High-risk merchant services
PayCompass is a Tempe, Arizona ISO founded in 2020 that sells merchant processing mainly through independent sales agents, with industry pages for dropshipping, vape, tobacco, travel and subscription businesses.
Strengths
Watch out for
Best for
US small and mid-size merchants, including dropshippers, who prefer working through a sales agent.
| Type | High-risk merchant services |
|---|---|
| Pricing model | custom quote |
| Card rate | Not published |
| International | Not published |
| Monthly fee | None for the online gateway (gateway page); merchant account fees not published |
| Setup fee | Not published |
| Chargeback fee | Not published |
| High-risk businesses | Yes |
|---|---|
| Dropshipping | Yes |
| Reserves | Not published |
| Payout speed | Not published |
|---|---|
| Merchant countries | Not published. The company describes itself as 100% USA-based; its offshore page mentions multi-currency processing in 170+ countries without listing where merchants can sign up. |
| Currencies | Not published |
| Shopify | Not published |
|---|---|
| WooCommerce | Not published |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Not published |
| Multiple MIDs | Not published |
| Token portability | Not published |
The dropshipping page cites typical transaction fees of 1.5% to 3.5% and the high-risk page cites 3% to 5%; neither is a rate card. Rates are set by volume, industry and risk profile.
The high-risk page names travel, subscription and tobacco as top verticals; industry pages also cover vape, digital goods, pharmacy and dropshipping. Approval is quoted at 3 to 5 business days. Reserves are not addressed.
No funding timeline is published.
Offers a payment gateway with virtual terminal and recurring billing. The gateway and dropshipping pages name no ecommerce platforms.
PayCompass sources · checked 2026-10-21