Merchant Accounts – Credit Card Payment Processing

Merchant Accounts2018-10-07T20:13:09+00:00

Assisting Merchants in High-Risk Industries

We specialize in merchant accounts for high-risk industries, which are those that experience high amounts of chargebacks, canceled transactions, refunds and returns, and fraud. Painless Processing has assisted high-risk merchants since 2009.

Merchant services for any High-Risk Industry:

Adult Entertainment & Products
Memberships & Subscriptions
Bars & Nightclubs
Consulting Services
Travel Industry
Vapes, E-cigs & E-Juice
Supplements and Nutraceuticals
Cigar & Tobacco Merchants
Credit Repair / Debt Consolidation
Multi-Level Marketing
Firearms, Guns & Ammo
Head Shops / Smoke Shops
Debt & Collection Agency
High Ticket & High Volume

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Merchant Accounts – Credit and Debit Card Processing

Credit and debit cards are efficient ways to pay, but not all processing services are made equal. Painless Processing offers low-cost and cutting-edge merchant account services with excellent customer service. We empower our clients with the best card processing tools at rates that increase their revenue.

Our mission is to make the whole payment process pain-free. It’s easy to integrate our solutions, manage transactions, and obtain support when needed. Painless Processing is there to help every step of the way.

Low Rates and Rapid Transactions

Every time someone swipes their card, our clients earn more. Qualified merchants enjoy rates as low as 1.99% + 10 cents per swipe, or 5 cents with debit card transactions. For mail order, telephone order, and e-commerce transactions we offer a 2.69% flat rate and zero transaction fees. We are up-front with our pricing and guarantee that clients won’t have to deal with hidden fees.

Clients should have their hard-earned cash as soon as possible and be able to accept as many credit card payments as they can. With Painless Processing, all deposits are completed by the next business day, and clients have unlimited volume caps. This ensures our clients have a reliable revenue stream, and they don’t have to turn away card-paying customers.

Pricing starting as low as:

(for qualifying merchants)

1.99% + 10¢ per transactions/
5¢ per debit

2.69% Flat Rate +
No Transaction Fee

Next Business Day Deposits • No Unexpected or Hidden Fees • No Volume Caps

Accept payments painlessly.

We support you every step of the way, from the application to integration and beyond.

The Best Rates

Get the best rate for your industry.

The Fastest Approvals

Get approved in as little as 24 hours.

Superior Service

24/7 customer and technical support.

Ready to start processing?

Get Started!

Is Painless Processing Right for My Business?

Our online merchant accounts take the best aspects of the internet and combine them with reliable merchant processing. These processing services are used by clients in nearly every industry and for any business. We are a merchant service provider to Retail Businesses, Mail Order & Telephone Order Companies, E-Commerce Platforms, and Mobile Enterprises.

Our team knows that each client needs payment processing that can be tailored to their business model, and updated as products or services are changed. Whether you are selling products from a brick and mortar, an online shop, or a food truck, Painless Processing offers custom solutions.

  • STEP 1
    Complete the application or one of our agents can complete it for you.
  • STEP 2
    Get approved in as little as 24 hours.

  • STEP 3
    Start processing. We’ll help with installation, integration, and anything else you need to get you accepting payments quickly and painlessly.

Get Started!

Payment Solutions for any type of business.

However you choose to take payments, we can help.


Accept card payments for your brick & mortar location. Increase sales and customer retention.


Accept card payments over the phone or through the mail. Virtual terminals make taking payments a breeze.


Accept card payments through the internet. Painless Processing integrates all shopping carts.


Accept card payments through various smart devices. Perfect for businesses on the go.

Merchant Accounts for any type of business.

We are team players with all our clients.
Speak with an Expert