INDUSTRIES
High-Risk Payment Processing
Specialized solutions for businesses traditional processors avoid.
At AerPay, we help high-risk businesses accept payments with confidence. When banks and standard processors say no, we say let’s do it the right way. Our high-risk payment processing solutions are built to deliver stability, compliance, and reliability—so you can focus on growing your business instead of worrying about shutdowns or funding holds.
Making Payments a Not-So-Risky Business
Operating a high-risk business comes with challenges—especially when it comes to getting approved for payment processing. Many providers impose excessive fees, delay approvals, or shut down accounts without warning.
AerPay specializes in secure, compliant payment solutions for high-risk industries, helping businesses get approved faster and process payments without unnecessary disruption.
Turn Card Fees Into a
Competitive Advantage
Credit card processing shouldn’t eat into your margins. AerPay’s fee-free processing solutions — including compliant Dual Pricing (card & cash pricing) — are designed to help businesses offset rising card costs without raising prices across the board. We focus on transparency, customer choice, and clear pricing at the point of sale, so you can protect profit while maintaining trust.
Whether you process high volume, high tickets, or everyday transactions, our structured approach helps you keep more of every sale — without hidden fees or surprises.
What Defines a High-Risk Business?
Certain industries are classified as high-risk due to factors like regulatory oversight, higher chargeback exposure, or the nature of the products or services offered. Common high-risk categories include:
CBD & Hemp Products
Gambling & Gaming Establishments
Nutraceuticals & Supplements
Adult Entertainment
Travel Services
High-Volume eCommerce
Vaping & Tobacco Products
Debt Collection Services
CBD Payments Made Simple
CBD merchants face unique challenges when it comes to payment processing. Because CBD is classified as a high-risk industry, many banks and processors decline accounts or impose sudden holds and shutdowns.
AerPay specializes in CBD-friendly merchant accounts, giving you stable, secure payment processing designed to meet the realities of your business.
Why Choose AerPay for High-Risk Processing?
Proven Industry Experience
AerPay understands the complexities of high-risk payment environments. Our team works with acquiring partners that specialize in these industries, ensuring transactions are processed securely and in compliance with applicable regulations.
Fast, Practical Approvals
Stop wasting time with banks that don’t understand your business. AerPay’s streamlined underwriting process helps high-risk merchants get approved faster—without unnecessary roadblocks.
Seamless Integration
AerPay integrates smoothly with your existing eCommerce platforms, POS systems, and business software—making it easy to start processing without disrupting your operations.
Secure & Reliable Processing
High-risk businesses are more exposed to fraud and chargebacks. AerPay provides:
All designed to protect your business and your customers.
Full-Featured Payment Technology
AerPay supports everything from a simple card terminal to a full POS business management system—all with built-in dual pricing support to help protect your margins.
Payment Security
Built for Compliance & Security
CBD payment processing requires strict adherence to evolving regulations. AerPay solutions are designed with compliance in mind—helping your business meet legal and card-brand requirements while protecting sensitive data.
PCI-Compliant Processing
All transactions are encrypted, tokenized, and processed through PCI-compliant gateways—keeping sensitive card data protected at every step.
Point-to-Point Encryption
Card data is encrypted the moment a card is tapped, dipped, or swiped, preventing unauthorized access before it ever reaches your system.
Payment Tokenization
Sensitive card details are replaced with unique tokens, making stored data useless to hackers. This is especially important for recurring billing and cards-on-file transactions.
EMV Chip Technology
EMV-enabled terminals reduce counterfeit fraud and lower chargeback risk by using secure authentication methods at the point of sale.
Fraud Prevention
Real-time fraud monitoring, Address Verification Service (AVS), and CVV authentication work together to stop unauthorized transactions before they happen.
Online Payment Security
Hosted checkout pages, virtual terminals, and mobile solutions are SSL-secured, ensuring customer data is encrypted during online and remote transactions.
If your business is labeled “high-risk,” you need a payments partner that understands why.
Let AerPay help you process payments with confidence.
