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pay's & payouts

Highest Approval Rate Fast Approvals 24-48 Hour Payouts Lowest Rates 100% Digital Application

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APPLY NOW

Complete our quick and easy online application. Digitally sign applications using your mouse. Securely upload supporting documents.

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GET APPROVED

Applications are sent to pre-approved you Compliance will review and determine a processing limit Daily updates sent with additional documents and final approvals

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START PROCESSING

Payment Gateways are activated Integrate your Payment Gateway with the backend of your site Start accepting payments from your customers immediately

RISK MANAGEMENT TOOLS FOR HIGH-RISK MERCHANT ACCOUNT

    From preventing chargebacks to transaction allocation and management, our cutting-edge risk prevention tools will help keep your high-risk merchant accounts healthy and processing for the long term.

  • Pre-chargeback alerts to prevent chargeback
  • IspyFraud prevention software
  • Reliable and secure payment platform
  • Processing strategy customized for your business
  • Chargeback dispute system

SUPERB CUSTOMER SUPPORT

    Our expert agents are available to help make your application process as easy as possible. Whether you have general payment processing questions or need help completing the application, our team is available 24/7 for you. Our expert high risk merchant account payment advisors provide:

  • Daily account monitoring and management
  • Pre-approved backup banks
  • Customer service testing
  • Longstanding bank relationships
  • Descriptor testing
  • 24/7 USA customer support
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Fast Approvals

Our online application, which is integrated with dozens of banks, assures a quick application and approval process so you can start accepting credit cards right away.

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High Approvals

With over 40 different bank solutions that have been tested, we can ensure that your application will only be submitted to banks that work with businesses like yours.

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Secure Processing

Minimize fraudulent charges by utilizing our fraud-prevention services. 

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Online Portal

Our online portal delivers daily status updates from our banking partners and reminds you exactly what is missing to get you approved.

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Apply Online

Our online application allows you to apply to a selection of high-risk banks in the industry by filling out one application, completing digital signatures and securely uploading supporting documents.

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Unique Solutions

To help businesses that can’t get a high-risk merchant account approved by US Banks, we have developed a network of Offshore and ACH Bank relationships that provide payment gateways andaccept multiple high-risk business types.

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e-Wallet

Getting your own non costuday wallet to recive funds directly to your account, use multi ramper solution to be able and use sepa banks, swift and cards as anonother psp options

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P.O.S Integrations

With our technology you able to charge your clients multi currencies and receive that funds on the next payout to your bank account converted for you to fiat

Why choose us

What to Expect From Us

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Easy to Setup

in not time we can put you live and you can start charge your clients and get your biz to the next level

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Secure Transactions

we offer security for your client to avoid some scam, card transaction secure 3D to make sure your client is safe

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24/7 Support

we are here for you anytime you need to understand more, etc use have his personal success agent who will be around him always for any questions or needs

FAQ

General

High risk products are products and services that are sold by merchants who operate within high-risk industries. The list of industries considered high risk is long and includes nutraceuticals, magazine subscription services, CBD, debt consolidation, multi-level marketing, travel, and many more.
Other products and services considered high risk include those that are sold at high-dollar amounts and those that are sold on subscriptions or payment plans.
High risk merchant accounts help merchants who are considered high risk to accept credit card and debit card transactions. They’re optimized for merchants who are susceptible to high chargeback ratios or whose practices may result in potential loss for the banks and merchant account providers that grant them account services.
In most cases, businesses are considered high risk if they operate within an industry that’s deemed high risk; however, some that operate outside of these industries may still be considered high risk if they offer free trials, subscription plans, have an average ticket dollar amount over $50, sell more than $20,000 in products or services each month or have a high chargeback ratio or a poor credit history. Applying for a high risk merchant account is the best option for these businesses.
High risk businesses are those that can’t obtain standard merchant processing accounts from traditional banks and payment processing companies. If they meet conditions such as selling products or services that are part of a high risk industry, taking part in risky business practices such as free trials and subscription services or have excessive chargebacks, they may be considered high risk and run the risk of being denied banking services such as loans, merchant services and insurance.
    High risk merchants are classified as businesses that meet one or more of the following conditions:
  • The business owner or guarantor has a poor personal or business credit history
  • The business has a high chargeback ratio
  • The business has a history of merchant accounts being closed by the account provider
  • The business sells a product or service that’s considered high risk
  • The business uses payment models that create a high risk of loss for the bank or merchant services provider
  • The business processes transactions with high dollar amounts or has a high monthly sales volume


High risk merchant accounts are merchants who’ve been deemed high risk by traditional banks and payment processors.
when you are working clean and without scam your clients, the chargeback percentage is going down, but in any case one of your clients will claim a chargeback you will need to manage that case with us together to try and explain the card processing what happen and in case the client will win the escalate case you will need to dudacted the refund from your next payment or it will go down from your rolling reserve balance
if your client will open a case and win it and we will be asked to issue refund, you have to pay the missing amount for the client, your account will be paused and you will be shut down if you choose not to pay.
yes you have the whole option available, you can choose to receive your payout via crypto or bank wire is completely your decision to make whatever you believe is suit your needs, you will be able always to change your mind in any settlement piriot
Setup fee is required in terms of getting you live, like every business we face some expenses when we need to upload new tech online and those setup fee cost is to cover such, the rolling reserved is payment deducted from the turn over to reserve some fund in case of clients complain or requesting refunds, so this is used as a small balance to fast resolution open cases

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About LubyPay

Services

Merchant & Partner (Online)

Disclaimer: This service is provided on an “as is” and “as available” basis. LubyPay disclaims all liability and makes no express or implied representation or warranties of any kind in relation to the service including but not limited to: an availability, an accessibility, time lines, and uninterrupted use of the service; and sequence, accuracy, completeness, timeliness or the security of any data or information provided to you as part of the service. For more details and definitions, please refer to terms and conditions.

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