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High-Risk Merchant Processing

High-Risk Merchant Processing

Real underwriting for businesses standard processors decline — not because they’re doing anything wrong, but because most processors won’t do the work to evaluate them properly.

Firearms and ammunition dealers, direct sales and MLM companies, CBD retailers, vape and smoke shops, and nutraceutical/supplement businesses all get turned away by mainstream processors by default. Paramount actually underwrites these categories. See our full guide to high risk processing for what it actually takes to get approved.

Verticals

Firearms & Ammunition

A real, substantial industry that most processors decline outright due to card network restricted-category lists — not based on an individual dealer’s own compliance record.

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Multi-Level Marketing (MLM) / Direct Sales

A legitimate, longstanding sales model, underwritten within the compliance framework the FTC maintains for direct sales and business-opportunity companies.

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CBD

Hemp-derived CBD (under 0.3% THC) has been federally legal since the 2018 Farm Bill. Most processors still decline it anyway, due to the FDA’s separate restrictions on how it’s marketed and sold.

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Vape, Tobacco & Smoke Shops

Age-restricted retail with real federal compliance requirements already in place (21+ minimum age, mandatory verification) — declined by most processors by category, not by individual risk.

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Nutraceuticals & Supplements

A fast-moving industry that operates on a self-substantiation model rather than pre-market approval — exactly the kind of regulatory gap that makes standard processors default to “no.”

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Offset the cost of high-risk processing

High-risk accounts often carry higher processing rates than standard ones. Dual pricing can shift that cost to the customer who chooses to pay by card — instead of it coming out of your margin on every sale.

Been declined elsewhere?
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Key Comparisons

Paramount

Square/Stripe/Clover/Others...

Don't Let Your Funds Get Held Hostage!

Other payment processors can take up to 30 days or more to underwrite your account. If they don’t get approval, your funds are locked. 

 

We underwrite your account right away, so you can run your business with confidence.

 

Our Software Pricing

Multi Location

Starting at

$120

Monthly

Single Location

Starting at

$75

Monthly

Dual Pricing

Enjoy the same profit margins as with CASH payments.

Volume-Based Discounts

Discounted rates based on volumes and usage.

Transparent Costs

Reporting and Dashboards to give you complete visibility on costs.

Industry-Specific Rates

Pricing for all markets so you can expand payments easily.

Why Paramount

A complete operational solution focused on clarity, reliability, and long-term scalability for businesses. 

All-in-One Platform

All features are built in. No 3rd party app costs or hidden fees.

Built for Franchise and Multi-location

Features are designed for scale and multi-location management.

The Best Support

Real human technical support available 24/7.

Talk To An Expert!

What Real Customers Say

Dr Ryan Nye
Dr Ryan Nye
★★★★★
Madison Ridge Chiropractic
Our chiropractic office relies on fast, dependable payment processing, and Paramount Payments delivers. Their system is easy to use, funding is reliable, and support is responsive. Our checkout is now quicker and more professional — highly recommended.
Julie
Julie
★★★★★
Tipsy Chef Cafe
We use Paramount POS in our restaurant and couldn’t be happier. It’s simple for staff to operate, the reporting is detailed and easy to access, and their customer service team is always responsive and reliable.
Andrew Payne
Andrew Payne
★★★★★
R T Rentals & Sales - Winslow AZ
As an equipment rental company, we depend on fast, reliable payments. Paramount Payments delivers competitive rates, smooth processing, and excellent support—keeping our cash flow steady and our operations running without interruption.
Lisa Giannini
Lisa Giannini
★★★★★
Giannini’s Italian Dinners – Pine Grove CA
As a restaurant owner/operator, switching to Paramount Payments POS has streamlined our entire operation—from fast, reliable checkouts to easy reporting and inventory tracking. The system is intuitive for staff, reduces errors during busy shifts, and integrates smoothly with our day-to-day workflow.
Chris Overlay
Chris Overlay
★★★★★
Get Hoptimized
Our marketing agency uses Paramount for our client invoicing. The ability to create recurring billing has saved us tons of time! Their system is easy to use, and it’s secure. Super happy with the service!
Bill
Bill
★★★★★
Black Sands
At Black Sands Resort, we rely on Paramount POS every day. It’s incredibly easy for our team to operate, the reporting gives us clear, real-time insight into our business, and their customer service is consistently responsive and helpful.
Vicki
Vicki
★★★★★
White Water Saloon
As a busy bar, we depend on Paramount POS to keep service fast and accurate. It’s simple for our staff to use, the reporting gives us clear insight into sales and inventory, and their customer service is always responsive and reliable.
Angela
Angela
★★★★★
Heise Resort
We use Paramount POS across our resort’s pizza parlor, golf course, RV park, and pool. It’s easy to operate, offers excellent real-time enterprise and individual store AND collective reporting, and their customer service is always responsive and dependable.

Have Questions? We’ve Got Answers

Our POS system is designed for businesses that require reliable payment processing. Whether you are looking for a cloud-based POS system, an all-in-one POS system, or a complete POS and payments setup, we have the right POS solutions for you.
How is Paramount different from other POS platforms?
Paramount offers a single, comprehensive pricing plan that includes core functionality, while many other solutions require additional fees for add-ons and apps.
Yes. Online ordering, off-premise management, and kitchen display systems are included as part of the Paramount platform, not as separate purchases.
Paramount is designed to accommodate growth without requiring frequent upgrades and unlocks. Other solutions often raise costs as locations or features are added.
Yes. Paramount supports restaurant, retail, and franchise operations within one platform, eliminating the need to switch systems as your business evolves.
Paramount offers guided, hands-on POS setup with POS specialists, while many other POS systems are more self-serve or offer paid onboarding levels.
Yes. Centralized reporting and multi-location management are included by default, making Paramount a great fit for growing and multi-unit businesses.
Most businesses can switch with little to no disruption. We can help map your existing workflows, data, and hardware where possible.

Ready to upgrade your POS System?