High-Risk Merchant Accounts — 24hr Approval | Daystar Payments
High-Risk Acquiring  ·  Multi-Bank Network

Every Processor
Wants History.
We Help You
Create It.

Purpose-built for startups, high-risk industries, and businesses without processing history.

Get Approved 855.282.2224
95% approval rate
23 acquiring banks
Decision in 24 hours

No setup fees  ·  No long-term contracts  ·  24-hour decision  ·  Cancel anytime

Daystar Merchant Portal · Encrypted Live
95%
Approval
0.4%
CB Ratio
$284K
Monthly Vol.
V
Checkout · Visa 4242
Nutraceuticals · FL · 2m ago
+$4,280
Approved
M
Subscription · MC 5510
CBD Store · CO · 7m ago
+$97
Approved
A
Checkout · Amex 3714
Supplements · NY · 14m ago
+$8,400
Pending
Monthly Revenue
$284,750
+18.3%
Encrypted
VISA MC AMEX
$1.24B+
Total Processed
All categories · 2025
23
Acquiring Banks
No single point of failure
95%
Approval Rate
Including the ones everyone else declined
24hr
Decision Time
Application to approval
Industries

54+ industries.
One application.

Every vertical the major processors refuse. Nutraceuticals, firearms, adult content, crypto, gaming, travel, pharma, subscriptions — if you've been rejected, this is where you apply.

Health & Wellness
6 verticals
Nutraceuticals
supplements, vitamins
CBD & Cannabis
hemp, dispensaries
Pharmaceuticals
online pharmacy
Telehealth
Weight Loss Programs
Dietary Supplements
Finance & Trading
5 verticals
Forex & Crypto
FX, exchanges
Investment Platforms
Lending & Credit
Money Services
Insurance
Gaming & Entertainment
6 verticals
Online Gaming
fantasy, casino
Adult Content
creator platforms
Sports Betting
Digital Downloads
Streaming Services
NFT & Collectibles
Travel, Regulated & E-Commerce
14 verticals
OTAs & Luxury Travel
Firearms & Ammo
Bail Bonds
Debt Collection
Subscriptions & Continuity
DTC & Dropship
SaaS & Software
Coaching & E-learning
View all 54+ industries
Process

Live in 3 business days.

From the moment you submit, the clock starts. Most merchants are processing in 3 business days — not from activation, from submission.

01
Same Day

Application Submission

Submit one application. A representative is on the phone with you the same day. Underwriting opens immediately.

02
24hr Decision

Multi-Bank Underwriting

Your application reaches every relevant acquiring bank simultaneously. AI-assisted evaluation. Most decisions within 24 hours.

03
You're Connected

Account Activation

Credentials issued immediately. Full integration support for Shopify, WooCommerce, Magento, and custom builds.

04
Processing. Live.

Begin Processing

Live and processing within 3 business days of submission. Dashboard active from day one — transactions, approval rates, account health.

For ISO Partners

Place the merchants
nobody else can.

Daystar gives ISO partners access to 23 acquiring banks across four continents. Place merchants your competitors turn away. Keep 100% of the relationship.

Portfolio Dashboard

Full visibility into every merchant in your book. Volume, approval rates, chargeback ratios. Live. Not monthly — right now.

Residuals, Automatically

No spreadsheets. No waiting on statements. What your merchants process today shows in your dashboard today.

Early Warning

Accounts approaching risk thresholds surface before the merchant knows there's a problem. You stay ahead. Your merchants stay open.

Become an ISO Partner
ISO Partner Dashboard · Merchant Portfolio Live
24
Active
$2.84M
Monthly Vol.
95%
Avg Approval
2
Alerts
Nutraceutical Direct LLC
Supplements · FL
$284K
0.4%
Live
Vegas Digital Gaming
Gaming · NV
$512K
0.2%
Live
Green Leaf CBD
CBD · CO
$98K
0.9%
Watch
Apex Travel Group
OTA · NY
$1.1M
0.1%
Live
Pharma Direct Rx
Pharma · TX
$341K
1.1%
Watch
FAQ

Common questions about merchant accounts

What counts as high-risk?
Any industry the major processors decline — nutraceuticals, CBD, firearms, adult, gaming, forex, pharma, travel, subscriptions, and dozens more. If Stripe or Square rejected you, you're in the right place.
How long does approval take?
Most decisions within 24 hours. Most merchants are live and processing within 3 business days of submission. You hear from a person — not an autoresponder — the same day you apply.
Is there a contract?
No. Month-to-month only. No lock-in, no early termination penalties. We keep merchants because the service works, not because a contract requires it.
My account was just terminated. What now?
Call 855.282.2224 now. Terminations are prioritized. Most receive a decision within 24 hours. We have placed merchants back into processing within 48 hours of a termination notice.
My chargeback ratio is above 1%. Can you still help?
Usually yes. Tell us the root cause. We've approved merchants at 3.2% who stabilized below 0.7% within 90 days — because we fixed the problem, not just the account.
Do you offer offshore merchant accounts?
Yes. Our acquiring network includes banking relationships in Europe, Asia, and Latin America. For certain industries and transaction profiles, offshore placement is the right structural solution. We'll tell you if it applies to you.
Request Approval

Talk to someone who knows your industry.

Not a sales rep reading from a script. Someone who knows your vertical, knows which acquiring relationships fit, and can tell you in the first call whether we can help.

Phone855.282.2224 · 24 hours · 365 days
Location6303 Blue Lagoon Drive, Suite 400, Miami, FL 33126
Account just terminated?

Termination cases are prioritized. A representative picks up immediately. Most merchants are back processing within 48 hours.

Call 855.282.2224 Now

Request Merchant Account Approval

No setup fees · Same-day response

30 seconds. We follow up same day.

No setup fees · No contracts · We call you — no hold time

Don't Wait

Every day without processing
is revenue you don't get back.

One application. A real person calls you the same day. Most merchants are live in 3 business days.

Request Approval Call 855.282.2224
No setup fees
No contracts
24hr decision
Same-day response