[ SOL_08 // HIGH-RISK RETAIL ]
Stable processing for high-risk retail categories.
Liquor, smoke, vape, CBD, and other age-restricted retail handled by specialist underwriters — not pushed onto generic platforms that drop you mid-batch.
[ CATEGORIES ]
Specialist underwriting
[HR-01]
Liquor & Wine
- +MCC 5921 native
- +ID-scan workflows
- +Inventory-aware
[HR-02]
Smoke & Vape
- +MCC 5993 / 5999
- +Age-gating
- +Stable long-term acquirer
[HR-03]
CBD Retail
- +Compliant MIDs
- +Sub-1% chargeback ceilings
- +Proper documentation
[ STABILITY ]
Why merchants migrate to us
Generic processors classify high-risk retail as 'too risky' and shut accounts without warning. Specialist underwriters do not.
[STB-01]
No Sudden Holds
- +Reserves disclosed up-front
- +Predictable funding
- +Transparent risk policy
[STB-02]
Chargeback Defense
- +Card-present pre-empts most
- +Representment included
- +Alerts via Verifi / Ethoca
[STB-03]
Long-Term Accounts
- +Bank-direct relationships
- +5+ year average tenure
- +Backup MID option
[ FAQ ]
High-risk retail processing — FAQ
- Generally anything with elevated regulatory or chargeback risk: liquor and wine, smoke and vape shops, CBD retail, firearms, nutraceuticals, and certain age-restricted categories. These need specialist underwriting rather than auto-approval.
[ NEXT_STEP ]
Ready to deploy?
Compare retail processing options, hardware stacks, and settlement schedules tailored to your store.