Digital Payments for Global Businesses

Got questions? A representative can get in touch with you for a quick no-obligation phone consultation.



We make Credit Card Processingless confusing to understand

We know that a business may face unique payment challenges at different stages of growth. You have a problem and we have a solution. Please accept our no-obligation and complimentary consultation offer.

  • Fraud - Cyber Security monitoring at the top level for you and your clients.
  • Mobile - Fast and easy payments fully integrated for cell phone use.
  • Offshore Merchant Account – protection from international payments gateway being inaccessible.

This is a relationship

and we offer long-term stability

As situations arise and regulations in your industry change, your company will need a trustworthy partner to ensure that you stay compliant.

We offer technical support and sound advice with humans located in the USA. Give us an opportunity to earn your business today.




Use Cases

Online Gaming

Ask us about our top-level transactional security. This is the main concern for people who do not want their identity compromised online.


We are a suitable Forex broker payment gateway and Forex trading merchant account provider for your high-risk business.


Various categories include: videos and photos, webcam performance, clubs, dating sites, pleasure products, and entertainment services.

Cannabis Dispensaries

Unlike banks and other traditional processors, we may have a legal solution for people who sell and promote Cannabis products.


When derived from the hemp plant and sold as a medicinal product, CBD is “legal” in all states per the 2014 Farm Bill.


There is a difference between pharmaceuticals and nutraceuticals. We help you process payments for your nutra business.

Credit Repair

We serve you and your business. Plan B Payment Processing can also help credit counselors and credit restoring firms.

Health & Beauty

This industry has a higher amount of chargebacks. If a customer is unhappy with their product they can immediately demand a refund.

Merchants using Plan B
Countries we are in
Number of currencies we process
High risk solutions


Smart Contract API

Proprietery Gateway
Issuing Bank
Acquiring Bank
Blockchain or Settlement Bank


Frequency Asked Questions

The simple answer, a high-risk merchant account is designed for businesses operating in industries with elevated risks, such as adult entertainment, online gambling, or nutraceuticals. These accounts provide credit card processing services to businesses that traditional merchant account providers might consider high-risk.

High-risk businesses face a greater likelihood of chargebacks, fraud, or regulatory issues. Specialized high-risk merchant accounts offer tailored solutions to manage these risks and provide payment-processing services to businesses that might otherwise struggle to find payment solutions. We may be able to help you.

Several factors determine whether a business is considered high-risk, including the industry, credit history, processing history, and potential for chargebacks. To determine if your business qualifies, it’s best to consult with a high-risk merchant account representative who can assess your specific situation today.

While requirements may vary state to state, common things include business registration certificates, government-issued identification, bank statements, processing statements (if applicable), voided checks, and a description of your products or services. Federal laws must be followed at all times.

The approval process varies depending on the provider and the completeness of your application. It can range from a few days to a couple of weeks. To expedite the process, ensure that you submit all the required documents and provide accurate information during the application. Stay in touch with your onboarding representative.

High-risk merchant accounts often come with higher fees than traditional accounts due to the increased risks involved. Common fees include application/setup fees, transaction fees, chargeback fees, and monthly service fees. It’s essential to review the fee structure to understand the costs associated with your account. Ask us how it works.

Implementing robust fraud prevention measures is crucial. This can include using Address Verification System (AVS), Card Verification Value (CVV) checks, employing advanced fraud detection tools, and maintaining clear communication with customers to address concerns promptly. It’s also essential to have a transparent refund policy and clearly communicate it to customers.

Yes, many high-risk merchant account providers offer international payment processing solutions. They can help you accept payments in various currencies and provide solutions to manage currency conversion and mitigate risks associated with international transactions.

When selecting a high-risk merchant account provider, consider factors such as their experience in serving your industry, reputation, customer support quality, pricing structure, and the range of services they offer.

Yes, it is possible to switch from a traditional merchant account to a high-risk merchant account. However, it’s important to understand any contractual obligations or potential penalties associated with terminating your existing account. Consult with both your current and prospective merchant account providers to navigate the transition smoothly.

Plan B Payment Processing has a proprietary Gateway that is connected to over two dozen Acquiring banks and Processors.  It is important for a payment processor to be connected to many acquiring banks and processors because it helps to ensure the reliability of their payment processing services. By having multiple connections, the payment processor can route transactions through the most effective channel, helping to minimize processing delays and reduce the risk of transaction failures. Additionally, having multiple connections allows the payment processor to offer a wider range of payment options to merchants, enabling them to reach a larger customer base. Finally, multiple connections help to mitigate risks associated with reliance on a single acquiring bank, as diversification reduces the risk of any one bank’s failure impacting the entire payment processing operation. Overall, the ability to connect with many acquiring banks and processors is an important factor in a payment processor’s ability to deliver reliable, efficient payment processing services to merchants.

Plan B is able to support all types of high risk businesses, whether Unlicensed or Licensed Gaming, Forex, Adult, Nutra and many others, Plan B will find a home for your business. It is unlikely that a high-risk merchant account payment processor will provide an account for your business if you do not have a license, however, there are options available to explore. High-risk merchant accounts typically require businesses to have proper licensing, permits, and certifications in order to operate legally. This is particularly true in industries such as online gaming and gambling, where there are strict regulations around licensure and compliance. If your business is not properly licensed, it may be considered too high risk for payment processors to work with, as it could put them at risk of violating laws and regulations. Therefore, it is important to obtain any necessary licenses and permits before seeking a high-risk merchant account.

Plan B is fully integrated directly with multiple Crypto Exchanges that allows Plan B merchants to send and receive settlements in any type of Crypto rather than just Fiat. Yes, it can be a big benefit if your merchant account payment processor is connected to multiple crypto exchanges that allow settlements to be sent and received in cryptocurrency. This can be particularly beneficial for businesses that operate in the cryptocurrency industry, as it allows them to seamlessly convert their earnings from cryptocurrency transactions into other cryptocurrencies or fiat currency. It also helps to reduce the need for additional currency exchange fees and can streamline the settlement process for merchants. Additionally, having access to multiple crypto exchanges can help merchants take advantage of market conditions and find the best exchange rates for their needs. Overall, having a payment processor that is connected to multiple crypto exchanges can provide greater flexibility and efficiency for merchants in the cryptocurrency industry.


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