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First Card Payments | High Risk Merchant Accounts

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  • We offer Fast Approval & The Lowest Fees
  • All credit ratings and industries accepted
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Card Payment Solutions for Your Business

First Card Payments helps your business accept card payments quickly and securely. Our solutions are designed to improve cash flow, streamline transactions, and give your customers a convenient and trusted way to pay — all with competitive rates and dependable support.

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  • Fast approvals
  • Secure payments
  • 24/7 support

Smarter Payment Solutions

Flexible, secure, and fully integrated payment solutions designed to help your business run smoothly and grow with confidence.

Domestic Solutions

Maximize your savings and streamline your operations with our comprehensive domestic solutions. We provide reliable, cost-effective services designed to support your business locally, improve efficiency, and simplify day-to-day processes.

Chargeback Protection

Protect your business from financial losses and reputational damage with our advanced chargeback mitigation solutions. We help reduce disputes, prevent fraud-related chargebacks, and improve transaction accuracy, giving you greater control and peace of mind.

Full Integration

Simplify your operations and improve efficiency with our full integration solutions, tailored to your business needs. We connect your systems seamlessly, automate workflows, and ensure that your data flows smoothly across platforms, saving you time and reducing errors.

Our Promise

First Card Payments has built a reputation by being the best at what we do. We have relationships with over 30 different Banks and ISOs over the past 25 years. Some of these relationships are personal, directly with the Owners, Presidents, and CEOs of these companies. We pass this advantage to our customers.

Years of trusted industry experience
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  • Direct relationships with bank & ISO leaders
  • Customer-first advantage in every deal

What Our Clients Say

We’re proud to support businesses across various industries. Here’s what our clients have to say about working with us and the results we’ve helped them achieve.

Fast Approvals, Smooth Setup

"First Card Payments made the entire process quick and stress-free. We were approved faster than expected, and the onboarding was handled professionally from start to finish."
Michael Adams
Managing Director
Michael Adams

A Solution When Others Said No

"After being declined by multiple providers, First Card Payments helped us get up and running without the usual hassle. Their team understood our business and delivered exactly what we needed."
Lauren Jacobs
E-commerce Business Owner
Lauren Jacobs

Reliable Payments, Ongoing Support

"We’ve had a great experience working with First Card Payments. The system is reliable, transactions run smoothly, and their support team is always available when we need assistance."
Daniel Foster
Operations Manager
Daniel Foster

Full-Service Business Solutions

Our full-service business solutions are designed to support every part of your operation. From chargeback prevention and secure ACH processing to advanced call room solutions, Nextiva phone services, and flexible merchant cash advances, we provide the tools and support your business needs to run efficiently, stay compliant, and scale with confidence.

ACH & eCheck Payment Solutions

Simplify payments with secure ACH and eCheck processing for businesses of all sizes. Ideal for recurring billing and large transactions, this cost-effective solution offers lower fees, dependable electronic fund transfers, and improved cash flow management.

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Business Phone Services (Nextiva)

Upgrade your communication with reliable, scalable cloud-based phone systems powered by Nextiva. Enjoy advanced features, crystal-clear call quality, and potential monthly savings when you partner with us for your business phone needs.

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Call Center Solutions (Panama Call Room)

Expand your operations with professional, English-speaking call center agents representing your brand. Our team delivers dependable customer support, sales assistance, and back-office services tailored to your business.

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Switch Now and Save

Keeping our processing fees at the lowest rates possible for years is a win-win. We earn your business and you save money.

We have built a reputation for being the best at what we do, so you can focus on being the best at what you do. We have over 20 years of experience and long-standing relationships with over 30 different Banks and ISOs. Some of these relationships are personal, directly with the Owners, Presidents, and CEOs of these banks. These relationships are the advantage we give our clients.

Regulation-Ready. Our relationships and experience allow us to stay 2 steps ahead of underwriting regulations so that you experience little to no interruption in services.

Trusted Compliance. We work with you to ensure that your business is always compliant. This is First Card Payment’s promise to you!

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Payment Solutions for Every Industry

From low-risk businesses to high-risk sectors, we help you access the right payment partners. Our network ensures smooth transactions, competitive rates, and solutions designed around your business model.

Adult Services

The stigma related to the adult entertainment industry has made it difficult for businesses in this niche to operate.
Airlines

Airlines are considered a standard risk business type with high-risk tendencies which create redflags for Banks and ISOs.
Auto Transport Brokers

Auto industry companies are all considered high risk by the banks and ISOs because the risk of damage to the cargo being shipped.
Auto Warranty

Although the auto industry is considered high risk, it doesn’t mean you must pay high fees for high risk merchant services.
Bail Bondsmen

While previously a cash-only business, the bail bond industry has increasingly accepted credit cards over the last several years.
Business Consulting

High risk merchant accounts offered to business consultants and companies that offer management, marketing, operations, and finance.
CBD

A high-risk CBD merchant account may be difficult to obtain as a result of the stigma surrounding the industry and federal laws.
Coins & Collectables

Coins and collectibles websites are often considered high risk by payment processors due to the potential for fraudulent or disputed transactions.
Collection Agencies

Debt collectors and agencies that struggle with money collection can rest assured their merchant account won’t be dropped.
Continuity Subscription

Continuity subscription merchants require a high risk merchant account due to the increased potential for chargebacks and customer disputes.
Credit Repair Agencies

Credit has always been important, but even more so today as so many institutions factor credit scores into their decisions.
Debt Relief

You need an experienced merchant services provider to help you navigate various banking regulations and fight for your right to receive payment.
Document Preparation

For some credit card processing companies, this level of volatility makes it difficult for them to accept student doc prep companies.
Dropshipping

Dropshipping businesses often have a high turnover of products, longer shipping times, and fraudulent transactions that lead to chargebacks.
Educational Seminar

Coaches and online gurus can benefit from a high risk merchant account that is not taking down at random while you’re doing business.
Health & Beauty

Health and beauty businesses face issues with FDA compliance, approval, and product ingredients which put them in a high risk category.
Jewelry Sellers

Jewelry merchant accounts are in high demand thanks to online platforms like Etsy, Pinterest, Facebook, and Instagram.
MOTO

As a MOTO merchant, you rely completely on secure payment gateways, also known as virtual terminals by some.
Moving Brokers

While moving brokers don’t have their own moving vehicles or storage facilities; and therefore considered high risk by banks and ISOs.
Nutraceuticals

At any moment, the government can change nutraceutical regulations; this makes the nutraceutical industry a high risk.
Online Dating

Profits for the online dating industry are predicted to increase by over 25% during the next couple of years with no sign of slowing.
Online Pharmacy

Online pharmacy sales are poised to soar in the next few years. Position yourself now to take even a small portion of the trillion-dollar industry.
Travel Agency

If you own a travel agency, partner with a reliable merchant services provider that can offer you rates that save you and your customers money.
Ticket Brokers

Ticket brokers receive higher than usual chargebacks and customer disputes as well as changes to state or federal law at any time.

Insights & Updates

At First Card Payments it’s all about always doing what’s best for our merchants!

With over 20 years of experience, we focus on securing the best terms, providing hands-on support, and building lasting relationships so your business can thrive.

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Get Pre-Approved for Your Merchant Account