Alex KlimchenkoMerchant Services
A specialty online business owner packing orders in a modern fulfillment space

High-Risk and Specialty

Approvals where aggregators say no

For industries that get flagged or frozen by aggregators, North brands Humboldt Merchant Services and Signature Payments provide real underwriting for CBD, gaming, online pharmacy, telemedicine, and more. A stable home for businesses that have been turned away or shut down elsewhere.

What you get

Everything included, named out loud

  • Specialty underwriting via Humboldt and Signature
  • CBD, gaming, telemedicine, and more
  • Stability instead of sudden shutdowns
  • B2B and ACH automation via PayTrace

Who it is for

Built for owners in this exact spot

For high-risk and specialty merchants who keep getting deactivated by Stripe or Square.

How it works

From your statement to a real account in four steps

  1. Step 1

    Send your statement

    Upload or email your most recent processing statement. It takes a minute and there is no cost or commitment to look.

  2. Step 2

    See your real rate

    Alex reads it line by line and shows you your true effective rate, what is interchange, and what is pure markup.

  3. Step 3

    Board a real account

    If switching saves you money, you get a dedicated North merchant account in your name with transparent pricing and real underwriting.

  4. Step 4

    Keep a human on call

    After setup, Alex stays your point of contact. When something comes up, you call a person who knows your account.

In their words

Owners who made the switch

High risk with zero disputes and my old processor still cut me off. Alex placed me with one of North's specialty brands and I have processed without a single freeze since. Real relief.

Amara O.

E-commerce skincare founder

Stripe held sixteen thousand of my dollars and just kept sending me the same reply. Alex got on the phone the same day, walked me through why it happened, and set me up on a real account. Money has flowed on time ever since.

Marcus D.

Online apparel brand owner

My bill jumped three hundred dollars one month with zero explanation. Alex read my statement line by line and showed me exactly where the markup was hiding. I am paying less now and I finally understand my own rate.

Linda R.

Full-service restaurant owner

Common questions

The questions owners ask first

Square deactivated my account and held funds for 90 days. What are my options?

You can keep pressing Square in writing for the release, and you should. At the same time, the long-term fix is moving to a dedicated merchant account with real underwriting done before you process, so a single algorithm cannot shut you down mid-season. I will show you how to switch without downtime.

What is the MATCH list and how do I avoid it?

MATCH is an industry list of merchants terminated for cause, and landing on it makes getting a new account hard. The best protection is a properly underwritten account, accurate disclosures, and active chargeback management, all of which come standard here. If you are worried you may be flagged, tell me your situation and I will give you a straight read.

What kinds of businesses do you work with?

Retail, restaurants, contractors, healthcare, e-commerce, and high-risk or specialty merchants such as CBD, gaming, and telemedicine through North's specialty brands. Whether you are leaving an aggregator or starting to accept cards for the first time, there is a fit.

See all FAQs

See If You Qualify

Send your last statement and see your real rate. If switching would not save you money, Alex will tell you to stay put. It costs nothing either way, and a real human reads it with you.

See transparent interchange-plus ratesSee the areas Alex serves