Established processing volume
Share recent statements, monthly card volume and refund history so your business can be reviewed in context.
Case-by-case business review
High-risk payment
processing.
Payment options for high-ticket, recurring and digital businesses. Reviewed case by case.
All-in processing rates as low as 3%*
Interchange & network fees included. No hidden processing fees.
*Subject to business review.Rates vary by industry, volume and risk.
Your business is more than a risk label.
Recurring customer relationships
Explore available billing options for subscriptions and ongoing services, with clear renewal and cancellation terms.
High-ticket and digital services
Explain what customers buy, when you deliver and how you support them. Review depends on the actual offer.
Check your business eligibility.
Some activities need special approval. Others cannot be supported.
Three steps. One place to start.
Tell us about your business.
Answer a few quick questions about your business and payment needs.
Review your next step.
Continue to Commas when appropriate, or explore a possible alternative provider.
Connect your offer.
Once approved, set up your payment flow and start accepting payments.
Good to know.
Does Commas accept every high-risk business?
No. Commas and its payment partners review the actual products, services, delivery model and processing history. Some activities are restricted or prohibited. Creating an account is not payment approval.
Can I explore Commas if my current processor has restrictions?
You can introduce your business for review. Disclose previous restrictions, disputes and the reason for switching. A new account does not bypass underwriting or guarantee replacement processing; confirm approval before changing your current setup.
What fees, reserves and payout terms should I expect?
The advertised starting rate is an all-in processing rate, including interchange and card-network fees, with no hidden processing fees. Your final rate depends on business review. Confirm the rate, any reserve requirements and payout timing before activation.