Los Angeles, California

5890 Wilshire Blvd. 90036


(818) 850-1034

Hours of Operation

7 am to 6 pm | Pacific Time

Credit Card Processing Solutions

Fast Approvals

Fast Activations

Unbeatable Prices


KJ Proweb™ is an authorized Independent Sales Organization (ISO) and premier partner representing eight of the largest payment processors, sponsoring banks, and fintechs in the world.

We’re much more than an ISO/agent. KJ Proweb™ holds white-label reseller agreements, directly oversees underwriting, and service integration on behalf of several high-risk payment processors.

With the explosive growth of eCommerce during the CoVID pandemic of 2020, the role of ISO’s has become more important than ever. According to industry statistics, 80% of merchant accounts are opened by ISO’s, with banks themselves opening only 20% of accounts.

No matter what type of business you operate, using an KJ Proweb™ makes finding the right payment processor easier than ever.

High Risk Merchant Accounts

Traditional Merchant Accounts

Every day, banks turn down online merchants that have excellent credit scores, good reputations, and solid revenue streams because they don’t have bricks-and-mortar businesses or enough assets.

Banks classify these companies as high-risk merchants because there is a greater chance that these businesses disappear or go bankrupt before they pay back their debts.

Traditional financial institutions reject merchant applications from online dating services, auction sites, eCommerce sellers of CBD oils, hemp flower, delta 8/9, e-cigarettes/vapes, cryptocurrencies, and gambling sites, adult entertainers, telemarketers, and web-hosting services. 

Cannabis, Hemp Flower & Pre-rolls

Banks turn them away their rates of failure are higher and they sell what they consider questionable products or services.

We take the risk when banks won’t. 

Fill out an online application today and get approved within 24-to-48 hours.


Accept credit cards at 0% cost.
Achieve 100% compliance.

When customers pay by credit card; whether in a retail store, an e-commerce website, from their mobile device or tablet — the seller pays 0.00% + $0.00 in transaction fees. 

Zero Cost Payment Processing™ works by passing along the transaction fees to the cardholder. College universities, telecommunications companies, public utilities and major grocery store chains have engaged in this practice for decades. 

Sell cannabis, Delta 8/9, hemp flower, kratom, and paraphernalia.

Instant Bank Direct Debit (Verde™)

Instant Bank Direct Debit (also known as Verde™) is the perfect e-commerce payment acceptance solution for sellers of medical marijuana (cannabis), kratom, kava, Delta 8/9, high THC content hemp, vapes, e-cigarettes, pipes, bongs, and paraphernalia.

Verde™ works by allowing customers to login to their personal bank account without being redirected away from the merchant's website checkout page. The buyer will choose their online banking portal from a directory of literally hundreds of US domestic banks and credit unions --- from A-to-Z.

The buyer will login into their bank account with their User ID and Password (as they have done many times in the past), verify the exact amount of the sale (click yes) and that's it. The transaction is completed. Funds settle into the merchants bank account within a few hours or the very next day. *Credit card networks are not involved.

CBD Topicals & CBD Rubs (No Edibles)

- 3.50% + $0.25 cents per transaction |
- Payment Gateway Fee: $19.99 per month |
- Guaranteed approval within 48 Hours *WAC

North American Bancard, LLC., is the nation’s sixth-largest independent acquirer, operating its own in-house underwriting team, and does not consider CBD topicals high risk merchandise. We strongly encourage merchants selling CBD-infused topical rubs, lotions, and gels to apply with North American Bancard.

CBD Oils & Tinctures, Isolate Powder, Hemp Flower & Pre-rolls

3.95% to 4.95%
$0.25 cents per transaction
Payment Gateway Fee: $19.00
No Application Fee

High Risk Payment Processing

Are you running into obstacles trying to get credit card processing because of product or service that you sell?
PaymentCloud is the leading provider of payment processing for businesses and entrepreneurs that sell products or services considered high risk.

Velocity Virtual Terminal by North American Bancard
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pci compliant checkout

  • 1. The buyer’s credit card information is safely stored inside the seller’s website dashboard to ensure PCI compliance.
  • 2. Simply log into your website store dashboard (WooCommerce, Shopify, etc.) to retrieve customer credit card information.
  • Finally, log into your separate Virtual Terminal to process the sale.

  • Sign Up For Our Virtual Terminal

    A virtual terminal gives you the ability to manually enter your customer’s credit card information into your Virtual Terminal and process the sale.

    Mail order and telephone order driven companies use virtual terminals everyday. Our Virtual Terminal plan has no application fee, no setup fees, no monthly statement fees, nor gateway fees.

    The Basic Plan charges a rate of 3.75% + $0.10¢ per transaction and a monthly payment gateway fee of *$14.95 (waived for a two month free trial period).

    Custom eCommerce Checkout Page & Credit Card Capture Form

    Customized payment capture form

    KJ ProWeb™ will produce a secure online store checkout page and credit card capture form. The credit card capture will be integrated into the Buyer’s website. Online shoppers will be able to safely choose a method of payment, enter the credit or debit card number, expiration date, CVV code (found on the back of the card), shipping address, and personal contact details.

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    Got Questions? Call our award-winning support team at (818) 850-1034

    paypal, stripe, square, worldpay & leading payment processors introduce new covid-19 policy