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.
No setup fees
No long-term contracts
24-hour decision
Cancel anytime
Processed Today
$4,128,340
↑
$1.24B+
Total Processed
All categories · 2025
23
Acquiring Banks
No single point of failure
54+
Industries Served
Every high-risk vertical
24hr
Decision Time
Application to response
Industries
54+ industries. One application.
Every vertical where standard processors decline — Daystar has active accounts running today.
Health & Wellness6 verticals
Nutraceuticalssupplements, vitamins
CBD & Cannabishemp, dispensaries
Pharmaceuticalsonline pharmacy
Telehealth
Weight Loss Programs
Dietary Supplements
Finance & Trading5 verticals
Forex & CryptoFX, exchanges
Investment Platforms
Lending & Credit
Money Services
Insurance
Gaming & Entertainment6 verticals
Online Gamingfantasy, casino
Adult Contentcreator platforms
Sports Betting
Digital Downloads
Streaming Services
NFT & Collectibles
Travel, Regulated & E-Commerce14 verticals
OTAs & Luxury Travel
Timeshare
Tour Operators
Firearms & Ammo
Religious Organizations
Bail Bonds
Debt Collection
Legal Services
Subscriptions & Continuity
DTC & Dropship
Coaching & E-learning
SaaS & Software
Charter & Rentals
Print-on-Demand
For ISO Partners
Your entire portfolio.
One view.
Complete visibility into every merchant in your book — approval rates, chargeback ratios, volume, health scores, and early warning alerts. All in real time.
Portfolio Health Monitoring
Every merchant scored daily. Accounts approaching risk thresholds surface before they become a problem.
Real-Time Volume & Residuals
See exactly what every merchant processed today, this month, any trailing period. Residuals calculated automatically.
Chargeback Early Warning
Alerts trigger at 0.65% — 30–60 days before institutional thresholds. Time to act before it becomes a termination.
ISO Partner Dashboard · Merchant Portfolio
Live
24
Active
$2.84M
Monthly Vol.
93.8%
Avg Approval
2
Alerts
MerchantMonthly VolApprovalCB RatioStatus
Nutraceutical Direct LLC
Supplements · FL
$284K
94.2%
0.4%
● Live
Vegas Digital Gaming
Gaming · NV
$512K
96.1%
0.2%
● Live
Green Leaf CBD
CBD · CO
$98K
88.4%
0.9%
⚠ Watch
Apex Travel Group
OTA · NY
$1.1M
97.3%
0.1%
● Live
Precision Arms LLC
Firearms · AZ
$187K
91.6%
0.5%
+ New
Pharma Direct Rx
Pharma · TX
$341K
87.1%
1.1%
⚠ Watch
Multi-Bank Infrastructure
Every transaction finds
its optimal path.
Daystar’s routing engine evaluates every transaction in real time across 23 acquiring relationships — selecting the bank most likely to approve your specific customer’s card, geography, and transaction type.
Wells Fargo Acq.→Nutraceutical Direct · Visa 4242+$4,280
EU Partner Bank→Apex Travel · MC 5510+$8,400
Acquiring Co. #7→Vegas Digital · Amex 3714+$1,950
LATAM Partner→CBD Retailer · Visa 4111+$12,400
AI Performance
Better numbers.
More revenue kept.
Decisions in Hours, Not Weeks
Machine learning evaluates across multiple bank risk models simultaneously. Most underwriting decisions in under 24 hours.
Real-Time Fraud Detection
Behavioral pattern analysis catches fraudulent transactions before completion — reducing chargebacks without blocking legitimate customers.
Approval Rate Optimization
Routing learns which acquiring relationships produce the highest approval rates for your specific customer base and card mix.
AI Performance Dashboard
Live
94.2% ↑
Approval Rate
0.4% ↓
Chargeback Ratio
0.08% ↓
Fraud Rate
18hr
Avg. Decision
Approval Rate94.2%
Fraud Intercept Rate99.2%
Chargeback Win Rate78%
Network Uptime99.98%
Chargeback Defense
Ratio management before
the account is at risk.
Most processors respond after the threshold is breached. Daystar monitors upstream and addresses root causes before ratios reach institutional review thresholds.
78%
Dispute win rate
0.65%
Alert threshold
75%
Avg. ratio reduction
Transaction-Level Monitoring
Every transaction scored against fraud and dispute probability models. High-risk transactions flagged before completion.
Descriptor Optimization
Descriptor confusion is the leading cause of preventable chargebacks in subscription and nutraceutical businesses. Restructured before it becomes a ratio problem.
