Payment solutions for business that don't fit the mold
We specialize in the hard-to-place, the controversial, and the cutting edge. Whether you're an innovator or an underdog, we're here to get you approved and scaling fast.
Solutions
Credit Card Merchant Accounts
Skip the middlemen and secure competitive rates with established banking partners that understand your industry.
FedNow/RTP Instant Payments
Power instant bank-to-bank transfers with L3 RTP, built on the FedNow and RTP networks. Get real-time funding, lower costs, and faster settlements. Learn more →
Business Intelligence Software
Unlock deep payment analytics with MidBI—track trends, monitor performance, and uncover insights that drive smarter decisions.
Connect seamlessly to your merchant data for real-time visibility and reporting.
Risk Management Software
Leverage real-time insights from MidBI to spot anomalies, monitor risk indicators, and act before issues disrupt your processing.
Stay ahead of fraud, compliance challenges, and account reviews with intelligent alerts and dashboards.
ACH Merchant Accounts
Streamline payments with L3’s ACH solutions, built for reliable, low-cost bank transfers and recurring billing.
Ideal for merchants who want direct deposits without card network fees.
Chargeback Prevention and VAMP Compliance
Reduce disputes and stay ahead of thresholds with MidBI’s VAMP module, tracking ratios in real time and projecting compliance trends before they become problems.
Protect your merchant accounts with actionable data and proactive alerts.
Why L3 Payments?
Trusted Expertise
Nearly two decades of direct merchant account placement experience, connecting businesses with the right banking partners when others can't.
High-Risk Specialists
Dedicated focus on card-not-present (CNP) and e-commerce merchants facing banking challenges due to industry classification.
Seamless Solutions
Custom payment processing systems designed specifically for businesses that traditional providers often reject.
White Glove Service
Our team of specialists is dedicated to supporting you at every stage, offering prompt responses and tailored assistance to foster your business's growth and sustained success.
Data Driven Results
Leverage data analytics through MidBI for performance tracking, fraud monitoring, and compliance insight—empowering smarter decisions across every account.
Bank-Level Partnerships
We connect you directly with our acquiring banks, eliminating unnecessary layers and delays.
Understanding "High-Risk" in Payment Processing
Don't let the "high-risk" label scare you - it's just a banking classification, not a reflection of your business's quality or potential. We specialize in navigating these complexities to secure the perfect merchant accounts for your unique situation.
1
Complex Regulations
2
Recurring Billing
3
High Chargebacks
4
Extended Delivery
Our expertise lies in working with banks that understand and are not afraid of your industry, who view your industry as a partnership opportunity, not a liability.
Industries We Serve
CBD / Cannabis
Compliant payment solutions for the evolving cannabis and hemp market.
Nutraceuticals & Supplements
Secure processing for subscription vitamin, supplement, and wellness businesses.
Straight-sale
Direct-to-consumer sales with streamlined processing.
Continuity/trials
Subscription and trial offer solutions with flexible billing.
Anti-aging
Specialized processing for age-defying products.
Peptides
Payment solutions for peptide therapy & research.
Performance enhancers
Merchant accounts for fitness and performance supplements.
E-Cigarettes / Vape
Specialized merchant accounts for the vaping and e-liquid industry.
Multi-Level Marketing (MLM)
MLM payment solutions with commission management.
Travel & Hospitality
Payment processing for travel agencies, booking platforms, and hospitality.
Adult & Cam Sites
Discreet, secure payment solutions for adult entertainment platforms.
Telehealth / Online Pharmacy
Compliant processing for telemedicine and online pharmacies.
Hotels and Lodging
Streamlined payment processing for hotels, motels, and lodging.
Insurance and Warranty
Secure payment solutions for insurance premiums and warranty services.
Legal Services
Compliant payment processing for legal firms and consultation.
Fantasy Sports
Specialized payment gateways for fantasy sports platforms and contests.
Taxes and Accounting
Efficient payment solutions for tax preparation and accounting services.
Veterinarians
Seamless payment processing for veterinary clinics and pet care.
Gyms, Fitness and Yoga
Flexible payment options for fitness centers, gyms, and yoga studios.
Event Ticketing
Secure and scalable payment solutions for event ticketing and registration.
Home Goods and Furniture
Reliable payment processing for home goods and furniture sales.
Medical Billing
Compliant payment solutions for medical billing and healthcare services.
Nightlife
Tailored payment processing for bars, clubs, and entertainment venues.
SaaS
Subscription-friendly payment solutions for Software-as-a-Service.
Lending
Secure payment processing for loan disbursements and repayments.
Non-profits
Donation and fundraising payment solutions for non-profits.
Cannabis Related Businesses
Compliant processing for various cannabis-related businesses.
Digital Pharmacy
Secure payment solutions for online prescription fulfillment.
Skilled Gaming
Specialized payment processing for skilled gaming and e-sports platforms.
Wine and Liquor
Age-restricted compliant payment solutions for wine and liquor sales.
Watches and Jewelry
High-value transaction processing for luxury watches and jewelry retailers.
Health and Beauty
Payment solutions for health, beauty products, cosmetics, and salons.
If a bank services your industry, we will connect you with customized solutions tailored to your specific risk profile and business model.
Get Started in Minutes
Quick Intake
Complete our streamlined intake with minimal paperwork required.
Expert Consultation
Connect with a payment specialist who understands your industry's unique challenges.
Account Approval
Receive your merchant account credentials and begin processing payments.
Most submissions processed within 24 hours
Start accepting payments faster with our streamlined approval process.