Midnight Payments logo
high risk Miami, FL, United States Claimed

Midnight Payments

Midnight Payments helps high risk businesses get approved for a merchant account, including the industries conventional payment processors decline or shut down. Industries we work with include peptides, nutraceuticals and supplements, CBD, hemp and cannabis-related businesses, vape, kratom, firearms, telemedicine and telehealth, online pharmacy, adult, travel, debt collection, credit repair, crypto, gaming and gambling. Services cover high risk credit card processing, ACH and eCheck processing, recurring billing for subscriptions and memberships, chargeback management and payment gateways. US-based peptide brands, including startups with no processing history, can get accounts with no minimum volume and no rolling reserve. Our acquiring network approves 90%+ of legitimate merchants, and you get the rate, any reserve and settlement timing in writing before you sign.

Fees from
Custom
Settlement
Next business day
Coverage
Global
Payment methods
12
Dev tools
Sandbox Webhooks
Claimed & maintained by Midnight Payments

Fees shown are indicative, not a binding quote — always verify with Midnight Payments before signing. Visit Website is an external link; we may earn a commission.

Midnight Payments overview

Best for

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions

Key features

High Risk Accepted
Low Fees
Recurring Billing
Recurring Payments
Startup Friendly

Midnight Payments pricing & fees

Pricing structure

Pricing
Custom
Your business must be registered in
any country
Headquarters
Miami, FL, United States
Founded
2026

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Midnight Payments settlement & payouts

Payouts

Settlement time
Next business day
Settlement currencies
USD

Midnight Payments API & integration

API Profile

Sandbox
Not listed
Webhooks
Supported

Platforms

MobileOnline

Midnight Payments coverage & payment methods

Regions

GlobalNorth America

Supported countries

1 country
US

Payment methods

AchAmexApple PayCredit CardDebit CardDigital WalletDiscoverEcheckGoogle PayMastercardVirtual CardVisa

Midnight Payments licensing & compliance

Legal & Compliance

No public certifications listed. Check back as this provider's legal and regulatory profile is researched.

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