept with a high-risk merchant account?

    Once we help you get your high-risk merchant account, you'll be able to accept ACH, debit cards, credit cards and e-checks. Whether you collect payments in person, over the phone, online or on-the-go, you'll have many ways to accept payments with the Transcend Pay system.

    What does payment processing cost?

    Since the costs associated with payment processing can vary wildly, it can be difficult to estimate costs up front. However, prior to engaging our services, we will provide you with a Schedule A of all associated fees so that you can make the right decision before you sign up for anything.

    When can I start accepting payments?

    Many of our customers can start accepting payments in as little as a few business days. The actual timeline depends on whether you choose to utilize our payment plug-in or direct API access, but unlike other services where you may have to wait weeks, Transcend Pay can have you up and collecting payments in just days after the signed merchant application goes through. Once approved, you can start processing immediately via the virtual terminal or your existing software solution.

    How long does it take for funds to be deposited into my account?

    Both regular and high-risk merchant accounts typically take one day for card processing and three days for ACH payments (due to the three-day hold period).

    Will I be charged setup fees by the bank for a high-risk merchant account?

    Neither Transcend Pay nor our partner banks charge any setup fees for a high-risk merchant account. If one of your financial partners is charging you setup fees, please get in touch as we may be able to help you find a better bank or avoid the fees altogether.

    What are interchange fees and how can I avoid them?

    Unfortunately, interchange fees are charged directly by banks and card brands such as Visa, MasterCard, American Express and Discover. These fees are set by the card issuer, and cannot be negotiated or reduced -- all credit card processors have to pay these fees.

    What transaction fees will I be charged with my high-risk merchant account?

    In general, transaction fees are defined by the acquiring bank as a cost for processing the transaction. Each bank has a slightly different fee, but we'll disclose them all up front in our Schedule A of fees that we provide to you. In addition to a simple transaction fee, other fees such as refund fees, chargeback fees, retrieval fees and fraud-scrubbing fees may also apply with your high-risk merchant account.

    What if we need help with processing or our merchant account?

    If you ever need us, we've got your back. Feel free to reach out to our knowledgeable customer service team via our website, email, phone or video chat for any account-related issues. Our goal is to resolve any issue as quickly or efficiently as possible, getting you back up and running and avoiding any downtime.

    What types of industries or businesses do you work with?

    Transcend Pay works with any legal business or industry in the U.S. Our specialty is high-risk merchant accounts, but we'll work with any company to help them obtain the payment processing services that they need to continue to do business. Even if we need to help gather data on your business to provide relevant information during the approval process, our goal is to find the ideal solution for your business and industry.

    Is your payment gateway secure?

    Our payment platforms are secure and meet all of the necessary requirements for data security and integrity. We know payment collection is a sensitive thing, and that's why we take your business' payment security very seriously.

    I'm in a high-risk industry. Do you require an escrow account or a security deposit?

    High-risk merchant accounts are our bread and butter. The best thing is that we've streamlined our process so that you won't have to get or utilize a tricky escrow account or dump a small fortune into a security deposit. Both Transcend Pay and our banking partners won't ever require you to jump through unnecessary hoops.

    How can I accept credit card payments online?

    Signing up with Transcend Pay means you're just about ready to start accepting credit card payments online. Once your application has been approved, just plug-in our easy payment script to start accepting payments immediately -- or use our virtual terminal to collect payments from any internet-enabled device.

    What kind of reporting do you offer?

    Whether you're looking for a high-risk merchant account or you just want an easier way to accept payments online, Transcend Pay features a suite of reporting tools that make it easy for anyone to manage their payments. Review and reconcile daily batches or check out transaction details, conduct detailed searches and view your monthly statements all from the Transcend Pay platform.

    What if I'm not at a terminal? Can I still collect payments?

    Thanks to Transcend Pay's virtual terminal, you can process payments from any device with an internet connection, such as a PC, tablet or mobile phone. That gives you even more ways to collect money -- even when you're on the go.

    Can customers pay with their mobile phones?

    With Transcend Pay, anyone can send a payment to your high-risk merchant account right from their mobile phone. You'll get a white-label mobile application branded with your name and imagery backed by the Transcend Pay platform and our payment processing infrastructure.

    Take Your Payment Processing to the Next Level

    We're ready to help your business transcend the competition when it comes to payment processing.

    Experience the Latest in Mobile Payment Processing with the Klever App!

    The future is here with Klever, Transcend Pay's revolutionary mobile lending app! Instantly transfer funds and accept payments from anywhere, anytime, from the convenience of your mobile device. Get Klever today with a free demo!