Companies We Serve

High-Risk

What makes some businesses high-risk and others low-risk? Many executives are painfully aware of the drawbacks of being labeled high-risk, but are unsure of how they got there.

The 10 most common reasons that businesses might be considered high-risk are when:

The owner has poor personal credit or other high-risk factors such as a high amount of unpaid debts, recent bankruptcy, foreclosures, short sales, tax liens.
There is a lack of financial data that supports large volume or high-tickets. For example, a business seeking to process $100k per month with a high ticket of $50k, may struggle when they only keep a few hundred dollars in their bank account.
The business’ industry historically has high ratios of buyers remorse or chargebacks.
The ratio of chargebacks for the business is on the higher side.
There isn’t a clear return policy for the business.
Significant deposits are made for construction projects that might take a long time.
Services are prepaid for orders that might take weeks or months to fulfill.
Third-party companies are delivering products or subcontractors are completing work on behalf of the party that is collecting the payment.
Large portions of the consumer base of the business are overseas.
The card is taken for large tickets in a card-not-present environment.

NoRate™ seeks to mitigate these risks by presenting each application in the best possible light to appease the underwriters. We help guide businesses on applying to the right processor that will show more flexibility and understanding to some of the scenarios above.

If you’re worried about getting approved, having a reserve or any other conditions, contact NoRate™ today.

Don’t Pay Credit Card Processing Rates

See What Our Clients Say

We love to hear what our clients have to say about their time with us! So feel free to leave
us some feedback if you have worked with us in the past and love our work as much as we do.

Leave Us a Testimonial

“I have been with no Rate for almost 18 months and my credit card processing fees were reduced by over $30,000!”
Marc C.Accountant

“We have benefited from nearly a decade by having Robert and team navigate & mitigate complicated processing costs at our businesses. We are thankful...”
Marty S.Business Owner

“Absolutely hands down the best customer service you will find these days! In a time where it seems that customer service is dying off, it's nice to know...”
Rob M.Business Owner

“NoRate.com has got to be the best Merchant service provider I have ever worked with mostly impart to the customer service you will get from Robert...”
Plinio V.Business Owner

“I was referred to Robert by a friend of mine period and he did not disappoint exclamation point as a new business owner comma Robert made sure that...”
Yvonne L.Business Owner

“Robert was extremely thorough, detailed, and knowledgeable. The business that Robert was assisting with is in an industry that is considered extremely high risk...”
Clif C.Business Owner

“There are so many offers and sales pitches that the trust required to make the change has been hard to find. My client and I have been very fortunate to have found Robert...”
Christina P.Bookkeeper

“Robert was helpful & patient throughout the entire onboarding process with implementing credit cards for our business. A true pro every step of the way...”
Taimir T.Business Owner

“Thank you. 🙏
we have been in business for many years period no rate.com has given us a great experience period...”
Jan G.Business Owner

Why Choose Us?

$0 Application Fee

Really, no charge to start service with us.

$0 Early Termination Fee

Stay with us because you want to keep using our amazing services, not because we penalize you to leave. Our agreements are month to month without any early termination fee.

Education and Transparency

We will dive deep into your business to find the best solutions for your needs. We’ll walk you through our logic and always give you multiple options to choose from to make you 100% comfortable.

Ethics and Experience

The payments world is a dirty business without any licensure or certifications. We didn’t just pop up yesterday. Our parent company, Palm Beach Merchant Services, has been in business since 2009 and works mostly by referral.

Faster Collections

We want you to get paid easier and faster. Upgrade your capabilities to payments to keep your receivables at a minimum.

Full Access To The Marketplace

We don’t work for any credit card processors. We have access to all major processing networks including Elavon, EPX, Fiserv, Global/TSYS, Vantiv/WorldPay.

Happy Client Priority

We want our clients to be happy. If you are not happy with your platform or pricing model, we’ll be happy to make the changes necessary to meet your needs.

Increase Sales

We also want to help drive more sales for your business. By offering consumer financing or pay-over-time options, you’ll increase sales and conversions.

Multiple Layers of Support

You’ll receive a dedicated account manager from NoRate™ as well as direct 24/7 tech support. Whether you have a specific question about your processing setup or a tech emergency, we have you covered.

Next Business Day Funding

Get your money asap. Don’t wait multiple days to get paid when accepting credit cards.

No Garbage Fees

Credit card processors love to make up additional rates and fees. We don’t tack on any junk fees. You’ll know exactly what you are paying for.

Onboarding Support

We make sure that your transition is as seamless as possible when you change to a new platform, hardware or gateway.

Reviews From Happy Clients

There is a reason that we have a 5.0 star rating on Google with over 100 reviews. We strive to make our clients happy.

Security

We make sure that you are accepting payments in the most secure manner to protect your clients and your business.

Small Business, Big Reach

We are a small business just like yours. Whether your company is located near our offices or across the country, we’ll make you feel like part of our family.

Technology

We are constantly scouring the marketplace for the best and most secure technology. Don’t accept payments with outdated hardware or platforms that will fail you at the worst times.