High-risk merchant services
Soar Payments now operates as SoarPay at soarpay.com; the old soarpayments.com domain is listed for sale. It is a US-only high-risk merchant account provider using interchange-plus pricing and Authorize.net or NMI gateways.
Strengths
Watch out for
Best for
US high-risk merchants on Authorize.net or NMI who want interchange-plus pricing with published reserve and settlement terms.
| Type | High-risk merchant services |
|---|---|
| Pricing model | interchange-plus (custom quote) |
| Card rate | Not published |
| International | Not published |
| Monthly fee | Not published |
| Setup fee | Not published |
| Chargeback fee | Not published |
| High-risk businesses | Yes |
|---|---|
| Dropshipping | Not published |
| Reserves | Typically 5% to 10% of processing volume, held in a non-interest-bearing escrow while the account matures; not every merchant needs one; reviews every 60 to 90 days |
| Payout speed | 48 to 72 hours after batch close (cards) |
|---|---|
| Merchant countries | United States only (owner must have a US Social Security Number) |
| Currencies | Not published |
| Shopify | Third-party gateway |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Not published |
| Multiple MIDs | Not published |
| Token portability | Not published |
The FAQ says pricing is interchange plus a fixed SoarPay markup set by industry, processing history, volume and ticket size, with a written proposal before signing. A rate review can be requested after 3 to 6 months. Monthly fees are debited in the first week of each month; amounts are not published.
The industry list covers 50+ verticals, including nutraceuticals, CBD, continuity/subscription, vape, firearms and travel; dropshipping is not listed. A credit check is required for every application, and scores under 600 are unlikely to be approved. The site footer says Soar Payments is a DBA of AltruPay LLC, a registered ISO of Commercial Bank of California.
ACH settles in 1 to 3 business days.
The FAQ says Authorize.net, the gateway most SoarPay merchants use, integrates natively with WooCommerce and Shopify. Gateways offered: Authorize.net, NMI, FluidPay and AcceptBlue; the platform page also lists USAePay.
Soar Payments sources · checked 2026-10-21