High-Risk Merchant Accounts
That Actually Stay Open
You’ve had your account frozen. Maybe shut down completely. The processor blamed your industry, or your chargeback ratio, or some policy change nobody told you about. We’ve heard that story a few thousand times. Daystar has 20+ acquiring bank relationships—when one bank gets cold feet, we move your volume to another. That’s why merchants stay with us.
What We Do
Every other processor on this page will tell you they “specialize in high-risk.” Ask them how many acquiring banks they work with. Most will say two or three. We have 20+. That’s why we can board CBD, firearms, nutraceuticals, adult, gaming, forex, and pharma merchants that get declined everywhere else—and keep their accounts open when the next compliance crackdown hits.
Online payment gateway with multi-currency support and tokenized checkout. Plugs into Shopify, WooCommerce, and Magento, or runs standalone. Fraud screening is built in—not bolted on as an add-on you pay extra for. If you sell online and need a gateway that doesn’t treat your industry like a liability, this is it.
Countertop terminals, wireless devices, and tablet POS. Cards, contactless, Apple Pay, Google Pay. Next-day funding on most accounts. Real-time reporting so you know what’s happening before your bookkeeper does.
Want to offer payment processing under your own brand without becoming a registered PayFac? We white-label the infrastructure. You board sub-merchants, set your own pricing, and earn on every transaction. Setup takes about three days. We handle compliance, bank relationships, and the regulatory paperwork that would otherwise take you months and six figures in legal fees.
Chargebacks kill merchant accounts. Visa’s VAMP program is making acquirers even pickier about who they keep—if your chargeback ratio creeps above 0.9%, you’re on borrowed time. We monitor transactions in real time, verify purchases same-day with live calls to cardholders, and fight every representment with a dedicated dispute team. Not an algorithm. Actual people who do this all day.
How It Works
Merchant Accounts
Payment Gateways
Fraud & Chargeback Protection
ISO Program
Merchant Accounts
We don’t hand you one merchant account and hope it holds. We place you with the acquiring bank that makes sense for your industry, volume, and risk profile. If you need offshore processing, we have banks in Europe and Asia-Pacific. If you want redundancy—and you should—we’ll set up backup accounts across multiple banks so one policy change at one institution doesn’t take you offline.
Payment Gateways
Use our gateway or bring your own—we integrate with 30+ platforms. The part that matters: smart routing. Each transaction gets sent to the acquiring bank most likely to approve it based on card type, geography, and BIN data. That means fewer declines, higher authorization rates, and less revenue left on the table. Multi-currency support for merchants selling across borders.
Fraud & Chargeback Protection
We catch fraud before it settles and fight chargebacks after they hit. Pre-transaction risk scoring. Same-day verification calls to cardholders on flagged purchases. When a chargeback does come in, our dispute team handles the representment—compiles the evidence, writes the response, submits it on deadline. You don’t have to become an expert in Visa’s dispute lifecycle. That’s what we’re here for.
ISO Program
90% revenue share. No cap. Read that again—most programs top out at 50-70% and bury the cap in the contract. We also pay upfront signing bonuses, send you warm leads, give you CRM access, and provide co-branded marketing materials. You handle the merchant relationships. We handle underwriting, onboarding, risk, and support. Every vertical we serve is open to your agents, including high-risk and offshore.
One Acquiring Bank Is a Single Point of Failure
Most processors connect you to one bank. If that bank exits your industry or drops your MCC code, you’re scrambling for a new provider while your customers’ transactions fail. We place merchants across 20+ banks so that doesn’t happen. Your primary goes down, your backup is already live. You can also split volume across accounts to improve approval rates and spread risk—something most processors can’t offer because they don’t have the bank relationships.
We’ve run over $1 billion through this model. Not a pitch deck number—actual processed volume across high-risk merchant accounts, e-commerce, retail, and offshore.
We’ve run over $1 billion through this model. Not a pitch deck number—actual processed volume across high-risk merchant accounts, e-commerce, retail, and offshore.
Call Us. A Person Answers.
You won't get a chatbot. You won't get a ticket number and a promise that someone will follow up in 24-48 hours.
At your service.
You'll get a person at Daystar who can actually help. Existing merchants get a dedicated account manager who already knows your setup—your banks, your volume, your industry. Or fill out the form. We call back within an hour.
- 6303 Blue Lagoon Drive, Suite 400, Miami FL, 33126
- +1 786-453-7357
- support@daystarpayments.com