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.
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.
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.
- 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.
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.