High-risk volume secured by Strata: $209,212,015+

Payment infrastructure for the industries banks turn away. Approved in 24–48 hours, from your first transaction to your millionth.

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Every major card network, wallet, and gateway

VISA
AMEX
DISCVER
PayPal
Pay
G Pay
v venmo
Z Zelle
$ Cash App
Bitcoin
ACH

Everything you need to keep processing.

Institutional-grade infrastructure and a team that picks up the phone — so high-risk never means high-friction.

Chargeback Protection

Real-time alerts, dispute representment, and prevention tools that keep your ratios in the safe zone.

Global & Multi-Currency

Accept payments worldwide in 135+ currencies with localized methods that lift conversion.

Fast Settlements

Predictable T+1 funding and competitive reserves so your cash flow stays healthy.

Seamless Integrations

Shopify, WooCommerce, and developer-friendly APIs with hosted payment pages.

Specialists in the accounts others decline.

Decades of underwriting relationships mean we place merchants banks consider too complex.

Operate in a category not listed?

Strata vs. the others.

What changes when you process with a high-risk specialist instead of a generalist.

Strata You
Typical processor
High-risk industries
Built for them
Frozen or declined
Time to approval
24–48 hours
2–4 weeks, if at all
Chargeback protection
Included & monitored
Paid add-on or none
Settlement speed
T+1 funding
T+3 & rolling reserves
Banking redundancy
Multiple acquirers
Single bank — one point of failure
Pricing
Transparent, flat
Hidden tiered markups
Crypto & alt payouts
ACH & USDT
ACH only
Support
Dedicated manager
Ticket queue

Your money, clearly in view.

Every Strata merchant gets the Merchant CRM — a real-time dashboard for cash collected, fees, payouts, and chargebacks. No spreadsheets, no guessing.

  • Live gross, net, and fee breakdowns — daily, weekly, monthly
  • Payout schedule and history, routed to ACH or USDT
  • Chargeback and dispute tracking before ratios become problems
  • Multi-merchant admin view for partners and agencies
Merchant sign in

From application to approved in four steps

Most qualified merchants are approved within 24–48 hours.

1

Apply

Tell us about your business, industry, and processing needs. Under five minutes.

2

Underwrite

We match you to the right banking partner and structure terms in your favor.

3

Approve

Get approved with a dedicated account manager assigned to your business.

4

Process

Integrate, go live, and accept payments with full monitoring in place.

Get approved in 24–48 hours.

No application fees. No commitment. A specialist will respond within one business day.

Talk to a specialist.

Questions before you apply? Reach our team directly on Telegram — fastest way to get answers.