Credit Card Processing for Payday Loan Merchants

High Risk Merchant Services for Your Payday Lending Business

You’re in good hands with our high risk merchant account experts.

We specialize in high risk payment processing and take the time to get to know your business, so you can be confident in your merchant services, no matter your business type:

  • Short term lenders

  • Brick-and-mortar payday lenders

  • Cash advance merchants

  • Other alternative financial services

Start Processing Payments Today

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Why Payday Lenders are Considered High Risk

Payday lending and other short-term lending programs are a necessary and valuable service for consumers needing to make ends meet, but that doesn’t stop banks from classifying these businesses as high-risk for a variety of reasons, including:

  • Highly regulated industry involving consumer financial protection laws and restrictions
  • Banks are wary of the industry’s clientele, who may have bad credit and a history of damaging financial decisions, which can lead to non-payment, transaction disputes and more
  • Banks are also cautious due to the numerous Consumer Financial Protection Bureau lawsuits against bad players in the industry, despite the legitimate businesses in the industry
Find a Payment Processor that Understands Payday Lending

Many payday businesses have been refused merchant services for being considered high risk, which is why you need a payment processor that specializes in high risk merchant services. We work with payday lenders to provide services unique to your needs, including:

  • Check services
  • ACH
  • PIN debit
  • Merchant cash advances
  • Recurring billing
  • High volume payment solutions

Get approved for a payday loan business merchant account and take your business to the next level. Fill out the form and we'll follow up within two business days with next steps.


We've Got You Covered


Servicing customers and clients wherever they find you.

  • In-Store
  • Online
  • Mobile
  • Integrated


Full customization and control to meet your unique business needs.

  • Equipment/POS
  • ACH Processing
  • Integration
  • Surcharge/Cash Discount Processing
  • Gift Cards & Loyalty Programs
  • Check & eCheck Processing


Specialties that make us a one-stop shop for merchant services.

  • High Risk Processing
  • Capital
  • ATM
  • EBT

Start Processing Payments Today

Get Started   Contact Sales >