Bad Credit Merchant Account Providers

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

Bad business credit or poor personal credit scores can be enough of a headache for business owners without the added roadblock of getting rejected for a merchant account due to their credit problems. The unfortunate truth, though, is that many major merchant services providers are hesitant to take on merchants with bad credit, often perceiving them to be too high of a risk for chargebacks and fraud. Credit problems can make starting or running a business very difficult for merchants who don’t know how to get a merchant account due to bad credit.

The good news is that some credit card processors specialize in bad credit merchant services, which means that they’re willing to take on merchants with low credit scores under certain conditions. In these cases, bad credit merchant accounts are more or less treated as high risk merchant accounts, meaning they may be subject to higher processing fees or more stringent cash reserve policies. Although this may seem like a “last resort” situation for merchants, the truth is that some merchants may benefit from working with processors who are accustomed to supplying merchant services for businesses with low credit scores.

We have compiled a list of the top bad credit merchant account providers below. Most of these providers offer poor credit merchant accounts as an extension of their high risk merchant account programs. As always, the best way to secure competitive rates for your business is to contact a few of the companies below and compare quotes and services.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers

eMerchantBroker is a Los Angeles-based e-commerce merchant provider that specializes in high risk processing services, including businesses with poor credit. The company’s services include an online payment gateway, ACH processing, merchant cash advance, and a chargeback dispute resolution system that helps merchants challenge chargebacks in a timely and effective manner. The company advertises that it is able to place merchants with poor credit histories, prior bankruptcies, and tax liens out on their businesses.

eMerchantBroker offers custom pricing for each merchant and enjoys a clean complaint record across all third-party review sites. The company currently maintains an “A” rating on and an “A+” with the BBB.

For more information, see the Easy Pay Direct website or call (888) 316-7549.


Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for merchants who have poor credit scores.

PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”

For more information, visit the PaymentCloud website or call (888) 506-7859.

Host Merchant Services

Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers interchange-plus pricing with no early termination fees to all of its merchants, meaning that users will enjoy the most transparent pricing model and can cancel service without penalty. The BBB gives Host an “A+” rating, and CPO also gives the company an “A+.”

The company provides a customized pricing option for its bad credit merchant accounts, which means that the terms of each contract will depend on the merchant’s specific business type, size, and time in business. However, Payline regularly receives positive reviews regarding its pricing and customer service. Our review of Payline Data awards the company an overall rating of “A+,” while the BBB gives Payline a score of “A” due to two complaints having been filed in the last three years.

For more information, see the Payline Data website or call (888) 506-7812.

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.

Durango Merchant Services

Based in Durango, Colorado, Durango Merchant Services offers traditional credit card processing and high risk payment processing for businesses with bad credit. The company, which was founded in 1999, provides credit and debit payments, e-commerce solutions, payment gateways, offshore banking partnerships, and eCheck processing services to high risk merchants, TMF businesses, and merchants with low credit scores.

Durango customizes its pricing for bad credit merchants depending on each merchant’s business type and processing history. The company regularly receives positive feedback regarding its sales and support staff and does not have any recent public complaints in the usual consumer protection forums. Our review of Durango Merchant Services awards the company an “A+” rating at this time, and the BBB is currently granting the company an “A+” grade.

For more information, see the Durango Merchant Service website or call (888) 316-1897.

Vantage Payments

Based in Scottsdale, Arizona, Vantage Payments is a merchant account provider that can provide both domestic and offshore merchant accounts for high risk merchant types including merchants with poor credit. The company’s products and services include remote deposit capture, European direct debit, call center services, multi-currency support, web design, and SEO assistance. Vantage Payments currently has a clean complaint record across all review websites, which is an impressive feat for a company specializing in offshore merchant accounts. Our review of Vantage gives the company an “A” rating at this time, while the BBB gives Vantage an “A+.”

For more information, see the Vantage Payments website or call (888) 582-4903.

BankCard Central

Based in Kansas City, Missouri, BankCard Central is a general payment processor that is also able to serve high risk merchant types. The company’s products and services include a secure online payment gateway, recurring billing, customer validation, check acceptance, merchant cash advance, web hosting, SSL certification, and web marketing tools. The company advertises that it is able to assist businesses with “less than good” credit.

BankCard Central has a very low complaint volume relative to its merchant portfolio and time in business. The company currently has an “A” rating with and an “A+” rating with the BBB.

If your business offers bad credit merchant services, please leave a comment in the comment section below or contact us through our contact page in order to get listed in this article.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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1 Review Leave Your Review Below

  1. It has been very hard for me to get a merchant bank to process my credit card orders from clients. I am in direct marketting industry for over 30 years . I just want to use credit cards to pay for mailing lists we sell.

    It has been gphard everyone says we are high risk.

    We are small, but we treat all,our client s well and have a bpnice following my credit is fair have no bankruptcy, no tax liens etc have a valid corporation with web site ,

    All I want is to be able to take credit cards in payment

    Who is a good company for me to go to and will give me a opportunity to show. Our quality I am even willing to,pay a little more in beginning even set up a cash back account to hold some funds aside etc

    Please can you recommend a few or even a person I can go to, pay a fee, to get me a merchant processor

    Thanks so much
    Richard Bennett [email protected]

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