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High-Risk Payment Processing & Merchant Accounts

High-Risk Payment
Processing for Merchants
That Others Won't Touch.

Green.Money™ provides secure payment processing for high-risk merchants through GreenPay™, with greater protection against processing disruptions, rolling reserves, and extended holds.

Since 2008Established Direct Bank Processor
40,000+Active Merchants Processed
50M+Completed Transactions
99%+High Risk Account Approvals
  • CBD & Hemp
  • Kratom
  • Peptides
  • Supplements
  • Credit Repair
  • Subscription Billing
  • MMJ & Cannabis
  • Adult Content
  • Firearms & Tactical
  • Nutraceuticals
  • Nootropics
  • Smoke & Vape
  • Online Pharmacies
  • Lenders
  • Travel
  • Warranty Services
  • Tech Support
  • Document Prep
  • Timeshare
  • Jewelry
  • Logistics & Trucking

Simple Onboarding

Up and processing in three steps.

  1. 1

    Apply Online

    Submit your merchant application securely online.

  2. 2

    Connect Your Store

    Plug GreenPay™ into WooCommerce or Ecwid, or connect through our REST API.

  3. 3

    Process & Get Paid

    Transactions deposit directly into your commercial checking account.

Live Merchant Demonstration

See Bank Login Technology in Real Time.

See online banking authentication on a live merchant checkout.

1-Click Online Banking Sign-In

Customers authenticate without typing account or routing numbers.

Instant Account & Balance Verification

Confirm account status and balance before order fulfillment.

Direct Bank Deposits

Funds deposit directly on predictable timelines.

Payment Features

Comprehensive bank payment solutions for modern business.

RDC & Enterprise Image Cash Letter (ICL)

Rapid deposits, with up to 15,000 items in a single ICL batch.

Thanks to RDC technology we are able to make these rapid deposits. We also offer advanced features for large corporations, including Image Cash Letter (ICL) and Lockbox services. With ICL technology, process as many as 15,000 items in a single batch with an instant receipt from your financial institution. RDC technology is available for companies processing $10M a month or less. ICL is available above $10M.

Rapid Direct Deposits & Predictable Timelines

Next-day funding in most cases, same-day on specific payment rails.

No more funding delays! With Green.Money™ our processing speed gives you access to your funds super fast. Unlike credit and debit cards, we believe that you deserve access to your money without delays, or processing limits. It's your money after all.*

*Same and Next Day Funding only applies to specific payment rails.

Full-Service API & In-House US SDK

Full-service API and SDK, developed in the US.

For companies with in-house systems, Green.Money™ provides you with a full-service API and SDK (Software Developer's Kit) for seamless, secure integration. All development is done in our headquarters in the US by our professional team, handpicked for their exceptional skills, there to support all of your needs, in your language and time zone.

User-Friendly Email & SMS Invoicing

Send invoices by email or text and know when customers pay.

At Green.Money™ you get a user-friendly Email Invoicing system that works for you, sent by email or via link to use in a text message. Add as few or as many details as you like. Know exactly when a customer pays and electronically signs your invoice through our instant notification system. And for your records, we capture the customer's IP Address and send electronic receipts, reducing your risk exposure.

Simple & Complex Recurring Payments

Daily, weekly, bi-weekly, or any combination of billing schedules.

Our payment gateway allows you to create simple or complex recurring payments: Process monthly or set up daily, weekly, bi-weekly, Monday through Friday only, or any combination of recurring billing. Set up a single deposit amount and recurring payments without having to re-enter the same information again.

Seamless eCommerce Platform Plugins

WooCommerce and Ecwid plugins for your online store.

No matter which eCommerce platform you're using, Green.Money™ has you covered. We integrate seamlessly with many of the industry’s leading systems. For high-risk businesses needing reliable eCommerce functionality, we recommend our WooCommerce or Ecwid plugins.

Enhanced Commercial Bill Pay

Pay or deposit directly into US bank accounts.

While banks offer free bill pay, it has limited user capabilities. With Green.Money™, do more with your bill pay: We can process bill payments or deposit on your behalf directly into a personal or commercial bank account in the US.

Live-Signature Digital Verification

Capture and validate a live signature on large orders.

Protect your large orders, capture a live-signature from your customer to include with a debit processed to your bank. We validate every live-signature for smooth and rapid processing.

Embeddable Instant Payment Buttons

Add a payment button to your site with one line of code.

Buttons that can be easily integrated anywhere on your site, no need for a cart or costly development fees. Simply drop a line of code into your site and get paid right away!

Direct Advantage

Why high-risk merchants choose GreenPay™.

Capability & Protection
Traditional Processors & Aggregators
GreenPay™ by Green.Money™ Direct Bank Rails
Rolling Reserve Holds
10% to 20% held for 180 days
0% Rolling Reserves in Most Cases
Risk of Sudden Account Freeze
High risk of unexpected shutdown
Low risk with dedicated bank underwriting
Card Brand Fines & Penalties
Subject to heavy Visa and Mastercard fines
Zero card brand fines via direct bank rails
Direct Deposit & Funding Speed
3 to 7 business days with reserve holds
Next-Day direct bank deposit, Same-Day in some cases
See full comparison
Capability & Protection
Traditional Processors & Aggregators
GreenPay™ by Green.Money™ Direct Bank Rails
Recurring & Subscription Stability
Frequent card expiration and re-billing declines
Persistent direct bank authorization
High-Risk Industry Underwriting
Routinely restricted or terminated
Full underwriting support from day one
Turnkey Shopping Cart Plugins
Account bans on high-risk product categories
Native plugins for WooCommerce, Ecwid, and REST API
Protect your business cash flow with no reserve holds in most cases.Open Merchant Account

Built on a Foundation of Trust

Bank-grade infrastructure, built for your business.

  • Bank-Grade Security

  • Dispute & Account Protection

  • Established Since 2008

  • Dedicated US-Based Support

  • High Approval Rates

  • North American Coverage

Frequently asked questions

What is the difference between Green.Money™ and GreenPay™?

Green.Money™ is a premier payment processing company providing specialized financial processing solutions. GreenPay™ is our proprietary Direct Bank Payment Processing rail, allowing merchants to process bank payments safely and reliably.

How does GreenPay™ prevent 180-day fund holds?

Because GreenPay™ processes transactions through direct electronic bank authorization outside card brand network dispute programs, transactions deposit directly into your commercial checking account on predictable timelines without credit card rolling reserves or sudden account holds in most cases.

Which industries are approved by Green.Money™?

Green.Money™ specializes in underwriting high-risk and specialized eCommerce verticals including CBD & Hemp, Peptides, Kratom, Dietary Supplements, Credit Repair, Subscription Models, and more.

How fast do transactions deposit into my commercial checking account?

Most deposits arrive next-day, with same-day available in some cases, depending on your account structure and daily processing cut-off times.

Which shopping carts integrate with GreenPay™?

GreenPay™ features native plugins for WooCommerce and Ecwid, as well as a flexible REST API for custom website and app integrations.

See all FAQs

Ready to upgrade your payment infrastructure?

Join over 40,000+ merchants processing payments reliably with Green.Money™ direct bank rails.

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