Industry underwriting
High-risk industries
See how the business model, MCC, licensing, delivery timing, recurring billing and customer-funds flow can change payment underwriting.
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- 01
Adult payment processing
Adult sites are not underwritten as one category. A subscription library, live-cam platform, creator marketplace, dating service, and physical-goods store can have different MCCs, card-network requirements, payment flows, and chargeback exposure.
Updated September 6, 2026 - 02
iGaming payment processing
An iGaming payment setup is approved market by market. The operator's license, player location, game type, legal entity, payment method, acquiring route, and payout flow all affect whether a transaction can be accepted.
Updated September 6, 2026 - 03
CBD merchant accounts
A CBD application is underwritten product by product. Hemp source, THC level, dosage form, ingredients, claims, customer location, fulfillment, and recurring billing can change both the legal review and the acquiring decision.
Updated September 6, 2026 - 04
Nutraceutical merchant accounts
Nutraceutical underwriting follows the actual catalog and sales funnel. Ingredients, labeling, health claims, trial or subscription terms, advertising channels, fulfillment, and processing history can matter more than the word used to describe the brand.
Updated September 6, 2026 - 05
Peptide payment processing
Peptide sellers cannot be underwritten from a category name alone. A research-reagent supplier, telehealth clinic, compounding pharmacy, outsourcing facility, manufacturer, and online drug seller operate under different product, licensing, prescribing, fulfillment, and payment conditions.
Updated September 6, 2026 - 06
Online pharmacy merchant accounts
An online pharmacy account is underwritten around the licensed dispensing operation. The pharmacy, states served, prescription path, drug list, prescribers, fulfillment, controlled-substance status, and customer support must line up with the entity taking payment.
Updated September 6, 2026 - 07
Crypto payment processing
“Crypto payments” covers several different arrangements. Accepting a digital asset from a buyer, settling merchant proceeds in a stablecoin, selling crypto to a customer, and paying out to a wallet are separate services with separate registration, underwriting, and funds-flow consequences.
Updated September 6, 2026 - 08
Forex payment processing
A trading platform is underwritten on its money movement, not on its charts. The regulated entity that holds the client relationship, the deposit and withdrawal routes, the return-to-source rule, and the dispute pattern on funded accounts decide which providers will approve the business.
Updated September 6, 2026 - 09
Digital content payment processing
A download store, software license, paid library, creator marketplace, and recurring membership do not create the same payment file. The seller of record, delivery event, MCC, renewal terms, and evidence of access determine how the account is underwritten and how a dispute can be answered.
Updated September 6, 2026 - 10
Travel payment processing
A travel checkout can sell a supplier's ticket, act as agent, package several services, or collect in its own name months before departure. The merchant of record, supplier-remittance chain, delivery date, cancellation duty, and refund liquidity decide the acquiring risk.
Updated September 6, 2026 - 11
Financial services payment processing
A lender collecting repayments, a broker funding an investment account, a remittance service, an e-money wallet, and a software vendor are not one payment model. The regulated entity, transaction type, customer-funds role, funding and withdrawal route, and licensed geography must be fixed before providers can be compared.
Updated September 6, 2026 - 12
Hospitality payment processing
A hotel payment flow is not one checkout. Prepaid rates, reservation guarantees, check-in holds, folio settlement, no-show fees, and post-stay charges happen at different times; the property, booking platform, and acquirer must agree who is the merchant, which MCC applies, and how every authorization is linked and released.
Updated September 6, 2026 - 13
Video game payment processing
A downloadable game, publisher web shop, monthly game pass, battle pass, in-game currency pack, player marketplace, and cash-prize contest are different payment products. The acquirer needs the seller, entitlement, currency loop, and chance-or-prize mechanics, not simply a “gaming” label.
Updated September 6, 2026 - 14
Streaming media payment processing
A subscription catalog, live-event pass, paid channel, rental or download store, creator-tip flow, and ad-funded service do not share one payment contract. The provider must know who sells access, whether charges recur, when content is delivered, and whether money is retained for creators.
Updated September 6, 2026