Nutraceuticals and supplements
Vitamins, sports nutrition, wellness and weight-management brands, one-time or subscription.
High-risk merchant processing
Labeled high risk? Keep taking cards.
Card processing for businesses that banks and mainstream processors turn away. Customers check out with their cards through PayPal, Cash App and Venmo. Every sale settles to your wallet in stablecoins on the Polygon network, within minutes instead of days.
Same dayapproval decision
Minutesto receive funds
Norolling reserve
4%per transaction
Why merchants switch
A high-risk label shouldn't stop your sales
Processors flag whole industries as high risk, then decline the application, hold back your payouts or close the account with little notice. BBWholesale is built for the merchants they won't serve.
Typical high-risk processors
- Weeks of underwriting, then a decline for your industry
- Rolling reserves that hold back 5–10% of your sales for months
- Accounts frozen or terminated with little warning
- Payouts that take days to reach your bank
- Long contracts, setup fees and early termination fees
BBWholesale
- High-risk merchants are who we serve, not an exception
- An approval decision the same day you apply
- No rolling reserve: each sale pays out in full, less our fee
- Funds in your Polygon wallet within minutes of every sale
- Month to month: $100 a month plus 4%, no setup fees
Who we serve
Built for high-risk industries
If your processor has called your business high risk, we want to hear from you. These are some of the merchants we work with.
CBD and hemp
Hemp-derived products sold online, from tinctures and topicals to edibles.
Vape and smoke shops
E-liquids, devices and accessories, for online stores and retail.
Subscriptions and memberships
Recurring boxes, clubs and memberships that billing-averse processors won't touch.
Travel, tickets and events
Bookings and ticket sales paid well ahead of the date they're used.
Coaching and digital products
Courses, high-ticket coaching, info products and online services.
High-ticket and collectibles
Jewelry, watches, trading cards and other high-value goods with large average orders.
High-volume or new merchants
Fast-growing stores, new businesses without processing history and merchants with past chargebacks.
Don't see your industry?
Book a free consult and tell us what you sell. We'll give you a straight answer the same day.
Every application is reviewed. Your business must operate legally where you and your customers are located.
How it works
Card on the front end. Stablecoins on the back end.
Your customers use the payment apps they already have. You get your money within minutes, not the days a traditional bank payout takes.
Apply and get a decision
Tell us about your business. We review it and give you an approval decision the same day.
Connect your checkout
Install our WooCommerce plugin or connect our API. Most merchants are live in about 10 minutes.
Get paid in minutes
Shoppers pay by debit or credit card through PayPal, Cash App or Venmo, and each sale settles to your Polygon wallet in dollar-pegged stablecoins within minutes.
Pricing
Two numbers. No surprises.
High-risk pricing is usually buried in reserves, setup fees and contracts. Ours fits on one line.
$100
per month
network fee
network fee
4%
per
transaction
transaction
- Card payments through PayPal, Cash App and Venmo
- Stablecoin payouts on Polygon, in your wallet within minutes
- No rolling reserve, setup fee or long-term contract
- WooCommerce plugin and custom website APIs
- Same-day approval decision, live in about 10 minutes
- Direct access to our support team
Monthly card volume
$25,000
Transaction fees (4%)$1,000
Network fee$100
Total monthly cost$1,100
Your payout in stablecoins$23,900
Estimate only. Excludes any blockchain network gas or wallet fees outside BBWholesale.
FAQ
Common questions
What makes a business high risk?
Processors label a business high risk because of its industry, its chargeback rate, recurring billing, large order sizes or a short processing history. Being high risk doesn't mean you've done anything wrong. It means mainstream processors don't want the exposure.
I've been declined or shut down by another processor. Can I still apply?
Yes. Being declined or terminated elsewhere doesn't rule you out. Apply or book a consult, tell us what happened, and we'll give you a decision the same day.
Do you hold a rolling reserve?
No. Each sale pays out to your wallet in full, less the 4% transaction fee, within minutes.
How do my customers pay?
Customers pay with their debit or credit card through PayPal, Cash App or Venmo, the apps many of them already use every day.
How do I get paid?
You get paid in stablecoins sent to your wallet on the Polygon network. Stablecoins are pegged to the US dollar, so you avoid typical crypto price swings, and you can convert them to dollars through the exchange of your choice.
Is there a contract?
No long-term contract and no setup fee. Membership is $100 a month plus 4% per transaction, and you can cancel any time.
Does it work with my website?
If you use WooCommerce, install our plugin. For anything else, our API connects to your checkout. Not sure which fits? Book a consult and we'll walk you through it.
Ready when you are
Start accepting cards today
Get an approval decision the same day, go live in about 10 minutes, and receive your funds within minutes of every sale.