Question 1

What makes a merchant account 'high-risk'?

Accepted Answer

Banks classify merchants as high-risk based on industry type (adult, gaming, crypto, etc.), chargeback history, processing volume, subscription models, and country of operation. High-risk merchants face more underwriting scrutiny but are absolutely processable with the right acquiring bank.

Question 2

How long does the approval process take?

Accepted Answer

Most applications receive a conditional approval within 48–72 business hours. Full account activation — including gateway setup and test transactions — typically completes within 3–7 business days, depending on how quickly you can supply required documentation.

Question 3

What processing rates can I expect?

Accepted Answer

Rates vary by industry, monthly volume, chargeback history, and business age. Typical discount rates range from 2.5% to 4.9% + per-transaction fees. Crypto and iGaming verticals may carry higher rates than travel or nutraceuticals. We publish ranges on our Pricing page and provide a no-obligation custom quote.

Question 4

Will BoazPay work with my existing shopping cart / platform?

Accepted Answer

Yes. We support integrations with NMI, Authorize.net, USAePay, and several other major gateways that connect to virtually every major e-commerce platform including Shopify, WooCommerce, Magento, BigCommerce, and custom-built sites.

Question 5

I was terminated by Stripe / PayPal. Can I still get approved?

Accepted Answer

Possibly — it depends on the reason for termination. We evaluate each case individually. Terminations due to industry type (i.e., you simply operate in a prohibited category) are very different from terminations due to fraud or excessive chargebacks. Schedule a free consultation to discuss your situation.

Question 6

What is a reserve account and will I need one?

Accepted Answer

A reserve is a portion of your processing volume held temporarily by the acquiring bank to cover potential chargebacks. Not all merchants require a reserve — it depends on your risk profile. Reserves are typically released on a rolling 90-day or 180-day cycle. We negotiate the lowest possible reserve requirement during underwriting.

Question 7

How do I manage chargebacks?

Accepted Answer

BoazPay provides built-in chargeback management tools including pre-dispute alerts (via Ethoca/Verifi), real-time monitoring dashboards, and optional managed representment services. We also provide best-practice guides to reduce your chargeback ratio below card network thresholds.

Question 8

Is there a long-term contract or cancellation fee?

Accepted Answer

BoazPay does not require long-term contracts on most merchant programs. Month-to-month agreements are standard. Some high-volume or custom configurations may involve a minimum-term commitment — this will always be disclosed before signing. There are no application fees or setup fees.

Question 9

Do you support international businesses?

Accepted Answer

Yes. BoazPay serves merchants in 180+ countries through its network of acquiring banks and payment facilitators. Multi-currency settlement, offshore corporate structures, and non-US bank accounts are all supported depending on jurisdiction.

Question 10

How do I become an ISO agent with BoazPay?

Accepted Answer

Visit our Agent Program page, complete the 3-step application, and our partner team will review it within 24–48 hours. Approved agents receive a full ISO agreement, marketing materials, CRM dashboard access, and a dedicated success manager. Revenue share starts at 50% and scales up to 70% based on volume.

Feature	Stripe / Square	Other High-Risk	BoazPay ✦
High-risk industries served	❌ None	⚠ Limited	✅ All 8 verticals
Approval speed	Instant (auto-declined)	2–4 weeks	48–72 hours
Application time	N/A — terminated	30–60 min	10–15 min online
Pricing transparency	Flat rate, no negotiation	Opaque	Range published; custom quote
Gateway options	Stripe only	1–2 gateways	NMI, Authorize.net, USAePay + more
Chargeback tolerance	<1% — instant termination	1–2%	Up to 3% with prevention tools
Account stability	High freeze/termination risk	Moderate	Dedicated underwriting + reserve management
Support model	Email + docs only	Shared rep	Dedicated account manager
Multi-currency / global	Limited high-risk support	USD/EUR primary	180+ countries, 30+ banks

High-Risk Payment Processing That Actually Works

Built for High-Risk Verticals

Crypto & Digital Assets

Forex & Trading

Gaming & iGaming

Nutraceuticals

Travel & Hospitality

CBD & Hemp

High-Risk E-Commerce

Three Steps to Getting Paid

Submit Your Application

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Start Processing

The Unfair Advantage for High-Risk Merchants

Fast Approvals

Global Banking Network

Chargeback Protection

Dedicated Agent Support

Trusted by Merchants & Agents Worldwide

Earn Residual Income as a BoazPay ISO Agent

Stripe Said No. BoazPay Says Yes.

Everything You Need to Know

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