High-Risk
Processing
Dedicated merchant accounts for the industries others decline. Nutraceuticals, CBD, firearms, adult, gaming, travel clubs, telemarketing, credit repair, and more — with domestic and offshore options.
High-risk processing is not just about approval. It is about building the right structure before volume, chargebacks, compliance issues, or platform rules create problems.
We specialize where
others won't go.
Underwriting Expertise
Our underwriting team has deep expertise in high-risk MCC codes. We know the banks, the regulations, and the risk profiles — so your application gets approved faster.
Chargeback Mitigation
Proactive alerts, rapid response tools, and prevention strategies built into every account. Keep your chargeback ratio below threshold — or we help you get it there.
Domestic & Offshore
Processing options in the US, EU, and offshore jurisdictions. Multi-bank relationships ensure redundancy and higher approval rates across all regions.
Multi-Gateway Failover
Smart routing across multiple acquiring banks and gateways. If one declines, the transaction automatically retries through the next — maximizing approval rates.
Industries we
specialize in.
Health & Wellness
Nutraceuticals, supplements, CBD, kratom, nootropics, weight loss, telehealth, and online pharmacies.
Digital & Entertainment
Online gaming, fantasy sports, adult content, dating platforms, streaming services, and digital downloads.
Regulated Products
Firearms, ammunition, tobacco, vape, e-cigarettes, and age-restricted goods requiring specialized compliance.
Services & Finance
Credit repair, debt consolidation, collections, telemarketing, travel clubs, timeshares, and subscription continuity programs.
Trusted gateway
connections.
Been declined
by other processors?
We help hard-to-place merchants understand their options, structure their applications correctly, and stay processing with the right controls in place. If your previous processor shut you down or you need a reliable alternative to Stripe, PayPal, or Square, Kadima specializes in merchants that aggregators reject.
Beyond high-risk: see Kadima's full payment infrastructure approach