Specialty credit card processing for three decades.

Finding the right payment processor for a Specialty merchant account can be challenging. Luckily, at Humboldt Merchant Services, we’ve got you covered. 

We’ve been providing safe and secure, hassle-free credit card processing for merchants of all types and sizes for more than three decades. In a hard-to-place industry? Not a problem. We’ll custom-tailor a program for your specific needs, allowing you to focus on running your business.

Processing

PCI-compliant payment acceptance with robust fraud and chargeback mitigation tools.

Ecommerce

A secure, online payment gateway, multi-currency conversion, and more.

Retail

Serving all industries including the, “hard-to-place.” In-store, mobile, and EMV solutions.

Specialty payment gateways.

At Humboldt, we offer access to not one but two in-house payment gateways built specifically for hard-to-place merchants. That means we can oversee the entire ecommerce payment process, allowing us to provide you with card-not-present transactions that are fast, seamless, and safe. All while you enjoy the peace of mind that comes with PCI-compliant payment processing, continuous uptimes, and one point of contact to access our award-winning customer care and technical support.

A natural chargeback prevention partner.

While chargebacks can stifle the cash flow of any small business, merchants in specialty categories are particularly vulnerable to these customer disputes. Luckily, Humboldt offers tools to help you manage and reduce your chargebacks and keep your cash flowing.

Fraudcast Icon
Fraudcast.

Power your profitability with our innovative fraud and chargeback reduction tool that gives instant access to detailed reports with new email alerts delivered to your inbox every weekday.

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Real-time transaction reporting.

Log in to our online merchant portal to access easy-to-understand reports regarding your disputes, respond to chargebacks, submit documentation, and more.

What specialty industries do we approve?

At Humboldt, we are committed to simplifying the payments process for as many small to mid-sized businesses as possible. That's why we're approving merchants in more industries than ever before. In fact, we just added payment processing for 40 new verticals!

Icon Adult

Adult.

Icon Card Not Present

Card-not-present.

Icon CBD

CBD.

Icon Credit Repair

Credit repair & recovery.

Icon Firearms

Firearms.

Icon High Volume

High volume ecommerce.

Icon Nutraceuticals

Nutraceuticals.

Icon Online Gambling

Online gambling.

Icon Telemedicine

Telemedicine.

Icon Travel

Travel agencies & tour packages.

Don't see your industry listed? Have a less-than-ideal credit score? Don't worry; as long as your business is legal and based in the United States, chances are we can help you!


FAQs

A specialty merchant account is a type of business bank account that allows business owners to accept credit and debit cards even if they are in an industry with a higher risk of fraud and chargebacks. Under that criteria, a number of different business types can be considered specialty, including high-volume ecommerce merchants and businesses that accept a lot of card-not-present payments.

Specialty merchant accounts typically come with slightly higher fees to help offset the increased risk to the payment processor.

Now, more than ever, it is critical that you offer your customers as many ways to pay as possible while securing the lowest possible processing rates for you and safeguarding sensitive cardholder data.

At Humboldt, we have more than 30 years of experience helping so-called, “hard-to-place” merchants just like you process payments affordably and securely. We'll even give you access to the back-office tools and analytics-based data you need to streamline your operations and grow your business.

At Humboldt, we make applying for a high-risk merchant account a breath of fresh air. Fill out the form below and one of our high-risk experts will contact you as soon as possible. They'll tell you everything you'll need to provide (bank and merchant processing statements, etc.) for our Underwriting Department to approve your application.

While the approval process for hard-to-place merchant accounts tends to take a little longer, we do our best to make it as painless as possible. Thanks to our in-house Risk Management and Underwriting Departments, once you have supplied all required documentation, the process should only take a few days.

A natural partner to specialty merchants.

To learn how Humboldt can give you the peace of mind of safe and secure, hassle-free payment acceptance, simply enter your contact info below and one of our payments professionals will be in touch as soon as possible.