They Said No.
We Say Yes.
No long-term contracts. No hidden fees. No account freezes. Just reliable payment processing built specifically for high risk businesses like yours.
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4.9
(871 Reviews) ★★★★★
Google Ratings
We support all major platforms. Gateways that stay live and scale with your volume.
If it's legal, we find you a path. High-risk merchants are our specialty.
Real people. Not a ticket queue. Your rep knows your account.
We Support all Industries
Don't See Your Business Type? Not a Problem!
Not every business fits into a box, and there are too many industries for us to list them all on this page. Check our industries page for a more comprehensive list. Either way, give us a call. We want to hear about your business, and I’d be willing to bet that we are the last call that you need to make.
Why Businesses Choose The Merchant Guru
They don’t teach credit card processing in school so having an experienced processing partner can make a world of difference for your business. From low-risk to high-risk, we do it all. We will consult with you to understand all of your needs and provide solutions to help you succeed. The Merchant Guru works with all businesses & specializes in high-risk merchant accounts for industries that other providers avoid. From retail credit card processing to adult merchant accounts, we deliver the tools and expertise you need to get approved and grow.
- We approve 99% of businesses
- Trusted by thousands of merchants worldwide
- Payment gateways & terminals built for your business
- eCommerce merchant accounts
- Virtual terminal
- Free terminal placement
- Competitive custom pricing
An Honest, Reliable and Compliant Payment Processor
What We Offer
Fast Approvals and Setup
Retail businesses can be approved same day and card-not-present merchants in 24 hours.
Reliable Credit Card Processing
We have been helping and supporting businesses grow for 15 years. Real people helping businesses grow.
Multiple Solutions
Platforms, gateways, integrations, terminals, Point of Sale, & multiple merchant accounts. Options are a good thing to have.
Safe and Secure Gateways
We offer PCI DSS Compliance, tokenization, fraud tools, plus API-first and plugin-based checkout options.
Transparent Pricing
Tiered, flat rate, and interchange pricing that are tailored to your transaction profile and business type.
Reliability
We aim to be a long-term partner as you scale your business.
How to get a Merchant Account with the merchant Guru
Approvals
Start Processing
Payment Solutions for Every Merchant. And we mean Every Merchant.
Low-Risk
- Competitive Pricing
- Same Day Approvals
- Pay As You Go Programs
- Cash Discount & Surcharge Options
- Free Terminal Options
- 24/7 Support
- Same-Day and Next-Day Funding Options
Medium Risk
- Competitive Pricing
- Pay As You Go Programs
- Cash Discount & Surcharge Options
- Free Terminal Options
- 24/7 Support
- Same-Day and Next-Day Funding Options
- Flexible Gateway Integrations
- Built to Scale
High-Risk
- Competitive Pricing
- Reliable Approvals
- Recurring Payments
- Compliance First Merchant Account
- International Sales Support
- Risk Consultation
- Multiple Account Options
- Currency Conversion
A True Partnership
- Competitive Mitigation
- 3D Secure
- eCheck Processing
- Business Funding
- Referral Incentives
- Ongoing Risk Consulting
- Dedicated Support Representative
Seamless Integrations
Voted Most Reliable Credit Card Processor
This is so important to us here at The Merchant Guru. We have heard too many stories of merchant providers discontinuing service once the merchant starts processing. Let’s dig into it, though…
Why do processors approve merchants and then shut them down after they start processing?
It can be for Several reasons
1. Many large processors do what is called “Reverse Underwriting”. This is a strategy where the set-up process is made to be very simple. Essentially, EVERYONE is approved. Once you start processing, however, is when they will underwrite a business and decide whether they like the business or not.
2. Auto Approvals – If you have decent credit and you fall into a generic business category code, you may be approved automatically through a processor’s algorithm. Great news, right? not necessarily. This process was really developed for brick & Mortar retail businesses, and generally will still have to get approved by an underwriter
An Experts Take On Credit card processing
From The Merchant Guru, with 15+ years of experience
Many businesses that come to us are either in the beginning stages of starting a business or have an issue that they are looking to solve. Every business is different, but many of the challenges they face are shared. The great news for our merchants is that we are willing and able to help them with the many issues that they are facing.
We take pride in being experts in merchant services for every industry that we work with. Every now and then, we come across a unique business that doesnt fit in “a box”, and that is where our merchants help us grow. Regardless, we have the tools and resources to set our merchants up with a reliable payment processing solution so you can focus on running your business.
Let’s just call it what it is. Your success is our success! We want you to win! Our commitment to you is to do everything we can to help you along your path to get there!
Frequently Asked Questions
We work with virtually every business. Our general rule of thumb is that if it’s legal, we can likely assist you in securing a merchant account. With 15+ years of industry experience, we talk to merchants on a daily basis who have struggled to find a merchant provider that fits their needs. We pride ourselves on providing a reliable solution so you can focus on running your business.
We don't turn merchants off once approved, assuming that there is no fraud or funny business. We pride ourselves in providing reliable payment processing so merchants can focus on scaling their business.
This happens often. We may not have a direct integration, but we may use 3rd-party integrations such as Authorize.net or NMI, amongst others, to integrate. Get in touch with a guru today, and we can advise.
Yes! We do. In most cases, we can support this. Give us a call and we can advise how we can help.
In many cases, we can, depending on the business type and situation. Some businesses like to do this to build relationships with multiple processors & split their processing volume. This can be very beneficial for businesses, especially businesses that are growing.
We offer ongoing support and a dedicated account manager who can help with account management, consulting, or questions. That's right. Your very own guru!
Apply Now
By submitting this form, you are acknowledging and consenting to our terms.
- We do not distribute your information
