Best Free High-Risk Payment Processors of 2025

Shift4Shop simplifies the process of creating an ideal website for your business, allowing you to effortlessly sell products or services online. Our comprehensive eCommerce platform features an easy-to-use website builder, along with tools for managing products and orders, as well as customer marketing. You can select from a wide range of professionally crafted templates tailored to various industries, all designed to be mobile-responsive, SEO-friendly, and fully customizable. Utilize our user-friendly web design tool to modify your site, directly edit the HTML and CSS, or connect with our network of design professionals to develop your online store. With access to a multitude of robust features, including product management, order tracking, SEO capabilities, and marketing through email and social media, your business will be well-equipped. You can also securely process payments through credit cards and digital wallets with our integrated payment solution. In essence, Shift4Shop equips you with all the necessary resources to successfully launch, expand, and oversee your online venture, ensuring you have everything at your fingertips to thrive in the digital marketplace.

Our Paywire platform is designed to handle complex and simple payment needs. It integrates easily with both web and software applications. Our partners can process more payments by expanding their acceptance channels or adding multiple payment options. Our platform can integrate with complex peripherals such as EMV readers or check scanners. It supports mobile, web, desktop, Thin Client, and mobile payment options. Paywire is a flexible, turn-key solution that can handle a variety of payment processing, monitoring, reporting, and reporting requirements. We are an active member of ACA International and have over 20 years of experience in the collection industry. We understand the operational and compliance requirements of your agency. Our proprietary Paywire platform, which can be customized to your requirements, is a global leader in secure, flexible, and highly customizable ecommerce solutions.

CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different.

Payment software for eCommerce merchants and virtual credit card transactions. Process debit and credit cards as well as ACH transactions.

AxxonPay stands out as a leading provider of payment solutions and acts as a direct bank card acquirer tailored for high-risk merchants. We deliver a comprehensive selection of payment services encompassing Visa, Mastercard, JCB, UnionPay, as well as a variety of alternative payment options for customers around the world. Our technologies, which are driven by data, are specifically designed to meet the requirements of e-commerce businesses, ensuring that online transactions are straightforward, secure, and free from complications. Our payment gateway enables an integrated omnichannel payment experience, which merges acquiring capabilities with over 100 payment options, mass payouts, and innovative technology through one seamless connection. AxxonPay ensures rapid fund transfers at the click of a button, allowing clients to enjoy lower operational expenses and quicker market entry for growth initiatives, while achieving an ideal equilibrium between conversion rates and security measures. With a workforce exceeding 700 individuals, AxxonPay maintains a worldwide footprint with offices located in four different countries, and we operate under the licensing of the FCP in the UK. This extensive global presence enables us to provide exceptional support and services to clients, further enhancing their payment processing experiences.

CutPay provides a variety of card machines designed for businesses eager to facilitate in-person transactions. In addition to this, CutPay offers comprehensive ecommerce solutions that create ideal conditions for your business to thrive online. With CutPay’s virtual terminal, you can effortlessly and securely process both credit and debit card payments made over the phone or via faxed orders. By utilizing the CutPay EPOS system, you can enhance efficiency, reduce costs, and improve customer service. Whether your enterprise is a small local shop with a single register or a vast international franchise with multiple locations, CutPay is equipped to meet all your business needs. This service is beneficial regardless of whether you operate a restaurant, retail outlet, or an online store, as it can lead to reduced transaction fees and an increase in revenue, significantly impacting your overall profit margins. Our commitment extends beyond competitive pricing; we also provide outstanding customer support, ensuring that our expert team is always available to assist you with both setup and operational queries. With CutPay, you can focus on growing your business while we take care of your payment processing needs.

RiskPay delivers a secure, frictionless payment gateway designed to support high-risk merchants who struggle with traditional providers. The platform enables instant onboarding without KYC, allowing businesses to generate anonymous payment links and begin processing transactions in minutes. Merchants can integrate with WooCommerce through a native plugin or connect directly using APIs for custom setups. RiskPay supports credit and debit cards, Apple Pay, Google Pay, SEPA, ACH, and other alternative payment methods while offering instant USDC (Polygon) payouts with complete transparency. A wide selection of payment gateways—such as Revolut, Robinhood, Coinbase Pay, and Stripe—ensures strong conversion rates and global acceptance. The service prioritizes security with fraud protection, PCI DSS compliance, and reliable, fast payouts. Businesses can track payments in real time, verify transactions on-chain, and view full payout histories through an intuitive dashboard. With flexible pricing plans, rapid approvals, and dedicated support, RiskPay empowers high-risk merchants to grow without payment limitations.

A single platform. A dedicated partner. Endless global opportunities await. Unify your operations with our comprehensive end-to-end payment technology solution. Enjoy the full spectrum of services Nuvei provides without the hassle of switching providers. Indeed, we prioritize choice, adaptability, and redundancy in our offerings. Integrate us into your gateway infrastructure for accelerated growth and broader geographic reach, or utilize our complete platform to unlock maximum advantages. Benefit from our partnerships with over 200 global acquirers to seize every payment opportunity, enhance acceptance rates, and lower operational expenses. Elevate your payment processing capabilities through our remarkable flexibility and customization options. Begin processing transactions swiftly; our platform seamlessly connects with various gateways, partner platforms, and eCommerce plugins. Embrace everything Nuvei has to offer without needing to change your provider. Truly, we stand for choice, adaptability, and reliability in the payment landscape. By choosing us, you gain a partner dedicated to your success in a rapidly evolving market.