Mobile & Tap-to-Pay
ACH & eCheck
B2B & Level 2/3
Tobacco, vape & CBD
Retail, online and wholesale accounts for nicotine and hemp products.
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Without the red tape
High-risk merchant accounts
Reliable processing for high-risk industries
EconoPay helps high-risk industries access reliable payment processing without the red tape. We understand the unique challenges of regulated and high-risk sectors and place you with banks that want your business, so operations run smoothly, without surprise freezes or shutdowns.
Underwritten correctly
Chargeback tooling
Lowest reserve possible
Operators who get it
Built for your business
Solutions designed for high-risk businesses
We own high-risk businesses ourselves. We know which acquirers accept your category, what they charge and how they underwrite, so you apply once and get placed where you'll be approved and stay approved.
- One application, multiple high-risk acquirers
- Correct MCC and product disclosure from day one
- Reserves negotiated down and disclosed up front
- Chargeback alerts and ratio monitoring included
- Keep your POS, cart or gateway where it fits
Payment solutions
Categories we place
What you get with EconoPay
- Right bank, first time
- Transparent reserves
- Chargeback alerts
- Multiple MIDs
- Next-day deposits
- One point of contact
Key benefits
More than just a payment processor
No surprise shutdowns
We disclose your products properly so the bank never "discovers" them later.
Fair pricing
High-risk does not have to mean 5%. We negotiate rates and reserves for you.
Protected ratio
Alerts, representment and monitoring keep you under thresholds.
Operators who get it
Talk to people who run high-risk businesses themselves.
Focus on your customers
We'll handle the payments.
Let EconoPay take care of the technology, security and support, so you can focus on running your business.
Get started today →- PCI compliant & secure
- Reliable & scalable
- Easy POS integration
- Dedicated support
Customised for your business
What our clients say
Trusted by high-risk & specialised businesses
★★★★★
“Switching to EconoPay was the best decision we made this year. Our processing fees dropped significantly, and the onboarding was seamless. The team walked us through every step with real human support.”
JM
Jessica M.Boutique Owner
★★★★★
“EconoPay gave us the tools to accept payments anywhere, online and in-store. The transparency and no hidden fees make a huge difference for our growing business.”
DR
David R.Restaurant Owner
★★★★★
“From managing chargebacks to next-day funding, EconoPay delivers on every promise. We finally have a payment partner we can trust.”
SL
Samantha L.CFO, Automotive Group
Frequently asked questions
Talk to an expertHigh-Risk & Specialised FAQs
Do you work with high-risk businesses?
Yes. Smoke shops, vape retail and distribution, convenience stores, CBD, subscription and other high-risk categories are our specialty. Accounts are boarded correctly from day one to avoid freezes and shutdowns.
Why did my previous processor freeze or close my account?
Most shutdowns happen because the account was boarded under the wrong business type or the processor's bank doesn't accept tobacco, vape or CBD. We place you with banks that underwrite your products explicitly, so there are no surprises later.
Will I have a rolling reserve?
Not by default. Reserves depend on the bank, your history and your ticket size. We negotiate the lowest reserve possible and tell you up front before you sign anything.
How do chargeback alerts work?
When a cardholder disputes a charge, you receive an alert before it becomes a chargeback so you can refund or respond, protecting your chargeback ratio.
What do I need to get started and how fast can I sign up?
Three months of recent processing statements, your corporate documents and basic identification. Most merchants are approved within 24–48 hours once complete documents are in, and deposits are next-day.
How does EconoPay’s pricing work?
Interchange-plus or dual pricing, quoted on your actual volume and ticket size. No hidden fees, no long-term contract, no cancellation fee.
Do you require contracts or charge cancellation fees?
Never. You stay with EconoPay because we deliver value, not because you are locked into a long contract. There are no long-term contracts and no cancellation penalties.
What kind of support do you provide?
24/7 live support from a dedicated team that knows your account by name, not a call centre.
Ready to get started?
Request a Free Consultation →Let's get you approved and keep you approved
A customised payment setup for your business type, volume and growth goals.