Secure. Compliant. Built for Businesses Others Won’t Touch.

If your business has been labeled high-risk, traditional payment processors might turn you away—or lock you into high fees and restrictive terms. At Xcaliber Solutions, we specialize in high-risk credit card processing designed to help you accept payments securely, reduce chargebacks, and grow with confidence.

We work with industries that face higher scrutiny and provide the tools and support you need to process payments safely, stay compliant, and protect your bottom line.

What Is High-Risk Credit Card Processing?

High-risk credit card processing is a specialized service built for businesses that have higher-than-average chargeback rates, sell in regulated industries, or offer recurring billing. Whether you’re in e-commerce, CBD, adult services, gaming, or travel, our solutions are tailored to reduce risk and keep your merchant account active.

Key Features

  • Fast, Flexible Approvals
    Get up and running quickly—even if you’ve been declined elsewhere.

  • Chargeback Prevention & Dispute Management
    Integrated tools like RDR, Ethoca, and CbS help you stop chargebacks before they hit and respond faster when they do.

  • AI-Powered Fraud Detection
    Block high-risk transactions with real-time machine learning algorithms that monitor every payment.

  • Global Payment Support
    Accept payments in multiple currencies with support for cross-border commerce.

  • Recurring Billing & Subscription Support
    Built-in tools for businesses with subscription-based or installment models.

  • Rolling Reserves & Risk Management
    Customized reserve structures to keep your business protected and your cash flow steady.

high-risk merchant card services

High-Risk Industries we Serve

CBD & Hemp Products

CBD & Hemp Products

Although legal in many regions, CBD and hemp sales face complex and constantly evolving regulations. Payment processors consider these products high-risk due to legal ambiguity, marketing restrictions, and a high rate of chargebacks related to product claims or delivery issues.

Adult Entertainment

Adult Entertainment

The adult industry faces heightened scrutiny from banks and card networks due to its content, potential for fraud, and reputation for elevated chargeback rates. Legal compliance and content moderation challenges also contribute to its high-risk classification.

Online Gaming & Gambling

Online Gaming & Gambling

Online casinos, sports betting, fantasy leagues, and other gaming platforms are considered high-risk because of strict legal restrictions, high transaction volumes, and concerns over fraud, underage users, and compulsive spending behavior.

Subscription Boxes & Memberships

Subscription Boxes & Memberships

Recurring billing models are frequently disputed due to forgotten renewals, cancellation issues, or product dissatisfaction. High refund requests and chargebacks related to billing transparency make this sector high-risk for processors.

Travel, Ticketing & Hospitality

Travel, Ticketing & Hospitality

This industry is prone to cancellations, delayed services, and customer dissatisfaction—all of which increase chargeback risks. Long windows between purchase and service delivery also add financial exposure for processors.

Nutraceuticals & Supplements

Nutraceuticals & Supplements

Health and wellness products often face chargebacks due to exaggerated claims, dissatisfaction with results, or recurring billing complaints. The industry is also subject to regulatory scrutiny over product safety and marketing practices.

Why Choose Xcaliber Solutions?

Xcaliber doesn’t just help you accept payments—we help you stay in control of your revenue. Our proprietary platform, XProtect, gives you real-time visibility into your transactions, risk profile, and dispute trends, so you can act fast and stay compliant.

With Xcaliber, you get:

  • Industry expertise in high-risk merchant services

  • Powerful analytics and reporting tools

  • Friendly fraud and chargeback mitigation support

  • Transparent pricing and expert guidance every step of the way

Ready to Accept Payments Without Fear?

Stop worrying about account freezes, excessive fees, or hidden penalties. With high-risk credit card processing from Xcaliber Solutions, your business gets the payment infrastructure it needs—with the compliance, protection, and flexibility it deserves.

📞 Talk to a high-risk merchant expert today or click below to request a free quote.

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