Merchant services for unique businesses that require transparency and white glove service.
Get approved.
Get paid.
Keep more of it.
All Pro Payments bundles your merchant account, gateway, chargeback protection, and ACH into one relationship — plus a program that recovers up to 3% of your processing costs. Built for businesses other processors turn away, including CBD and vape.
- No obligation to switch · Response within 1 business day
3%
of processing cost recoverable per transaction*
$0
Setup fee
None
Contract required
1 day
Typical response time
Merchant services for unique businesses that require transparency and white glove service.
Get approved. Get paid.
Keep more of it.
All Pro Payments bundles your merchant account, gateway, chargeback protection, and ACH into one relationship — plus a program that recovers up to 3% of your processing costs. Built for businesses other processors turn away, including CBD and vape.
- No obligation to switch · Response within 1 business day
The package
One relationship.
Everything your account needs.
Instead of stitching together a gateway here and a dispute tool there, every piece is bundled and managed under one point of contact.
Merchant ID (MID)
A dedicated card-processing account underwritten for your risk tier — not a generic one-size-fits-all setup.
Card processing
Payment Gateway
Take payments in-store, online, or on subscription — with tokenized checkout and recurring billing support.
Checkout
Chargeback & Dispute Management
Early alerts, guided evidence responses, and ratio monitoring so one bad month doesn't put your MID at risk.
Protection
ACH MID
A separate bank-to-bank account for lower-cost payments — and a backup rail if your card MID is ever paused for review.
Bank transfer
Surcharge Recovery, up to 3%*
A registered, compliant program that lets you recoup card-acceptance costs at checkout instead of absorbing them.
Cost recovery
The package
One relationship.
Everything your account needs.
Instead of stitching together a gateway here and a dispute tool there, every piece is bundled and managed under one point of contact.
Merchant ID (MID)
A dedicated card-processing account underwritten for your risk tier — not a generic one-size-fits-all setup.
Card processing
Payment Gateway
Take payments in-store, online, or on subscription — with tokenized checkout and recurring billing support.
Checkout
Chargeback & Dispute Management
Early alerts, guided evidence responses, and ratio monitoring so one bad month doesn't put your MID at risk.
Protection
ACH MID
A separate bank-to-bank account for lower-cost payments — and a backup rail if your card MID is ever paused for review.
Bank transfer
Surcharge Recovery, up to 3%*
A registered, compliant program that lets you recoup card-acceptance costs at checkout instead of absorbing them.
Cost recovery
Cost recovery
Keep more of what you process
Our surcharge & cash-discount program is built to shift card-acceptance costs to the customer choosing to pay by card — fully disclosed, fully compliant.
YOUR NET COST*
0%*
When your surcharge is set to match your true cost of acceptance, your net processing cost approaches zero.
CUSTOMER SURCHARGE CAP
3%
The maximum surcharge allowed under card-network rules — registered and disclosed at checkout.
*Assumes a properly registered surcharge or cash-discount program set at or below your actual cost of acceptance. Surcharge and cash-discount programs are subject to card-network rules and state-level regulations, which vary by state and may restrict or prohibit surcharging (debit card transactions can never be surcharged). Final program terms are confirmed during underwriting. This is general information, not legal advice — consult qualified counsel about your state’s requirements.
WHY ALL PRO PAYMENTS
Built different from a typical high-risk processor
| All Pro Payments | Typical High-Risk Processor | |
|---|---|---|
| Underwriting fit | ✓Matched to your vertical | Often one-size-fits-all |
| Tools included | ✓MID + gateway + chargeback + ACH + surcharge, bundled | Stitched together separately |
| Chargeback defense | ✓AI Chargeback Agent | Manual, slow, often DIY |
| Setup fee | ✓$0 | Often $99+ |
| Contract | ✓None required | Often 1–3 year lock-in |
Products
Tools that get you paid, built into every account
Easy Invoice & Pay
Build a professional invoice in minutes with a pay button built right in — your customer clicks once and pays instantly.
Invoicing
Text to Pay
Get paid up to 50% faster. Just enter a cell phone number and the invoice total, then hit send — your client gets a text with a payment link. It's that easy.
SMS payments
Pay Links
Generate a secure, one-time payment link for any amount and share it however works best — text, email, or chat. No portal or login required.
Payment links
AI Chargeback Agent
Let Chargeback Agent handle the workflows you spend hours on — collecting evidence, building arguments, and fighting disputes on your behalf. All with the speed and intelligence of AI.
AI-powered
Pay Links & Text to Pay
Send a payment request, get paid in seconds
Create a payment request with an amount and description, send it to a phone number by text, and your customer pays with a single reply — no app, no portal, no login.
Industries we know
Built for the businesses other processors won't touch
CBD & Hemp
Vape & E-cigarette
Nutraceuticals & Supplements
Subscription & E-commerce
Collections & Debt Services
Travel & High-Ticket
Onboarding
Three steps from application to your first transaction
Apply
Tell us about your business and volume. We'll tell you exactly which documents your industry needs before you submit — no back-and-forth guessing
Get matched & approved
We route your file to whichever banking partner fits your risk profile best, so you're not stuck with a one-size-fits-all decision.
Start processing
Your MID, gateway, ACH account, and surcharge program go live together — with one team to call if anything needs attention.
Accept every major card & wallet
SURCHARGE FAQ
Common Questions About Cost Recovery & Approvals
Is surcharging legal in my state?
It depends on where you operate. Most states allow surcharging within card-network rules, but a handful restrict or prohibit it entirely, and others require specific disclosures. We confirm your state’s requirements as part of underwriting — this isn’t something to guess on.
Do I need to disclose the surcharge to customers?
Yes. Card networks require clear disclosure at the point of sale, on receipts, and on your website if you sell online. Our program builds these disclosures in, so you’re not left guessing what needs to be posted where.
Can I surcharge debit card transactions?
No. Debit card transactions cannot be surcharged under any circumstances, even if the card is keyed in manually as a credit transaction. A cash-discount structure may be a better fit if you want to offset costs across all payment types.
What's the maximum I can surcharge?
Card-network rules cap surcharges at 3% of the transaction, and the amount can never exceed your actual cost of accepting the card. If your real processing cost is lower than 3%, you can’t charge the difference as extra profit — the surcharge has to reflect your real cost.
Ready to see what's possible for your business?
Get a straightforward answer on what your industry needs — no obligation, no pressure.
Schedule a Demo
Tell us about your business. We’ll come back with real pricing and which of our partners fits your industry — usually within one business day.
- No cost, no obligation
- Straightforward answer on what your industry needs
- One point of contact through approval and beyond