# 6 Best High-Risk Merchant Account Providers for 2026


Businesses operating in industries like CBD, supplements, forex, adult entertainment, gaming, and travel often struggle to get approved by traditional payment processors. This is where a High-Risk Merchant Account becomes essential. These specialized accounts help businesses securely process payments while managing higher chargeback ratios, compliance issues, and regulatory restrictions.

As we approach 2026, the demand for reliable high-risk payment partners continues to rise. To help you choose the right provider, here are the six best [High-Risk Merchant Account](https://www.outrightsystems.org/blog/high-risk-merchant-account-at-highriskpay-com/) providers for 2026 based on reliability, global reach, pricing transparency, and industry experience.

## 1. PayKings Why It Stands Out

PayKings has become one of the leading names in the high-risk payment industry, known for fast approvals and support for over 25+ high-risk sectors.

**Key Features**

* High approval rates
* Chargeback prevention tools
* No setup fees for most merchants
* Integrates with major eCommerce platforms

Best For

CBD, vape, coaching, and subscription-based businesses.

## 2. PaymentCloud Why It Stands Out

PaymentCloud is widely recognized for its friendly onboarding process and strong support for startups entering high-risk industries.

**Key Features**

* Dedicated account manager
* Fraud detection tools
* Supports ACH, credit card, and alternative payments
* Seamless integration with eCommerce platforms

Best For

Tobacco, adult products, credit repair, and travel businesses.

## 3. Durango Merchant Services Why It Stands Out

Durango offers reliable High-Risk Merchant Account solutions with international payment support, making it ideal for global businesses.

**Key Features**

* Offshore merchant account options
* Shopping cart & gateway support
* Multi-currency processing
* Excellent customer service

Best For

Forex, gambling, international eCommerce, nutraceuticals.

## 4. Host Merchant Services (HMS) Why It Stands Out

HMS is known for transparent pricing and tailored high-risk solutions, especially for growing online stores.

**Key Features**

* No hidden fees
* Next-day funding
* Secure payment gateways
* Strong chargeback mitigation tools

Best For

Subscription box services, coaching programs, and online consulting.

## 5. Soar Payments Why It Stands Out

Soar Payments specializes exclusively in high-risk sectors, providing a streamlined online application and fast approvals.

**Key Features**

* Easy underwriting
* Fraud and chargeback protection
* API-friendly payment gateway
* Industry-specific plans

Best For

Gaming, firearms, telemedicine, and debt collection.

## 6. SMB Global Why It Stands Out

SMB Global is a top choice for businesses needing offshore accounts and flexible processing limits.

**Key Features**

* International processing
* Multi-currency support
* Low rolling reserve options
* Advanced payment analytics

Best For

Travel agencies, online pharmacies, and global eCommerce brands.

### How to Choose the Best High-Risk Merchant Account for Your Business

**1. Industry Compatibility**

Ensure the provider supports your specific high-risk niche.

**2. Pricing Transparency**

Look for clear details about transaction fees, chargeback fees, and reserves.

**3. Global Reach**

If you serve international customers, choose a provider with multi-currency and offshore solutions.

**4. Chargeback Management**

Advanced tools help reduce losses and improve merchant stability.

**5. Customer Support**

Round-the-clock support is essential for high-risk industries where issues may arise unexpectedly.

**Final Thoughts**

Choosing the right High-Risk Merchant Account provider can make a significant difference to how smoothly your business operates. The six providers listed above—PayKings, PaymentCloud, Durango, HMS, Soar Payments, and SMB Global—are expected to lead the high-risk payment space in 2026 with their reliability, industry experience, and secure payment processing capabilities.

If you’re looking to scale your high-risk business in 2026, partnering with the right payment processor is the first step toward stability and growth.

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