If Stripe, Square, PayPal, or your bank has shut down your merchant account — or refused to open one — you've found the right partner. KJ Proweb is an ISO-authorized high-risk payment processing specialist with direct relationships across 8 elite processors and 30+ acquiring banks. We deliver same-day approvals, the industry's lowest guaranteed rates, and zero-contract flexibility for merchants in every high-risk vertical.
Everything Included — Day One
If your business operates in a regulated or high-risk industry, you know this problem intimately. Here's why it keeps happening — and how to end it permanently.
Stripe, Square, and PayPal reserve the right to freeze or close accounts at any time — and for high-risk merchants, they exercise that right regularly. When it happens during a product launch or peak sales period, the financial damage is immediate and severe.
Many processors demand 10–25% of your monthly revenue be held in a rolling reserve — sometimes for 180 days or more. For a growing business, that's working capital you can't access, invest, or use to fund operations.
A chargeback ratio above 1% can trigger account termination, placement on the MATCH list, and permanent bans from mainstream processors. Without proactive chargeback management tools, one bad month can end your ability to accept cards entirely.
Most high-risk merchants accept whatever rates a processor offers because they feel they have no choice. The reality is that specialized processors compete aggressively for quality merchants — and KJ Proweb's ISO relationships give you real leverage that independent applications never will.
Operating on cash-only, cryptocurrency-only, or ACH-only while competitors accept all major credit cards is a competitive disadvantage that compounds every single day. Every rejected card at checkout is revenue you never recover.
KJ Proweb was built specifically to solve every one of these problems for high-risk merchants. Our ISO authorization and processor network give you access to accounts that conventional businesses simply cannot obtain on their own.
We don't make verbal promises. Every one of these commitments is written into your merchant agreement and enforceable. No other high-risk processing partner in the United States offers this level of written protection to their clients.
A real, US-based person answers your questions and resolves your issues — no offshore tier-1 support queues, no automated bots, no ticket backlogs. You get direct access to a dedicated account manager from day one.
✓ Written GuaranteeWe guarantee the lowest processing rates in the high-risk industry. If any competitor offers you a lower rate, we will match or beat it — now and in the future. Bring us any written quote and we will improve it.
✓ Written GuaranteeEvery merchant agreement with KJ Proweb is month-to-month with zero early termination fees. You stay because our service and pricing earn your loyalty every single month — not because a contract traps you.
✓ Written GuaranteeYour processing rates are locked for the lifetime of your account. They will not increase unless there is a network-mandated interchange adjustment by Visa or Mastercard. What you agree to on day one is what you pay indefinitely.
✓ Written GuaranteeFor as long as you process through KJ Proweb, we will replace or repair your payment terminal at no charge. A broken terminal never needs to interrupt your ability to take payments and revenue.
✓ Written GuaranteeMerchant account approval within the same business day for most industries, with full activation within 24–48 hours of a complete application. You don't lose weeks of revenue waiting for a decision while your business is on hold.
✓ Written GuaranteeIf you've been declined because of your industry, the businesses below represent the verticals we serve daily. Don't see yours? Contact us — our processor network covers a wide range of complex and emerging categories.
*Cannabis dispensaries served via PIN-debit ATM network routing. Federal compliance maintained at all times.
Our ISO and agent agreements with eight of the world's most respected high-risk processors give us unmatched breadth — meaning we can find the right acquiring relationship for virtually any merchant, regardless of industry, volume, or history.
Best Rate Merchant Services
Specializes in high-risk eCommerce, CBD, vape, kratom, MLM/Affiliate marketing, adult websites, firearms and more. Unbeatable interchange-plus pricing and dedicated account management.
Durango Merchant Services
A long-established high-risk specialist with deep expertise in CBD, adult content, online gaming, and regulated industries. Known for stability and transparent terms.
PaymentCloud
A leading high-risk merchant services provider offering secure, scalable solutions with seamless integrations and 24/7 support for businesses of all sizes and risk profiles.
eMerchantBroker (EMB)
One of the world's largest high-risk payment processors, serving thousands of merchants across high-risk verticals with comprehensive chargeback management tools.
PayBotic
Specialized in cannabis, hemp, and CBD payment processing that maintains regulatory compliance while delivering reliable, stable card acceptance for hemp-derived sellers.
