/ Merchant Accounts
A merchant account that says yes.
Direct MIDs underwritten in-house — across low and high-risk verticals — with named underwriters, transparent reserve terms, and 48-hour decisions. The relationship stays yours.
- Direct MIDs across multiple acquirers
- CBD, nutra, adult, firearms, gaming, crypto
- 48-hour decisions with documented reasoning
- No surprise terminations — 30-day notice minimum
/ Direct MIDs
Your own merchant ID. Your own ledger.
Skip aggregator instability. PayVeta provisions direct MIDs underwritten by our in-house team — across multiple acquirers in the US, EU, UK, and select APAC markets — so the relationship is yours, not borrowed.
- Direct MIDs across multiple acquirers
- Backup MID provisioning for high-volume merchants
- Reserves negotiated case-by-case, never punitive
- No surprise terminations — 30-day notice minimum
/ High-risk friendly
Verticals other processors quietly decline.
CBD, nutraceuticals, adult, firearms, online gaming, coaching, crypto on/off ramps — all underwritten by the same team that prices our SaaS accounts. We say yes or no within 48 hours and we tell you why.
- CBD, nutra, adult, firearms, gaming, coaching, crypto
- 48-hour decisions with documented reasoning
- Chargeback Shield included by default for high-risk
- No mid-relationship reclassification
/ Underwriting
Underwriting that talks to you.
A real human reviews each application. You get a named underwriter, a Slack channel during the review, and a written summary of conditions — so you can plan around them rather than discover them in production.
- Named underwriter per application
- Shared Slack channel during review
- Written summary of approval conditions
- Reserve schedules disclosed up-front
/ industries
Businesses other processors won't touch.
E-commerce, marketplaces, and high-risk verticals — CBD, firearms, adult, and crypto on/off ramps — all underwritten by the same in-house team. We tell you yes or no within 48 hours, and we don't drop merchants without a heads-up.
- 01 SaaS & Marketplaces in-house
- 02 E-commerce & Retail in-house
- 03 Subscription Commerce in-house
- 04 CBD & Nutraceuticals in-house
- 05 Travel & Hospitality in-house
- 06 Online Education in-house
- 07 Gaming & Digital Goods in-house
- 08 Telemedicine in-house
- 09 Crypto On/Off Ramp in-house
- 010 Adult & Dating in-house
- 011 Firearms & Ammunition in-house
- 012 Coaching & High-Ticket in-house
/ security & compliance
Your card data
never touches your servers.
PayVeta is a Level 1 PCI service provider. Sensitive cardholder data is tokenized in our HSM-backed vault and replayed against any acquirer in our network — so you can switch processors without re-prompting a single customer.
- AES-256 at rest, TLS 1.3 in transit, HSM-protected keys
- Continuous attack-surface monitoring & quarterly pen-tests
- Role-based access with hardware-key 2FA enforced for admins
- Vault tokens portable across MIDs — no vendor lock-in
/ faq
Merchant account questions
01 What does "high-risk" mean to PayVeta?
Industries with elevated chargeback ratios, regulatory exposure, or card-brand restrictions: CBD, nutraceuticals, adult, firearms & ammunition, online gaming & gambling, coaching/high-ticket, crypto on/off ramps, dating, and select travel verticals.
02 Do you take aggregator-style sub-merchants?
On the Startup plan, yes. For Scale and Custom, we provision direct MIDs in your business name. Marketplaces can also operate as payment facilitators with proper PCI scope.
03 What are typical reserve terms?
For low-risk merchants, no reserve is held. For high-risk verticals, reserves range from 5–10% rolling for 90–180 days, disclosed in writing before you sign. We do not change reserve terms unilaterally.
04 How fast can I be approved and live?
24 hours for low-risk; 48 hours for high-risk. Once approved, your MID is provisioned and you can take live payments the same day.
05 What documents do I need?
Standard KYB documents (formation, EIN, beneficial ownership), three months of processing statements if existing, business banking details, and a void check.
Get underwritten in 48 hours.
A named underwriter. Written conditions. Reserve terms disclosed up front.