Gateway options
Authorize.net, NMI, USAePay, and PayTrace options depending on fit.
About Midnight Payments
High-risk merchant approval for online and B2B companies.
Midnight Payments helps U.S. ecommerce and B2B merchants get reviewed for payment processing when mainstream rails decline the category, freeze funds, or price the risk like a penalty.
Vertical-aware review before the first transaction.
Midnight Payments is built around categories that mainstream processors often reject or shut down: supplements, adult, travel, firearms ecommerce, online pharmacy, telemedicine, vape, debt collection, cannabis ancillary and B2B, credit repair, cryptocurrency, research peptides, gambling, and kratom.
Each of those categories fails underwriting for a different reason, so each gets reviewed on its own terms. A supplement brand is priced for continuity-billing chargebacks, a travel agency for the gap between booking and trip, a collection agency for payment-plan and consumer-complaint risk.
Generic high-risk pricing treats them all the same. Category-aware review does not.
Capability proof
Payment infrastructure for high-risk account fit.
Recurring billing
Support for subscriptions, memberships, auto-refills, and payment plans.
Risk controls
Fraud tools, chargeback workflows, tokenization, and settlement visibility.
24-hr approval
1,600+ U.S. businesses served by our network
$4.7B+ processed across our network
90%+ of legitimate merchants approved across our acquiring network
What 15 years in high-risk processing buys you.
A category-aware review only works through repetition, and the track record behind Midnight Payments is built on it: 15+ years in high-risk merchant services, 1,600+ U.S. businesses served, and more than $4.7 billion processed across our network.
That history is the difference between pricing your actual risk and declining your category on sight. The patterns that get a supplement, telehealth, or firearms-accessory account frozen elsewhere are familiar here, which is why they are reviewed up front instead of discovered after a hold.
Plain terms without public teaser rates.
Midnight Payments quotes pricing per business, from the merchant's statement and actual risk profile rather than a rate card, and puts the rate, any reserve, and the settlement schedule in writing before anything is signed. See how fees are reviewed before requesting terms.
What Midnight Payments will and won't do.
Straight answers matter more than a polished pitch in a category where merchants have usually been burned twice. Here is where Midnight Payments stands:
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No teaser rates.
Honest high-risk pricing comes from your statement, not a public number.
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No long-term contracts, and the rate, any reserve, and settlement timing in writing before you sign.
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Focused on online and B2B processing, not retail POS.
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A form-first path through Get Approved, so the review starts with the details that actually determine fit.
Get reviewed
Start with the payment model you actually run.
Share the vertical, monthly volume, current processor status, and any recent statements so Midnight Payments can route the review around the real risk.