Zeyla Review: High-Risk Merchant Accounts, Pricing & Pros and Cons
Merchant accounts for high-risk and everyday businesses
Fees at a glance
Zeyla offers dedicated merchant accounts rather than the shared, instant-signup accounts used by Stripe, Square and PayPal. Every application is reviewed by a payments specialist, which takes longer than an instant signup but is how businesses in restricted categories (CBD, supplements, subscriptions, travel and more) get approved and stay approved.
Pricing
Zeyla doesn't publish a single rate card. Pricing is quoted after underwriting and depends on your industry, monthly volume, average ticket and chargeback history. High-risk accounts usually cost more than flat-rate processors and may include a rolling reserve. Ask for a full quote in writing, including any reserve and monthly fees, before you sign.
Features
- Accept cards online, in person, by invoice and by payment link
- Reporting in one place
- A payments specialist assigned to each account
- Free to apply; the application takes about 3 minutes
Who it's for
Businesses that have been declined, frozen or shut down by an aggregator, or that operate in a category those providers prohibit. Low-risk businesses can apply too and should compare the quote against flat-rate options.
- Works with high-risk and restricted industries
- Dedicated merchant account, not a shared aggregator account
- A human reviews every application
- Free to apply
- No published rate card; pricing is quoted individually
- Underwriting takes longer than instant-signup providers
- High-risk accounts can include reserves and higher rates
Get matched with the right processor
Two quick steps. We'll share your request with processing partners that fit your industry and volume, including high-risk specialists.