CBD Pay
Purpose-built for the CBD and hemp industry — fast approvals, compliant processing, and dedicated support for merchants selling CBD oils, gummies, tinctures, and topicals.
CanPay Debit
A payment app that links directly to your android or Apple mobile device and bank account. Make safe and secure purchases through your mobile device in seconds. The CanPay debit app is made for the legal cannabis industry.
*Used by more than 300,000 consumers nationwide, CanPay now serves as the preferred payment platform for approximately 1,100 participating dispensaries.
Easy Pay Direct (EPD)
A high-risk merchant provider supporting over 30,000 online businesses like e-learning, supplements, and coaching. They focus on preventing account shutdowns.
Perfect for sellers offering future deliverables, recurring billing & trial offers and high-ticket transactions goods that are subjective in content quality.
Chargebacks are the single biggest threat to any high-risk merchant account. Verde eliminates that threat entirely — not by managing chargebacks, but by removing the mechanism that creates them.
Instead of charging a credit card — and exposing your account to dispute risk — Verde routes payment directly from your customer's bank account to yours. The customer selects their bank from a network of 11,000+ US domestic banks and credit unions, logs in securely, and authorizes the transfer. All in under 60 seconds. No card number. No chargeback risk. No frozen accounts.
Because funds are verified against the customer's available balance before transfer, fraudulent chargebacks become technically impossible. And because bank-to-bank transfers bypass the card networks entirely, your transaction fees are 40–60% lower than standard credit card processing.
Funds are verified against the customer's account before transfer. Fraudulent disputes become technically impossible when there's no card network to dispute through.
Bank-to-bank transfers bypass card network interchange fees entirely. For a merchant processing $100,000/month, that difference compounds to tens of thousands in annual savings.
With no card numbers processed or stored, your PCI-DSS compliance scope shrinks dramatically — reducing both your compliance burden and your data breach risk.
Your customers can pay from virtually any US financial institution — the coverage is comprehensive enough that abandonment at checkout is rare.
Real performance benchmarks from Verde™ merchant accounts
Cost Comparison: Traditional vs Verde™
*Based on $100,000/month processing volume example
Beyond standard credit card processing, KJ Proweb offers the most comprehensive suite of alternative and high-risk payment solutions available from a single partner.
Full Visa, Mastercard, American Express, Discover, and debit card acceptance for retail, eCommerce, and MOTO transactions.
Zero chargebacks. 40–60% lower fees. Bank-to-bank direct debit that eliminates your biggest processing vulnerability entirely.
Accept Bitcoin, Ethereum, USDC, USDT, and major cryptocurrencies. Instant settlement with no chargeback risk and no card network involvement.
Legally pass your processing costs to credit card users while offering a discount to cash customers — effectively processing credit cards at zero net cost.
Also available: Authorize.net Gateway · Bankful Gateway · Interchange Plus Pricing · Virtual Terminal · Pay-By-Bank (eDebit) · POS Terminals & Mobile Readers
View All Payment Solutions →"We'd been through three processors in 18 months — Stripe shut us down twice and Square once, always mid-month and always without proper warning. KJ Proweb got us approved in the same day we applied. That was 14 months ago and we haven't had a single account issue since. The rate guarantee alone has saved us over $8,000 compared to what our last processor was charging."
Robert K.
Owner, CBD & Hemp eCommerce Brand — Colorado
"The Verde open banking solution completely changed our business model. We were losing $4,000 to $6,000 a month in chargebacks from customers disputing legitimate transactions — and it was threatening our entire card processing account. Since switching to Verde for our main sales channel, our chargebacks have dropped to literally zero. It's not an exaggeration."
Marcus L.
CEO, Nutraceuticals Brand — Florida
"As a firearms retailer, we've been declined by every major processor out there. KJ Proweb matched us with a processor on the same day we submitted our application. The rates are lower than anything we found on our own, and the no-contract guarantee means we're not locked in if something better comes along — though honestly, after two years, we've never needed to look."
James D.
Owner, Firearms & Ammunition Retailer — Texas
Apply now and get a same-day decision. No application fee. No setup charges. No contracts. A real human reviews your application and contacts you directly — usually within hours, not days.
$0 application fee · No contract · Guaranteed lowest rates · Same-day decision