Reliable Payment Processing for Every Risk Category
- High-Risk
- Medium-Risk
- Low-Risk
Whether you sell regulated products, online services, coaching, digital goods, e-commerce, supplements, firearms, vape, CBD, travel packages, debt-related services, or anything else — Guardian Pay Pros delivers merchant accounts designed around YOUR business model.
- Mid-Risk Approved
Account Status
Active
Total Processed
$1,240,500
GATEWAY
NMI / Auth.net
Bank
Wells Fargo
- High-Risk Approved
Why Traditional Processors Decline You
Most processors evaluate businesses using automated filters that instantly decline applications based on keywords or categories. We do not operate that way.
- Recurring billing models
- High refund rates
- Chargeback-prone industries
- Regulated products
- Claims-based industries
- Hard-to-verify usage
- High compliance needs
When others decline, we step in.
— Every generic payment processor
Guardian Pay Pros’ Underwriting Advantage
A smarter, human-first approach to getting you approved.
Multi-Bank Placement Strategy
We partner with multiple banks, meaning:
- More flexibility
- More approvals
- Better matching
- Better longevity
If one bank says no, we move to another – quickly.
Real People, Not Algorithms
We use manual underwriting with actual industry specialists who understand:
- Your business model
- Your fulfillment timeline
- Your chargeback risk
- Your customer demographic
You are evaluated as a real business – not a checkbox.
Faster Approvals
Our streamlined onboarding process means:
- Fewer back-and-forth requests
- Faster underwriting review
- Quicker account decisions
Most merchants receive approval within days – and some the same day when fully prepared.
Our Full Suite of Merchant Services
Card-Not-Present (CNP) Solutions
Designed for:
- e-Commerce
- Subscription Billing
- Coaching
- Online Service Businesses
- Online Education
- SaaS
- High-Risk Verticals
Card-Present Solutions
Ideal for:
- Retail
- Restaurants
- Salons
- Dispensaries
- Vape Shops
- Convenience Stores
- Gas Stations
- Service Businesses
ACH Processing
Great for:
- High-Ticket Payments
- Recurring Billing
- Industries with higher chargeback risk
(ACH disputes are different than credit card disputes)
Recurring Billing
Subscription billing tools built into gateways such as:
- NMI
- Authorize.net
- Other Supported Platforms
Payment Gateway Options
We integrate with:
Ideal for mainstream and hybrid merchants.
Additional reliable options for specific integrations.
The most flexible, robust gateway for high-risk merchants.
These gateways support:
- Fraud Filters
- Multi-MID Routing
- Tokenization
- Advanced Reporting
- Smart Transaction Routing
Hardware & POS
We offer:
- Clover Devices
- Dejavoo Terminals
- Mobile Readers
- Restaurant POS
- Retail POS
- Countertop Smart Terminals
Industries We Serve
We serve all industries, including:
High-Risk
- CBD
- Vape
- Nutraceuticals
- Coaching
- Firearms
- MSB
- Gambling
- Dating
- Adult
- Kratom
- Peptides
- and more
Medium-Risk
- e-Commerce
- Subscription Boxes
- SaaS
- Professional Services
- Consultants
- and all other medium-risk industries.
Low-Risk
- Retail
- Salons
- Restaurants
- Hospitality
- Gyms
- Gas Stations
- Local Business
- Home Services
- Accounting Firms
- Law Firms
- and all other low risk industries
Chargeback Management
We help merchants reduce chargebacks through:
Get Approved Today
Start your pre-qualification.
- Fast Review
- Simple Process
- No Pressure
