개요
SoarPay is a merchant services company that finds high-risk merchant accounts and payment gateways, including ACH options. It works with niches that mainstream banks often turn away.
Industries
The company lists among its clients:
- nutraceuticals and supplements;
- firearms sales;
- travel;
- credit repair services.
These niches share a higher risk of refunds, recurring billing or special regulatory demands, so they need an acquirer willing to accept that model.
Methods
- Cards — online acceptance for a website or subscription.
- ACH — US bank debits. This channel works as a backup if the card acquirer limits processing and as a cheaper option for recurring payments.
Onboarding
Applications go through an online form on the company's website. Approval is not automatic: the partner bank reviews documents, sales history and chargeback levels. Rates and reserves are not listed here; they depend on the niche, volume and how stable the business was with its previous acquirer. A fuller processing history makes approval easier.
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