Private underwriting desk · High-risk merchant accounts · ACH · gateway technology 800-673-9145

High risk? No problem. Bank-grade merchant infrastructure.

Serious payment processing for serious businesses.

We provide merchant accounts for hard to place and high risk businesses, with structured underwriting, gateway readiness, ACH options, and fast onboarding support.

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24-48h Approval path target
50+ Risk-aware verticals
$0 Application setup fee
Merchant OS Approval Console
Live review
GatewayReady
ACHEligible
PricingMinimum
Processor history Captured
Volume exposure Modeled
Owner verification Structured
Document package Private
Hard-to-place account matched Gateway · ACH · Merchant account · Support
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My Payment Hero card
PCI aware onboarding Private document storage Gateway + ACH support High-risk underwriting In-house client support

Enterprise trust layer

Built for merchants that standard processors hesitate to underwrite.

My Payment Hero combines risk-aware intake, private document handling, and human onboarding support into a clean application path for serious operators.

Underwriting intelligence

Structured intake turns complex risk profiles into clear merchant packages for faster review.

Gateway readiness

Support for card-not-present, virtual terminal, retail, mobile, and eCommerce acceptance.

Volume-oriented setup

Application data captures transaction size, monthly volume, business model, and processor history.

Human operating support

A dedicated support flow for document collection, onboarding, and account activation.

99.9% Platform availability target
2-3 min Application submission window
5 Payment acceptance modes
Secure Masked sensitive admin fields

Because every client gets our three guarantees

Why should I choose My Payment Hero?

Clear pricing, fast underwriting, and real support for businesses that mainstream processors decline.

Instant Online Quote

When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.

​Industry Minimum Pricing

You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.

Friendly Client Support

When you call or email, you’ll always speak with our friendly, in-house client support team.

Onboarding desk

Our client support team is standing by to move your application toward approval.

Submit the application once. We organize the underwriting details, collect the right documents, and help you activate processing.

Apply Now

Industry coverage

What industries does My Payment Hero serve?

My Payment Hero offers mid and high risk merchant services for the following industries.

A Antiques & Collectibles A Apparel & Clothing B Bad Credit C Cannabis Support Businesses C Catering C CBD Oil & CBD Products C Continuity / Subscription Products C Credit Monitoring C Credit Repair D Debt Collection D Digital Streaming D Document Preparation E Events F Fantasy Sports F Firearms & Ammunition F Furniture & Home Furnishings G Glassware G Gyms, Fitness & Yoga H Health & Beauty H Hotels & Lodging I Insurance / Warranty L Legal Services M Magazine Subscriptions M Marijuana M Martial Arts M Medical Billing & Coding M Medical Supplies M Membership & Recurring Billing M MLM Companies N Non-Profit N Nutraceuticals P Pawnbrokers & Pawn Shops P Pet Products P Precious Metals P Pro Sports & Athletic Fields P Property Management S SaaS Companies S Seminars & Coaching S SEO / SEM / Ad Agency S Sports Betting S Survivalist & Tactical Gear T Taxes and Accounting T Telemedicine T Ticket Agencies & Brokers T Tobacco & Cigar T Transportation & Moving T Travel & Timeshare V Vape / e-Cig / eJuice V Veterinarians W Web Design & Development

Your industry not listed?

Check out the complete list of which industries we do, and do not, serve.

Bank-grade confidence cues

Trust architecture for sensitive merchant applications.

Payment processing applications contain serious business, owner, and banking information. The front-end experience now reinforces that standard with private storage, visible security language, and minimal enterprise UI.

PCI-aware intake ACH + eCheck Gateway routing Retail terminals Virtual terminal eCommerce carts

Private uploads

Documents are stored outside the public web root in private Laravel storage.

Sensitive data masking

SSN, Tax ID, routing, bank account, and license values are masked by default in admin.

Controlled admin access

Applications are protected behind authenticated admin views and explicit file download routes.

Application path

How does the application process work?

01

Apply Online

Complete the online application process (it takes 5 minutes).

02

Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

03

Start Accepting Payments

Our friendly, in-house client support team will help you get set up. We’ll make it fast and easy.

Payment acceptance

Accept retail, mobile, virtual terminal, or eCommerce payments.

Retail Payments

Retail businesses can choose from a traditional credit card terminal, wireless, or point of sale system. Whatever you choose, our retail merchant accounts will have you accepting credit and debit cards faster, and for less.

Apply Now To Accept Retail Payments
Retail Payments

Client confidence

What business owners are saying about us

★★★★★
Rated 5 out of 5

“Amazing, responsive, extremely professional and informative through the application process”

Cassie

Google
★★★★★
Rated 5 out of 5

“My Payment Hero tried their best to help us out. Thank You.”

Larry

Google
★★★★★
Rated 5 out of 5

“Great to work with and saved us money!”

Emily

Google
★★★★★
Rated 5 out of 5

“Great place to go for high risk merchant services! I love the consistent....”

Mitchell

Google

Ready for underwriting

Bring your merchant profile into a cleaner approval path.

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