{"id":546,"date":"2026-04-19T02:40:00","date_gmt":"2026-04-19T00:40:00","guid":{"rendered":"https:\/\/riskpaygo.com\/?p=546"},"modified":"2026-04-19T02:41:18","modified_gmt":"2026-04-19T00:41:18","slug":"soar-payments-and-alternatives","status":"publish","type":"post","link":"https:\/\/riskpaygo.com\/en\/soar-payments-and-alternatives\/","title":{"rendered":"Soar Payments: what it is, advantages and alternatives for high-risk merchants"},"content":{"rendered":"

If you sell CBD, supplements, travel, tickets, adult content, or anything that Stripe and PayPal reject, you already know how complicated it is to accept card payments.<\/p>\n

That\u2019s when Soar Payments (SoarPay) comes into play, because is a specialized processor for high-risk businesses<\/strong> that works with domestic and offshore banks and has an underwriting process designed for difficult profiles.<\/p>\n

In today's note, I\u2019ll tell you what it offers, its advantages, and the alternatives to this payment gateway so you can compare before deciding.<\/p>\n

What is Soar Payments?<\/h2>\n

\"what<\/p>\n

Soar Payments (also known as SoarPay) is a U.S. provider specialized in<\/strong> high-risk merchant accounts<\/strong> and regulated.<\/p>\n

Founded in 2015 in Houston, Texas, it focuses exclusively on businesses that most traditional processors reject due to high risk of chargebacks (dispute or reversal of purchases), fraud, or strict regulation.<\/p>\n

The most attractive thing is that it offers credit card, debit card, and ACH processing, with integrations for e-commerce (Shopify, WooCommerce, etc.) and gateways such as Authorize.net or NMI.<\/p>\n

Advantages for which it is growing as a benchmark in the high-risk sector in 2026<\/h2>\n

To get started, serves more than 50 industries<\/strong>, including CBD, nutraceuticals, firearms and accessories, telemedicine, supplements, ticket sales, travel, subscription boxes, and regulated services.<\/p>\n

In addition, it works with a network of domestic and offshore banks to place complex profiles or those with a history of problems. But aside from that, these are some of its other features:<\/p>\n

Specialization of more than 10 years<\/h3>\n

Many processors say they work with high risk, but for them it is a side business. And this is not the case with SoarPay.<\/p>\n

Since 2015, they have been dedicated solely to this, and it shows, since have direct relationships with specialized banks<\/strong>and an underwriting (verification) process that is designed for medium and high profiles, not for typical easy businesses.<\/p>\n

Fast approvals and high acceptance rates<\/h3>\n

Typical approval time? It is usually between 24 and 72 hours, even for complicated cases. In fact, Merchant Maverick<\/a><\/strong> It named it in 2026 as \u00abthe best option for quick approval\u00bb in the high-risk world. And when you need liquidity now, that\u2019s gold.<\/p>\n

Independent recognitions in 2026<\/h3>\n

It\u2019s not just marketing. TechnologyAdvice included it on its list of the 8 best high-risk merchant account providers<\/strong> for this year and, moreover, it was named \u00abBest Mid-Market High-Risk Specialist\u00bb.<\/p>\n

What does that mean in plain English? It means that if your business is medium-sized and you want stability without diving into weird offshore solutions, SoarPay is one of the best options.<\/p>\n

Educational approach and transparency<\/h3>\n

Here is something that almost nobody does, and that is educate. In the case of the platform, they have a podcast called \u00abHigh Risk Merchant Accounts 101<\/a><\/strong>\u00bb which in 2025 became number one in its sector.<\/p>\n

They talk about chargebacks, fraud, and compliance, and all without beating around the bush, which builds trust. Merchants come in knowing what to expect, and that attracts better customers.<\/p>\n

Dedicated support and hands-on experience<\/h3>\n

Support is in the United States, no external call centers where they keep passing you from one person to another. They guide you throughout the entire onboarding process<\/strong> and they give you tools to control chargebacks and fraud.<\/p>\n

They have been helping more than 1,000 merchants, and in regulated industries, where having a processor that doesn\u2019t suddenly close your account is key, that has a lot of value.<\/p>\n

And the drawbacks?<\/h3>\n

But since not everything that glitters is gold, Soar Payment also has some drawbacks:<\/p>\n