Vice Pay places high-risk merchants with the right acquiring bank — fast approvals, chargeback protection, and processing that won't get pulled out from under you.
Backed by a network of 12+ banking & processor partners — we shop your file to get you approved.
If you've been declined, dropped, or quoted sky-high reserves, you're in the right place. These are the verticals we place every day.
Vitamins, nootropics, weight-loss, continuity
Devices, e-liquid, smoke & accessory shops
FFL dealers, ammo, tactical & accessories
Casinos, sportsbook, sweepstakes, skill games
Content, novelties, cam & dating platforms
Exchanges, on-ramps, ATMs, NFT platforms
Recurring billing, boxes, free-trial offers
Repair, settlement, collections services
Brokers, signals, trading education
Agencies, tours, event & ticket resale
Online clinics, Rx, GLP-1 & ED telehealth
Network marketing, biz-opp, coaching
We're not a single processor with one risk appetite. We're an ISO with a network, so we route your file to the bank most likely to say yes and keep you there.
One application, shopped across 12+ partners. We match your risk profile to the bank built for it.
Alerts, dispute tools, and prevention built in to keep your ratios — and your account — healthy.
Predictable settlement and clear reserve terms so cash flow stays something you can plan around.
We board you correctly the first time, so you're not back on the market in 90 days.
Gateways, carts, and APIs you already use — we plug into your existing stack.
A dedicated rep who knows your account — not a ticket queue, not a phone tree.
Tell us about your business and volume. Takes a few minutes, costs nothing.
We match you to the acquiring bank most likely to approve and price you fairly.
Most complete files clear within 24 hours. We handle the underwriting back-and-forth.
Integrate your gateway, start processing, and lean on us for ongoing support.
Open a high-risk merchant account. No fee to apply.
Know a business that needs to get paid? Send them our way and earn residuals when they go live.
Earn lifetime residuals on every merchant you refer. Built for business owners, sales pros, and anyone with a network.
A business is usually labeled high-risk because of its industry, its chargeback or return profile, recurring billing, high ticket sizes, or a prior processor termination. It doesn't mean you're doing anything wrong — it means mainstream processors won't take on the perceived risk. That's exactly the gap Vice Pay fills.
Most complete applications are approved within 24 hours. Complex or higher-volume accounts may take a few business days while we match you to the optimal acquiring bank.
Often, yes. We work with merchants coming off TMF/MATCH situations and elevated chargeback histories. Tell us the full story on your application so we can place you correctly.
Partners earn lifetime residual commissions on the processing volume of every merchant they refer — paid monthly for as long as the account stays active. You refer; we underwrite, onboard, support, and retain.
No. Anyone can submit a referral. If your lead becomes a Vice Pay merchant, we'll set you up to receive residuals — becoming a full partner just unlocks the dashboard and ongoing reporting.
Nothing. Applications for merchants, referrals, and the partner program are all free with no obligation. You only ever pay agreed-upon processing rates once you're live and transacting.