Pay Mountain
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Declined?Shut down?Done waiting?

High-risk merchant accounts placed with multiple banks.

High risk isn’t bad business. It just means fewer banks will say yes. We know the ones that do. Answer a few questions. We’ll handle the rest.

Rather talk? Call or text (352) 978-3676 anytime. We usually reply within 1–3 minutes, and you’ll get one of us three, not a call center.

You don’t pay us a thing.No fees from us and no contracts. You pay the bank’s normal processing rates, and the bank pays us. Not happy? We make it right.
Why us
01
Multiple banks

One “no” isn’t the end. We know who’s open to your industry.

02
We do the paperwork

We build your application with you and submit it.

03
Straight answers

A real person. If it won’t work, we tell you before you apply.

NutraSubscriptionsTravel+ More
Few quick questions2 min · $0

Don’t want to fill out the questions? Call or text (352) 978-3676 anytime and we’ll help you out. This should be as simple as possible for you.

We never sell or share your info.

After you hit submit

Here’s what happens.

1
We reach out

One of us three calls or emails you to talk it through. No script.

2
We build your file

After we talk, we tell you exactly what the banks need and put your application together with you.

3
We match you to multiple banks

Most high-risk businesses need more than one account. We build your submission plan, place you with the banks that fit, and work to get you all the volume you need. We keep you updated every step.

Good news

Nothing to prepare.

No paperwork up front. We talk first. After that, we’ll tell you exactly what your bank needs, and only what it needs.

Straight talk

We can’t promise a yes. Nobody honest can. We promise a real answer, and we’ll try more than one bank.

Reserves, explained

Some banks hold back a small slice of your sales for a few months as a safety net. If yours does, we’ll tell you the exact terms before you sign. Never after.

Fast replies

Call or text anytime at (352) 978-3676. We usually get back to you within 1–3 minutes.

Keep your account

Getting approved is half of it. We’ll help you get chargeback alerts and prevention set up so you stay processing.

Josh from the Pay Mountain teamJohn from the Pay Mountain teamCarley from the Pay Mountain team
No call center. Just us.

Josh, John and Carley: 26 years combined in advertising, sales and merchant processing. Carley has spent 9 of those years getting accounts approved.

Meet us →

Quick answers

Why am I “high risk”?

Usually it’s your industry, a history of chargebacks, subscriptions or recurring billing, or a past account closure. It’s about how banks see the risk, not about you being a bad business.

How long does approval take?

Usually about 1–3 business days once your application is in. It can vary with the bank, your industry and how much volume you need, and we’ll keep you posted the whole way.

Will there be a reserve?

Some high-risk accounts have one. If yours does, you’ll know the exact amount and how long it lasts before you sign anything.

Is there a contract?

No contracts and no cancellation fees. You stay because it works for you.

Will it work with my gateway or CRM?

We work with all gateways and CRMs. Just tell us what you need, and we’ll request it. The banks will figure out the rest.

Do I pay Pay Mountain anything?

No. There are no application or setup fees from us. You pay the bank’s normal processing rates, and the bank pays us once you’re processing.