Dispute Response Infrastructure
Compelling evidence compilation, response formatting. 78% chargeback dispute win rate across the portfolio.
Early Warning at 0.65%
Alerts trigger at 0.65% — well before Visa’s 1.0% and Mastercard’s 1.5% thresholds. Merchants receive 30–60 days of lead time.
Process
Live in 2–5 business days.
A Daystar representative confirms receipt the same day your application is received.
01
Application Submission
Five minutes online. Same-day initiation — a representative confirms receipt and opens the underwriting file immediately.
Same Day02
Multi-Bank Underwriting
AI-assisted evaluation across multiple acquiring bank risk models simultaneously. Most decisions within 24 hours.
24hr Decision03
Account Activation
Upon approval, gateway credentials issued. Full integration support for Shopify, WooCommerce, Magento, and custom builds.
Full Integration04
Begin Processing
Start processing immediately. Live dashboard shows transaction data, approval rates, chargeback ratios, and account health in real time.
Live DashboardThe Structural Problem
Standard processors are single-bank instruments.
Every standard processor ties your account to one acquiring bank. When that bank changes its risk policy — your account disappears. No appeal changes that structural fact.
Daystar operates as a placement layer between merchants and 23 acquiring institutions. When one exits your category, processing continues through another — automatically.
Check Your Placement Options →
Standard Processor vs. Daystar
StandardDaystar
Account terminated without notice
Internal risk model shift — no merchant recourse
Funds held 6–12 months
Reserve requirements during dispute review
Single acquiring relationship
One institution’s policy governs your entire operation
Multi-bank placement
Account distributed across 23 institutions
Automatic failover routing
Processing continues if any institution exits a category
24-hour underwriting decision
AI-assisted evaluation across all bank risk models
Why Daystar Exists
Built to solve
a structural failure
“We watched merchants lose everything not because their businesses were failing — but because their processor’s internal risk model changed overnight.”
Daystar was built to solve the structural failure of single-bank payment processing. Standard processors optimize for their own institutional stability — not merchant continuity.
01
Payment Processing Is Foundational Infrastructure
Every operating business depends on payment infrastructure. When it fails, operations stop — regardless of how healthy the underlying business is.
02
Single-Bank Dependency Is the Root Cause
Standard processors tie merchant accounts to a single acquiring relationship. Daystar eliminates this by design.
03
Miami-Based. Globally Networked.
6303 Blue Lagoon Drive, Miami. Acquiring relationships across North America, Europe, Asia, and Latin America. Reachable 24 hours a day, 365 days a year.
Account just terminated?
We answer immediately.
Termination cases are treated as priority applications. Call now — someone picks up.
FAQ
Common questions about
merchant accounts
A high-risk merchant account is a payment processing account for businesses classified as elevated-risk based on industry, chargeback history, or transaction profile. Daystar places merchants in nutraceuticals, firearms, adult content, forex, gaming, subscriptions, travel, and many others through a multi-bank acquiring network.
Most applications receive an underwriting decision within 24 hours. Full account activation typically completes within 2–5 business days. A Daystar representative contacts you the same day your application is received.
No. Daystar operates on month-to-month agreements only. No multi-year lock-in. No early termination penalties.
Termination cases are treated as priority applications. Call 855.282.2224 — we initiate expedited review immediately. Most termination cases receive a decision within 24 hours. We have placed merchants back into processing within 48 hours of termination.
Chargeback ratios above 1% are manageable depending on root cause. We have placed merchants with ratios as high as 3.2% who subsequently stabilized below 0.7% within 90 days.
Yes. Daystar’s acquiring network includes partners in Europe, Asia, and Latin America. International merchant accounts support multi-currency processing and cross-border transactions.
Request Approval
Talk to someone who knows your industry
Daystar’s team is reachable 24 hours a day. New account, processor switch, or a question about a specific vertical — someone picks up.
Phone
Location
6303 Blue Lagoon Drive, Suite 400
Miami, Florida 33126
Miami, Florida 33126
Request Merchant Account Approval
No setup fees · Same-day response
Two quick questions — 30 seconds. We follow up same day.
No setup fees · No contracts
We call you — no hold time
We call you — no hold time
Built for Businesses That Cannot Afford Instability
Payment processing should not be
a source of uncertainty
Daystar provides merchant account infrastructure designed for long-term continuity. One application. 24-hour decision. Processing that stays open.
Underwriting review begins upon submission · No setup fees · No contracts