Free tools

Free tools for high-risk merchants.

Straight answers about how mainstream payment processors treat high-risk businesses, sourced from each processor's own published terms and free to use. No account, no email wall.

Start with the lookup every declined merchant needs.

Prohibited businesses lookup

Does your processor allow your business?

Check whether 8 mainstream processors, including Stripe, Square, and PayPal, prohibit or restrict your business type. Every answer quotes the processor's own published terms, with a source link and capture date.

Already on a prohibited list?

Mainstream processors avoid high-risk. We underwrite the legal ones.

Those lists exist because mainstream processors are built to avoid high-risk merchants. Midnight Payments underwrites your category on purpose, with low or no monthly fees and daily ACH settlement.

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