High-risk specialists
Declined elsewhere? Start here.
PayWavez specializes in the industries most processors won’t touch. Every account below is underwritten individually against the specific compliance factors that actually matter for that category — not a blanket decline over the category name.
No sales call required to apply. Free terminal placement for qualifying merchants.
CBD & Hemp
Federally legal. Still declined everywhere else. Not here.
Retail and card-not-present sales, ongoing bank reluctance despite federal legality, and lab-testing requirements.
Cannabis-Adjacent Retail
Selling around cannabis without banking in circles.
Accessories and paraphernalia retail, where banks stay cautious even with no plant-touching product.
Adult Entertainment
Discretion and approval, without the moral judgment.
Elevated chargeback rates, age-verification requirements, and discreet billing-descriptor needs.
Online Gaming
Skill, chance, or somewhere in between — priced correctly.
Real-money gaming distinctions, bonus-abuse and fraud exposure, and state-by-state legality.
Nutraceuticals & Supplements
Continuity billing without the FTC red flag.
Navigating free-trial funnels and continuity billing securely under FTC guidelines to protect your merchant account.
High-Ticket E-Commerce
Big-ticket orders, underwritten for the size of the sale.
Large average order value, longer fulfillment windows, and a prime target for fraud.
Vape & E-Cigarette
Age-restricted. Still approvable.
Age verification at checkout, PACT Act shipping compliance, and shifting flavor/nicotine regulation.
Firearms & Ammunition
FFL-friendly processing, not a blanket decline.
High-ticket items and FFL-adjacent sales, with category-based banking reluctance regardless of compliance.
Subscription & Continuity Billing
Recurring revenue, underwritten for the chargeback pattern that comes with it.
Auto-renewal billing, forgotten subscriptions, and cancellation-friction disputes.
Telemarketing
Outbound sales, underwritten for the calls that come with it.
Card-not-present phone sales, TCPA compliance exposure, and elevated fraud/dispute scrutiny.
Don’t see your industry, or run a specialty category? See our Standard Industries page, or get in touch.