Payday Lender Merchant Account

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We specialize in Payday Loan Merchant Accounts and payday lending merchant accounts. We approve practically every business type, even if you have been turned down for payment processing.With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you  Apply Today

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High Risk Merchant Account LLC can approve payday loan merchant accounts for payday lenders. The payday lending space came under scrutiny during the previous administrations operation chokepoint, trying to destroy this industry, since then the industry stands stronger than ever. If you are in the payday loan space, we can assist you with payment processing. We specialize in the high risk credit card processing space and can provide your business the merchant services it deserves. Give us a call to discuss your needs.

We Approve:

  • Brick & Mortar Payday Lenders
  • Ecommerce Payday Loans
  • Cash Advance Centers
  • Tribal Payday Lenders
  • Title Loan & Short-Term Lending

What Is A Payday Loan Merchant Account:

A payday loan merchant account provides short term lenders, such as payday loan stores and auto title loan store the ability to process credit cards, debit cards, and high risk ach processing. Lenders typically require payment processing for the billing of payments on short term loans. An automated recurring payment option is a perfect solution to automate pre-arranged amounts on an agreed schedule. Give our expert staff a call to discuss your billing needs. With decades of experience we can tailor the perfect solutions for your operation.

Who Needs Payday Lending Merchant Accounts:

After the failed attempt of operation chokepoint, the payday loan industry is stronger than ever. Servicing the un-bankable segment of our society, the industry is actually providing a much needed service to millions of American Households who experience short term cashflow problems with nowhere to turn. According to the Community Financial Services Association of America, payday advance locations across the United States extend about $38.5 billion in short-term credit to millions of working Americans. For many, access to a payday loan has proven to be, in more ways than one, a short term “life preserver” to help get through a financially trying time. Unforeseen emergencies and/or circumstances can have a profound effect on a person’s ability to respond in an appropriate manner. For example, a medical emergency has the potential to grind your week to an absolute and crippling halt because of unforeseen costs that are outside your reach. A payday loan gives the customer access to a lump sum of money to relieve some of the burden brought upon them by the surprise costs. This is where a payday loan service can make all the difference for someone in need of a short-term loan.

Offering short term loans does come with its risks. Because of the nature of the industry, there comes a higher level of risk. Taking out a payday loan, typically precludes the premise that the applicant is in need of money because the do not have enough to pay what they need to pay. This heightens the risk associated with accepting payments from said customers. Traditional banks tend to avoid providing merchant services to industries that have higher than normal risks. This is where a high risk credit card processing can help.

Taking steps to avoid chargebacks and fraud will be of paramount importance when having a merchant account. This will ensure that your account stays in positive light and you are able to continue processing credit and debit charges. The benefits of being able to process cards and electronic payments will consistently outweigh the hurdles you must undertake to avoid chargebacks. Your business will have access to customers requiring payday loans from all corners of the country. This creates limitless possibilities for a business determined to grow and expand into new markets. Speak with one of our merchant account experts to better understand how High Risk Merchant Account LLC can help your payday loan business.

Multiple Payment Platforms:

Our merchant payment processing platforms include multiple choices for document preparation operations. Including both telemarketing solutions and secure ecommerce check-out within shopping carts. If you are running a call center for customer service, you may want to consider CRM integration directly into your phone system or payment screens throughout your call room. Online merchants can integrate directly into the shopping cart of choice with our gateway solutions. Our experience staff can devise an individual plan to meet your specific business operations.

  • Full CRM Payment Integration
  • Payment Gateway Integration
  • Cloud Based Virtual Terminals

Our Benefits:

  • Secure SSL Online Application offers secure submission
  • Payment Processing Solutions, include CRM & Ecommerce Solutions
  • Personal Account Managers to expedite the approval process.
  • Diversified Acquirers with appetites for the payday loan space.
  • Fast Approvals With 99% Approved

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios and exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses. We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of your credit card processing needs.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly. Call us immediately to get on the fast track for a payday loan merchant account approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!     Apply Online Today