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High Risk Merchant Account with Painless Processing

Why Smart Business Minds Choose Painless Processing

SIMPLE application process– Apply online through our secure SSL Application form. You will get back a completed application where all you need to do is sign and return.
EASY to work with agents – You are assigned a dedicated agent. These US-based agents are here to walk you through the entire application process. They answer your questions, provide insight on merchant services as they relate to your business, and do all the heavy lifting to assure you are prepared and have everything you need throughout the entire process.
PAINLESS underwriting & approvals – We underwrite in-house. This means that our underwriters work closely with our merchants to make sure their businesses are set-up properly and that they provide everything needed to experience a successful approval process.
Our Application Processing, Underwriting, On-Boarding, & Technical Support teams are standing by and ready to work cohesively with you to provide a pain free experience.
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Does Painless Processing Accept My Type of Business?

Painless Processing has provided High Risk Merchant Account Services to these industries.

Memberships & Subscriptions
Vapes, E-cigs & E-Juice
Head Shops / Smoke Shops

Painless Processing does not like to turn away any merchant. If your business is not listed above, please Contact Us because we most-likely have a payment processing solution for you.

For a list of unacceptable business CLICK HERE.

How Do I Apply?

We give you options. You choose what works best for you.


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You’re assigned a dedicated high risk merchant account agent regardless of how you start the process. They will answer your questions, complete your application over the phone, and do all of the heavy lifting to make sure you have a pain free experience. When you’re ready you can:

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For Payment Processing, There’s Painless Processing.

What Merchant Services does Painless Processing Offer?

Painless Processing offers the most popular merchant services available. Whether it’s a high risk merchant account you need, business funding, ACH or check processing, a terminal, point of sale system, or gateway; we have everything you need to process payments. We tailor payment processing solutions to meet the demands of your business. Our merchants accounts are unique in that ALL Painless Processing merchants are PRE-APPROVED for business funding. Gateways can be built to spec and the costs of terminals or point of sale systems can lessened or eliminated based on your commitment to payment processing through Painless Processing.

Painless Processing Mission Statement

We stand behind our name, Painless Processing. Day-to-day operations for any business are tough enough to manage. Having to worry about how to accept payments, who you can trust to process those payments, and if your payment processor will be there for you should payment processing problems arise; should not be part of those daily operations. Knowing this, Painless Processing strives to provide payment processing solutions that are simple to apply for, easy to get approved for, and painless to manage. To enforce this, we assign a dedicated merchant service agent with expert-level knowledge of merchant services to each and every merchant. A full supporting cast of application packaging, underwriting, on-boarding, and technical support teams work cohesively with each merchant and their dedicated agent to walk them through each and every step of the process. These teams aren’t just U.S. based; many of them work in the same offices. They do all the heavy lifting for our merchants and our merchants simply need to provide the information, documents, and signatures our team asks for. This is only part of how we are able to get so many approvals. In addition, we back all of this with the most competitive pricing available. We provide the most pain free experience, particularly for high risk merchants, and because of this we believe that if we can’t get you approved; then no one else will either.