DoshFunding

Payment solutions

High-risk credit card processing

When your category, ticket size, or delivery model needs a specialized path, we build applications for durability and a serious review, not fast declines.

Structured intake

High-risk processing

High-risk processing intake

Category, chargebacks, and fulfillment laid out clearly so reviewers see how you operate.

No hard credit pull to submit~60 seconds

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MCC

Category truth

CB

Chargeback plan

MID

Stable strategy

Ops

Fulfillment proof

Approval is never guaranteed. Sponsor bank, compliance, and history drive outcomes. We optimize for a serious review.

Categories we often see

  • Regulated supplements, coaching, and continuity programs
  • Travel, events, and advance-sale models
  • CBD and adjacent verticals where permitted
  • Repair, contractor, and high-ticket services
  • Digital goods and software with clear delivery proof

Final approval depends on sponsor bank, compliance, and your actual processing history. We set expectations up front.

How we tighten the file

File that tells a story

Fulfillment, refunds, support commitments, and marketing claims documented so reviewers see real operations, not just a website.

Chargeback posture

Prevention tools, descriptor strategy, and dispute workflow basics tied to your actual ticket curve.

Category honesty

Your MCC and product are stated accurately up front. Banks respond poorly to surprises later in the file.

Support visibility

Customer service paths and contact surfaces that match what you advertise at checkout.

Volume narrative

Ramps, seasonality, and refund patterns explained with numbers, not slogans.

Expectation setting

Reserve, delayed funding, and monitoring are common in many categories. We cover what to expect before you go live.

Solutions by industry

High-risk touches many verticals

Retail

Stores, boutiques, and multi-SKU operators

  • Countertop and mobile terminals with EMV and contactless
  • Inventory-heavy seasons and omnichannel card-present flows
  • Cash discount or compliant dual pricing when ticket mix supports it
  • Gift cards, store credit, and reconciliation with your POS

Restaurants

QSR, full service, bars, and catering

  • Tip adjust, bar tabs, and fast guest checkout
  • Kitchen display and handheld pay-at-table paths
  • Online ordering handoff to the same merchant ID where possible
  • ACH for catering contracts and B2B meal programs

Hospitality

Hotels, venues, and guest services

  • Card-not-present deposits and authorization holds
  • MOTO and emailed invoice links for groups and events
  • Multi-department reporting and property-level MCC clarity
  • Capital for renovations, FF&E, and seasonal staffing swings

Automotive

Dealers, repair, detail, and fleet services

  • Large-ticket repair and parts with proper card-present flags
  • Recurring payments for service plans and fleet accounts
  • ACH for wholesale parts and vendor pulls where it fits
  • Working capital aligned to inventory and service bays

Personal care

Salons, spas, fitness, and wellness

  • Memberships, packages, and card-on-file with updater-friendly flows
  • Low-friction tips and add-on sales at checkout
  • Online booking deposits that match your risk profile
  • Expansion financing for second locations or equipment

Professional services

Medical, dental, legal, accounting, and consulting

  • Healthcare-style practices often need tighter data-handling conversations. We align gateway choices with what your counsel requires
  • Recurring retainers and client payment plans
  • Level II/III style data when your processor and MCC support it
  • Practice growth and equipment alongside acceptance

Home services

HVAC, plumbing, electrical, and contractors

  • Field mobile swipers and text-to-pay invoice links
  • Progress draws and milestone billing on larger jobs
  • ACH for commercial GC relationships and net-term customers
  • Job materials and payroll smoothing via working capital when eligible

Nonprofits

Donations, events, and recurring giving

  • Donation pages, hosted pay links, and event checkout
  • Recurring gifts with dunning-friendly retry patterns
  • Transparent effective rates so boards see full cost of card giving
  • Grant or program timing support through capital partners when appropriate

Free resources

Learn before you commit

Short explainers and calculators to help you read a statement, compare options, and ask better questions — no sign-up required.

Learning CenterMoney, cards, ACH, and funding — plain English

Apply with the right package

Use our intake so underwriting sees chargeback controls, fulfillment, and support workflows clearly documented up front. We review every file for fit before moving it forward.