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Tell us about your industry, sales model, and what’s causing you hassle with current or past processors.
Some industries come with extra scrutiny—maybe you sell specialized products, manage higher chargeback rates, or operate in a field that traditional processors won’t touch. Don’t let that stop you. We’re here to give you a stable, transparent way to accept card payments without the hidden catches.
Did you know?
- 39% of high-risk businesses say they’ve had at least one payment provider freeze their funds unexpectedly.
- 52% struggle to find a long-term processor that won’t hike fees after a few months.
Too many so-called “solutions” come with sudden freezes or rollings reserves. You need a processor that keeps your cash moving so you can pay your team and restock inventory.
High-risk often means added regulations, more underwriting, and meticulous monitoring. With the right partner, it’s manageable—not a daily stress.
High-risk merchants see more disputes—we won’t sugarcoat that. But robust fraud tools and dispute management can reduce those headaches.
We actually listen to your business model. That means a more nuanced underwriting process—no “one size fits all” nonsense.
Stat Spotlight
- 81% of high-risk merchants who switched to a specialized processor saw a drop in chargeback disputes.
If you’re sick of random account freezes, roller-coaster fees, or shady fine print, give Phase 3 Payments a try. We’re built on real relationships and straight talk—even for industries others label “high risk.”
Let’s take the “risk” out of “high risk” so you can focus on growing your business.