Business Details

Full description and what we offer

2Accept is a payment processor that specializes in high-risk industries—the ones that traditional processors like Stripe, Square, and PayPal reject outright. If you run a gun shop, dispensary, vape store, CBD retailer, or any other restricted business, this is the alternative you've been looking for.

Most payment processors use rigid risk frameworks and automated systems. They blanket-deny entire industries before reviewing your actual business. One firearms retailer got rejected by three major processors before finding 2Accept. Another gun shop was shut down mid-operation and couldn't find a replacement processor for months.

2Accept doesn't work that way.

Setup in 48 hours, not weeks.

You apply online (takes minutes), get assigned a dedicated payment expert, and go live within 48 hours. No endless documentation requests, no "we'll review and call you back in 6 weeks." This is actual speed.

The application requires: - Basic business information - Proof that you're operating legally in your jurisdiction - Properly signed application and supporting docs

If approved, you're processing payments in two days.

No coding required.

Most payment gateways expect you to handle API integrations. 2Accept handles that. You can accept payments: - In-person (card readers, terminals) - Online (integrated checkout, no developer needed) - Phone orders - Anywhere your customers are

Support from an actual person.

You get a dedicated payment expert, not a chatbot, not an email that takes 3 days to get a response. This person understands your industry, knows the compliance landscape, and stays with you as your business grows.

High-Risk (the ones others reject): - Firearms & ammunition retailers - CBD & hemp products - Vape & e-cigarette shops - Dispensaries & cannabis products - Adult entertainment - Bail bonds - Pawn shops - Online gaming & gambling - Fantasy sports platforms - Subscription services with high chargeback rates - Credit repair services - Debt collection agencies - Document preparation services - Nutraceuticals & supplements

Standard-Risk (standard businesses): - Restaurants & food services - Retail stores - Professional services - Gyms & wellness - Educational services - Non-profits - Event management - SaaS companies - Home services

Service	Details
Payment Processing	Card, ACH, eCheck, contactless
Fraud & Chargeback Protection	Real-time fraud alerts, dispute management, compelling evidence support
ACH & eCheck	Direct bank transfers, subscription billing
White-Glove Support	Dedicated expert, ongoing strategy
API Integrations	Connect to your existing systems without re-platforming
Payments Attorneys	Access to legal support for disputes

•Billions processed annually across their merchant network
•1 in $2,500 of US retail transactions runs through 2Accept
•300+ new customers last month
•48-hour approval from time of complete application

"After being turned down by three payment processors, 2Accept welcomed us with open arms. Our online sales have increased by 150% since switching." — Michael R., Firearms Retailer

"I run a dispensary, and 2Accept got me set up in just 48 hours. Stripe wouldn't even look at us, but 2Accept treated us like any other business." — Sarah L., Dispensary Owner

•Speed. 48 hours vs. weeks or months.

•Industry expertise. They're not learning your business model for the first time. They understand firearms compliance, cannabis regulations, adult industry chargebacks, subscription billing headaches—whatever your industry throws at them.

•No restrictions. They don't lock you out because you're in a "high-risk" category. You're their core business.

•Real support. A person answers. Same person every time. They know your account, your challenges, your growth plans.

•Transparent pricing. No hidden fees, no surprise rates. They actually publish what interchange costs and how they route transactions.

Your business must: - Be US-based and operating legally - Sell items/services that are provable to be legal - Not have open criminal cases or recent convictions - Not be blacklisted from payment processors via legal action - Not have active bankruptcies (additional review required)

Underwriting is harder for merchants with open criminal cases, recent convictions, or bankruptcies—you won't qualify for 48-hour approval and aren't guaranteed acceptance.

2Accept is a registered ISO/MSP of: - Merrick Bank (South Jordan, UT) - BMO Harris Bank (Chicago, IL) - Citizens Bank (Providence, RI) - The Bancorp Bank (Philadelphia, PA) - FFB Bank (Fresno, CA) - SSB Bank (Pittsburgh, PA) - Wells Fargo Bank - PNC Bank

They're a KNET Systems Corp company, so this isn't some startup with minimal infrastructure.