Free tools
Free tools for high-risk merchants.
Straight answers about how mainstream payment processors treat high-risk businesses, sourced from each processor's own published terms and free to use. No account, no email wall.
Directory
Start with the lookup every declined merchant needs.
Already on a prohibited list?
Mainstream processors avoid high-risk. We underwrite the legal ones.
Those lists exist because mainstream processors are built to avoid high-risk merchants. Midnight Payments underwrites your category on purpose, with no long-term contract and the rate, any reserve, and settlement timing in writing before you sign.