Accepting applications|48-hour underwriting · $0 setup · US-based accounts
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Gray Merchants
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Gray Merchants

Gray Merchants places dedicated, direct-to-bank merchant accounts for 67 high-risk industries through 70+ banking and acquirer relationships — built for long-term processing, not a quick approval that freezes later.

hello@graymerchants.com
Mon–Fri, 9:00–18:00 EST
Get approved — free

Payment solutions

  • High-risk merchant accounts
  • Multi-MID accounts
  • Chargeback defense
  • ACH & eCheck
  • International merchant accounts
  • E-commerce processing
  • Payment gateways
  • Hosted payment pages
  • Recurring billing
  • Pricing approach

Industries we place

  • CBD & hemp products
  • SaaS & software
  • Professional services
  • High-ticket DTC e-com
  • Coaching operations
All industries

Company

  • Why Gray Merchants
  • About us
  • Partner program
  • Case studies
  • Blog
  • Free tools
  • MCC directory
  • Glossary
  • Contact

© 2026 Gray Merchants, a division of MIDCORE Operations LLC. All rights reserved. Gray Merchants is a payment ISO providing merchant services. We are not a depository bank, credit card issuer, or direct financial clearinghouse. Dedicated merchant processing accounts and processing terms are subject to final underwriting, credit checks, and risk analysis by partner acquiring institutions and card brand network rules.

Trademark disclaimer: all product names, brand marks, logos, and service indicators referenced throughout graymerchants.com (including card network and gateway technology names) are the registered trademarks of their respective owners. Their inclusion does not represent, imply, or constitute an endorsement, official partnership, or sponsorship of Gray Merchants’ services.

All proprietary brand identity assets and custom codebase elements are the property of Gray Merchants.

Chargeback prevention alerts and dispute mitigation services are provided via licensed network integrations and certified gateway partners. These services reduce chargeback risk but do not guarantee ratios below network thresholds without correct business fulfillment practices.

Gray Merchants, a division of MIDCORE Operations LLC.
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Contact

Talk to a merchant account specialist

Contact Gray Merchants to reach a payment processing specialist who supports both low-risk retail and 50+ high-risk merchant account industries. Send your details and a specialist responds within 4 business hours, Mon–Fri 9:00–18:00 EST — or call us, or apply for a decision in 24–48 hours.

Send us a message

Are you currently processing?

No obligation. A specialist replies within 4 business hours, Mon–Fri 9:00–18:00 EST.

Direct contact

Gray Merchants is a payment ISO providing merchant services and payment gateways across 67 industries, from retail to high-risk.

Emailhello@graymerchants.com
HoursMon–Fri, 9:00–18:00 ESTResponse within 4 business hours
SSL-encrypted submission

Ready to apply?

Skip the back-and-forth and start your merchant account application now — decision in 24–48 hours, $0 setup.

Start your application

Contact & approval questions

How do I contact Gray Merchants?

Reach a merchant account specialist by submitting the form above, calling us Mon–Fri 9:00–18:00 EST, or emailing us directly. A specialist typically responds within 4 business hours.

Does Gray Merchants only work with high-risk businesses?

No. Gray Merchants serves every risk level — low-risk retail, e-commerce, and services as well as high-risk sectors. Whether you are new, scaling, switching processors, or were declined elsewhere, a specialist can help set up the right merchant account and payment gateway.

How fast can I get approved for a merchant account?

Applying takes about 5 minutes and most merchants receive an underwriting decision within 24–48 hours. You can start your application any time instead of waiting for business hours.

Get started

Prefer to skip ahead? Apply free

Apply in about 5 minutes — $0 setup, decision in 24–48 hours.

Get approved — free
Get approved — free