Welcome to Command Payment Solutions!
High-Risk & Retail Merchant Accounts

Get approved where other banks say no.

Command Payment Solutions places high-risk and retail merchants with the right processors and banks — low rates, genuine account stability, and a team that stays with you long after approval. Over 90% of high-risk businesses approved, most live in 2–3 business days.

90%+ approvedhigh-risk merchantsLive in 2–3 daysfrom application24-hour responseoften within the hour
Black credit card beside a modern payment terminal
90%+ approvedhigh-risk merchants
2–3 business daysto start processing
24-hour responseoften within the hour
Cards, ACH & eCheckunder one roof
90%+
High-risk businesses approved
24hr
Typical application response
20+
Banking & processing partners
2–3 days
Average account boarding
What We Do

Merchant solutions built for the accounts banks avoid.

One partner for card processing, high-risk approvals and alternative payments — all under low, stable rates.

High-Risk Merchant Accounts

Approved when the big banks decline you. We board over 90% of high-risk businesses — eCommerce, recurring billing, travel, nutra and more — at rates that stay competitive after onboarding.

Credit Card Processing

Accept every major card online, by phone, or card-present. Reliable processing on robust networks, transparent pricing, and support that actually answers the phone.

Check21 & ACH

Add eChecks and ACH to capture an extra 3–36% of revenue — and approve the customers who don’t qualify for cards at all.

Payments consultant working at a laptop in a dusk-lit office
Who We Are

A fast, quality-driven provider for card processing and ACH.

We service all legal merchant types — low, medium and high risk. We can get your merchant account up and running at a great rate and, more importantly, keep it running.

Accepting credit cards widens your market by roughly 75 million U.S. cardholders. Pair that with ACH or check services and you stop losing sales to a payment method you don’t offer.

Why Command

Low rates. Real stability. Service that stays.

Low, stable rates

Competitive pricing that doesn’t quietly creep up once you’re onboarded.

Account stability

Relationships with multiple banks mean your account stays open and processing.

Alternative payments

eCheck and ACH options that capture the revenue cards simply can’t.

Multiple processors & banks

We shop your file to the right partner instead of forcing you into one box.

Unparalleled service

A real specialist who takes care of you through the whole account lifecycle.

In it for the long term

We want your business for years — so we’re committed to your success.

How It Works

From application to processing in days, not weeks.

1

Apply in minutes

Send us a few details about your business. We respond within about 24 hours — often the same day — with real options.

2

Underwriting & approval

We match your file to the right bank and processor. Over 90% of high-risk merchants get approved.

3

Start processing

You’re typically live in 2–3 business days, accepting cards, ACH and eChecks.

Merchant Stories

Trusted by merchants others turned away.

“

Command Payment Solutions is a true professional operation. Honest, prompt, and they get the job done.

SSSmith S.Verified merchant
“

The best in the business. I’ve been with them for years and they have always been completely helpful.

TWTrent W.Customer since 2009
“

They provided support at all hours and really helped me get my merchant account and card processing set up in a high-risk business.

MPMichelle P.High-risk merchant
Apply Now

Get your rate & approval — fast.

Fill out the form and a specialist will call or email you — usually within the hour — with real options for your business. No obligation, no pressure.

Merchant Application

●Secure & confidential. Takes about two minutes.

No obligation. We never sell your information. Prefer to talk? (877) 354-8900

Our Banking Network

Over 20 processors and banks behind every account

We shop your file across our network instead of forcing you into one box — which is how we keep rates low and accounts open.

Domestic acquiring banksOffshore acquiring banksVisa & Mastercard networksAmerican ExpressDiscover NetworkACH originating depositoriesCheck21 processorsGateway & terminal providers

Ready to get approved?

Join the merchants who found a payments partner that actually has their back.