What are reliable payment gateways for high risk businesses?

Topic summary

A Shopify merchant selling shoes was denied access to Shopify Payments, Stripe, and PayPal due to being classified as a “high-risk business,” despite selling physical products with tracking. This left them unable to process payments for over a week.

Multiple merchants report similar issues:

  • Sellers of t-shirts, custom apparel, and BBQ equipment faced identical denials
  • Some are based in countries where mainstream gateways aren’t available
  • Non-US residents and European merchants face additional geographic restrictions

Recommended alternative payment gateways:

  • Authorize.net - Most frequently suggested; integrates directly with Shopify checkout without redirecting customers; available in US, Canada, UK, Europe, and Australia
  • PayKings - Specializes in high-risk merchants; representative actively offering assistance
  • Merchant Ground - Focuses on high-risk approvals with Shopify integration
  • Other options: eMerchant Broker, Securepay, First Data Payeezy, SagePay (UK only), TSYS (US only)

Key considerations when selecting:

  • Direct checkout integration vs. external redirect
  • Geographic availability (many solutions US-only)
  • Merchant account requirements for non-US citizens
  • Subscription payment support

Status: Discussion remains open with merchants seeking Europe-specific solutions and sharing experiences with various providers.

Summarized with AI on October 27. AI used: claude-sonnet-4-5-20250929.

Hi @uksarms ,

Yes, Authorize.net is a widely used third-party gateway that is integrated with the Shopify platform, and it is available to merchants in many countries. Where are you based?

Kind regards,

Victor | Shopify Social Care