Apply for a Merchant Account now

    The Southern Institute: High Risk Merchant Processing Experts

    Welcome to The Southern Institute, where we help our clients reduce the overall processing costs associated with credit card processing including ACH and check programs. Since 1995, we have been specializing in high-risk merchant accounts within several different industries including hard to place ones where others say no.

    We understand high risk businesses are having a tough time obtaining a merchant account, and once you get one it can get shut down as soon as you start getting chargebacks. At The Southern Institute, we are here with you every step of the way to keep your account running smoothly. We are equipped with high-risk experts, full-service providers, and a friendly, professional staff.

    See how quick and easy it is to work with The Southern Institute. We help our clients obtain get the credit card processing they need to help their business grow. The companies and businesses we’ve had the pleasure of working with have conventional solutions for both e-commerce and retail electronic payments. Further, we provide custom solutions for high risk in the following areas:

    Fast Approval. Low Rates. Dedicated Support

    Full Service Credit Card Processing for High Risk Businesses

    Reliable and Expert Merchant Processing for CBD and High Risk Businesses

    High-risk merchants have a difficult time finding processing unique to their needs. High risk businesses often struggle to find a stable merchant account that will last. At The Southern Institute, we specialize in high risk, including offering very competitive pricing, chargeback management solutions, expert underwriting, and top notch customer support. We will work with you to find out your businesses individual needs and create a custom solution that will keep you business up and running.

    We will get you approved when all of the competition says NO. Get pre-approved often the same day for hard to place high risk merchants. Our team of highly trained advisors can get you approved for almost any business type. Contact us today to see how quick and easy it is to get up and running with The Southern Institute.

    Why Choose Us?

    CBD options

    At The Southern Institute, we offer a great attention to detail. We go the extra mile to help our clients grow their business no matter the industry they are in. We are a leader in high-risk merchant accounts and pride ourselves for our high-risk merchant account for CBD options. Our goal is for your business to climb to the top of your industry and become a leading brand.

    online payment solutions

    Consequently, we are a full-service provider that offers online payment solutions. We take pride in our several years of experience in this industry. We have been providing custom and reliable solutions for over 20 years. Whatever it is you need, we offer the right knowledge and expertise to help your profits and business growth.

    high-risk accounts

    We are proud in the close, professional relationships we’ve developed with our clients both domestically and internationally. Actively expanding our portfolio, we are a highly accredited business in this industry. We have been developing and providing payment services for our high-risk accounts.


    Along with the high-risk industries that we serve, we also specialize in debt collections, travel agencies, fantasy sports, among many others. If you find that you fall into the high-risk account sector, give us a call to learn how we can be of help.

    About Our Team

    A large part of what keeps our customers happy is our professional staff. Always ready to offer great customer service, our highly trained staff offers fast payment processing solutions and is willing to help avoid fraud. Additionally, they make sure your business is keeping up with state legislation to avoid any legal issues.

    Our team is composed of efficient high-risk experts who are ready to implement a solid foundation for your CBD merchant account. They are friendly, accessible, and easy to work with. We look forward to helping you every step of the way to keep your business growing and connected. Contact an agent today to learn more!

    Our Services

    Reliable and Expert Merchant Processing for CBD and High Risk Businesses

    We take pride in offering domestic and international solutions for your processing needs as well as setting up a solid foundation quickly, efficiently, while minimizing your chargebacks. Many different types of industries benefit from our services, even if the industry you belong to is considered to be “risky”. This often leads to being turned down by credit card processors.

    Our CBD merchant accounts will help your industry blossom during the major challenges this market is currently facing. We have been helping CBD merchants build a strong foundation for several years now. Helping your business climb to the top of your industry is our main goal for you. We utilize fraud prevention tools, banking connections, and payment gateway.

    Reliable and Expert Merchant Processing for CBD and High Risk Businesses
    Reliable and Expert Merchant Processing for CBD and High Risk Businesses

    Our payment gateway processing allows our clients to promote and sell their products all over the world. This is one of our popular services that offers a large range of features such as customizable subscriptions, recurring billing options, chargeback protection, and much more.

    Another important protection strategy is our chargeback prevention feature which allows our clients to create rules and configure settings. Our chargeback prevention tools offer’s early warnings regarding bank data, rapid response, and automation. The lower our client’s overall chargeback rates are, the more transactions they will accept, consequently, the more profit they’ll obtain in return.

    Reliable and Expert Merchant Processing for CBD and High Risk Businesses

    Contact Us

    At The Southern Institute, high risk and CBD merchant accounts are our specialties. We get you processing and keep it this way for several years. A great selection when choosing a high-risk merchant account provider, our services will be of great advantage to your company. We encourage you to give us a call today to speak directly with an account representative and learn more about how we can be of help.

    Simply fill out our easy application for a merchant account down below. We are happy to listen to any concerns you may have and offer you a custom solution to any problem you may be experiencing. Give us a call today to stay on top of your financial plan! We look forward to working with you.