High-risk payment pricing: one all-in rate that drops as you grow
No setup fee, no fixed monthly cost, no blanket reserves - just one transparent rate covering payments, routing, and chargeback management end to end.
Get your rateOne all-in rate, lower as you grow
Most high-risk payment pricing is designed to be hard to read. You sign up for a low headline number, then discover the platform fee sits on top of interchange, on top of processor markup, on top of a reserve that quietly holds back a slice of every dollar you earn. By the time the statement lands, the real cost of accepting a card is nothing like the rate you were quoted. For nutra, supplements, beauty, health, CBD, and subscription merchants - the businesses banks label high-risk - that opacity is the norm, not the exception.
Resub does the opposite. We quote one all-in rate tied to your monthly processing volume, and that single number covers the whole stack: dedicated high-risk MIDs, smart routing across acquirers, chargeback and rolling-reserve management, decline and dunning recovery, and 2-day payouts. As your volume climbs, your rate steps down automatically. There is no setup fee to get started, no fixed monthly cost to carry in slow months, and no blanket reserve skimming your cash flow. You grow, you pay less - it really is that simple.
Your rate drops as your volume climbs
$0 - $750K / mo
2.75% all-in rate.
$750K - $1.5M / mo
2.25% all-in rate.
$1.5M - $3M / mo
1.75% all-in rate.
$3M+ / mo
1.25% all-in rate.
No fixed monthly cost
No setup fees, no platform fee on top.
No blanket reserves
Fair, risk-based reserves and 2-day payouts.
One number, end to end
When you compare high-risk payment pricing, compare all-in, not headline. A low platform fee still needs a processor behind it - and that processor has its own rate, its own interchange pass-through, and its own reserve policy. Add them up and the "cheap" platform is often the most expensive way to accept a card. The advertised number is the one thing you can be sure you will never actually pay.
Our all-in rate is the number you pay, full stop. It already includes the acquiring cost, the routing layer that recovers declines, the risk and chargeback team that fights disputes on your behalf, and the infrastructure that pays you out in two days. There is no second invoice from a processor, no line item for reserves you did not agree to, and no surprise markup at month end. One rate, one relationship, one number you can actually plan a business around.
All-in pricing vs the usual stack
| Factor | Typical setup | Resub |
|---|---|---|
| Monthly fee | Fixed platform fee every month, busy or slow | No fixed monthly cost |
| Setup fee | Onboarding and integration charges upfront | No setup fees |
| Reserves | Blanket rolling reserve on all volume | Fair, risk-based reserves only |
| Payout speed | Weekly or longer, with delays on high-risk | 2-day payouts |
| Processing rate | Platform fee plus separate processor markup | One all-in rate from 2.75% down to 1.25% |
| Subscriptions | Billed as a separate add-on module | Optional, built in - no extra platform fee |
| MID provisioning | Shared or generic MIDs, slow approvals | Dedicated high-risk MIDs with smart routing |
| Transparency | Headline rate, real cost buried in the statement | All-in number you see before you sign |
Everything in the rate, nothing bolted on
Your all-in rate is not a payments-only deal - it is the full high-risk stack that keeps revenue flowing when acquirers get nervous. Every account includes:
- Dedicated high-risk MIDs with smart routing that spreads volume, protects approval rates, and keeps you live if one acquirer wobbles.
- Chargeback and rolling-reserve management, with a team that fights disputes and keeps your ratios inside the thresholds that matter.
- Decline and dunning recovery that re-attempts failed and soft-declined payments so you keep revenue you would otherwise lose.
- 2-day payouts plus an optional subscriptions engine and built-in CRM, so billing and customer data live in one place.
No tiered add-ons, no per-feature upsell, no separate module invoices. The rate you are quoted is the rate that runs your whole operation.
Frequently asked questions
What does the all-in rate actually include?
Everything: dedicated high-risk MIDs, smart routing, acquiring cost, chargeback and reserve management, decline and dunning recovery, 2-day payouts, and the CRM. There is no separate processor bill and no platform fee on top - the rate is the total cost.
Are there setup fees or a fixed monthly cost?
No. There is no setup fee to onboard and no fixed monthly cost to carry. You pay your volume-based rate on what you process, so slow months cost you nothing in standing fees.
How does my rate drop as I grow?
Your rate is tied to monthly processing volume: 2.75% from $0-$750K, 2.25% from $750K-$1.5M, 1.75% from $1.5M-$3M, and 1.25% at $3M and above. As your volume climbs into a new tier, your all-in rate steps down.
Do you hold a rolling reserve?
We do not apply blanket reserves. Any reserve is fair and risk-based, matched to your actual profile rather than a flat percentage of all volume - and payouts land in two days.
Is this cheaper than a low headline platform fee?
Compare all-in, not headline. A low platform fee still needs a processor behind it, plus interchange and reserves, so the true cost is usually higher than one transparent all-in rate. We quote the number you actually pay.
One good month shouldn't end your business
- Account frozen after a volume spike
- Payout held for 90–120 days
- MID terminated with no appeal
- One shared pool, one point of failure
- Dedicated MIDs underwritten for you
- Smart routing keeps you processing
- Fair, disclosed reserves
- Decline & dispute recovery built in
Every payment routed to the MID most likely to approve
Resub scores each transaction and sends it down the healthiest path across your dedicated MIDs, in milliseconds.
Ready to stop getting frozen?
Book 20 minutes with us. We’ll map dedicated, stable MIDs to your store and give you your exact rate — no obligation.
