Merchant Accounts
Made Simple. Made Easy. Made Painless.

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The Painless Process to Card Payment Transactions

The merchant services sector of the financial industry is widely unregulated. Merchant service providers don’t need to be licensed, accredited, or verified in order to sell or resell merchant accounts. Car salesmen, tax professionals, or financial advisors; as an example, all need to be licensed and/or certified to provide their services. If you’re only supposed to work with qualified and trusted companies or individuals for your finances, taxes, or transportation purchases then why would you not do the same when it comes to processing card payment transactions for your business?

It’s a reasonable question to ask yourself. You shouldn’t trust giving your private information to just any merchant service provider that has no required compliance to securing your information, correspondence, transactions, customer information, and the overall security of sensitive information and payments made to your business.

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 you know that you can trust a merchant service provider
with your merchant account and your money?

Any bank that sponsors, backs, boards, or funds merchant accounts have strict card payment transaction standards they are required to adhere to by the major card brands, namely Visa and MasterCard, in order to be recognized as a credible financial institution allowed to manage your card payment transactions. These banks designate registered independent sales offices (ISO’s) to provide and sell merchant services on their behalf. There is a strict qualification process to become an ISO and these ISO’s are legally bound to uphold the same strict compliances for data, information, and transactional security that the large banks utilize. They also have to put up a large amount of capital as security against potential threats such as fraud.

Painless Processing is a subsidiary of Best Rate Merchant Service a registered ISO of BMO Harris Bank N.A. This means that your personal information, private information, business security, and payment processing transactions are held to the highest standards as required by this world class financial institution. From the point that you begin your application process using our SSL Secured & Verified by GoDaddy Application all the way through and beyond processing millions of dollars through your merchant account; the security of your information and transactions aren’t a choice but a requirement in order for us to maintain our licensing, certifications, and good name that has allowed us to provide merchant services for more than a decade.

Additional Benefits of a Painless Processing Merchant Account:

PCI Compliance Merchant Service


PCI Compliance

The Credit Card Payment Processing Industry Data Security Standard


DSS Compliance

Payment Card Industry Data Security Standard

Next Day

Next Day Funding

Automatic Direct Deposit & Next Day Funding

Latest Processing Technology

Latest Processing Technology

Access to the Latest Payment Processing Technology

In-House Support Team

In-House Support Team

Assigned & Dedicated In-House Support Teams

Chargeback Prevention

Chargeback Prevention

Stop Chargebacks and Avoid Costly Fees, Fines and Penalties


Fraud Protection

Advanced fraud security to prevent credit card fraud and protect profits

Payment Gateways

Ecommerce Payment Gateways

Access to a Multitude of Payment Gateways Including Fully Customizable Payment Gateway Options

Terminals & POS Systems

Terminals & POS Systems

Reduced Cost or No Cost Terminals & POS Systems

No Minimum Transaction

No Minimum Transaction

No Minimum Transaction Requirements

Business Funding

Painless Business Funding

Painless Merchant Accounts Are Pre-Approved for Painless Business Funding
Click Here for Low Risk Merchant Accounts
Click Here for High Risk Merchant Accounts
Click To Apply
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