Now Accepting Applications

You've Been Declined.
We Get You Approved.

Holistic Payments specializes in merchant accounts for industries that traditional processors won't touch. Peptides, kratom, forex, CBD, high-ticket coaching. We speak your language.

Find Your Industry ↓ See How It Works

Specialized Verticals

48hr

Average Approval Time

99.8%

Uptime Guarantee

The Problem

Traditional processors don't understand your business

You're not high-risk because your business is bad. You're high-risk because your industry requires a processor who actually knows the compliance landscape.

Frozen Funds, No Warning

Stripe, Square, and PayPal shut down high-risk merchants overnight. They'll hold your revenue for 90 to 180 days with zero explanation.

Underwriters Who Don't Get It

Generic processors flag your products, reject your applications, and treat your legitimate business like fraud. They've never underwritten your vertical and it shows.

Sky-High Rates, No Support

The few processors who will take you on charge predatory rates, bury you in rolling reserves, and disappear the moment chargebacks tick up.

How It Works

From application to processing in 3 steps

No guesswork. No month-long waits. We move fast because we already know your industry inside and out.

Complete Your Intake Form

Choose your industry and fill out the pre-qualification form. It's built around the exact questions underwriters ask, so we can match you to the right acquiring bank from day one.

We Build Your File

Our team packages your application with industry-specific compliance documentation, risk mitigation strategies, and processing history to present the strongest possible case to underwriting.

Get Approved & Go Live

Once approved, we onboard your gateway, configure fraud tools, and get you processing. Ongoing account management means you're never left wondering if your account is at risk.

Why Holistic Payments

Your processing account should be the last thing you worry about.

✓

Vertical-Specific Underwriting

We pre-screen your application against the exact criteria acquiring banks use for your industry. No surprises, no rejections for fixable issues.

✓

Transparent Reserve Terms

We negotiate rolling reserves and holdback percentages upfront. You'll know exactly what to expect before you sign anything.

✓

Multi-Processor Redundancy

We never put all your volume through one gateway. Load-balanced processing means if one relationship hiccups, your revenue doesn't stop.

✓

Chargeback Prevention Built In

Ethoca, Verifi, and 3DS2 integrations come standard. We keep your dispute ratio low so your account stays open.

92%

Approval Rate

<1%

Avg. Chargeback Ratio

24/7

Account Monitoring

Hidden Fees

Meet the Founder

Blake Toves

Founder, Holistic Payments & Financing

I started Holistic Payments because I watched too many legitimate businesses get shut down by processors who didn't understand their industry. Peptide companies with perfect compliance getting frozen overnight. Kratom brands with AKA GMP certification getting declined on sight. Prop firms losing six figures in held funds because their processor panicked at the first chargeback wave.

When you work with Holistic, you're working with me and my team directly. I'm personally involved in every merchant relationship. Your processing stability is my reputation.

✉ tovesblake@gmail.com 📋 Start Application

Frequently Asked Questions

What industries do you support?

We specialize in five verticals: peptides & research chemicals, kratom & botanicals, forex & prop trading firms, CBD & cannabis, and high-ticket services (coaching, agencies, courses). Each vertical has its own compliance framework and underwriting path.

How long does approval take?

Most merchants are approved within 48 hours of submitting a complete application. Complex cases (offshore entities, very high volume, or unique product mixes) may take 5-7 business days. We'll keep you updated throughout the process.

Will I have a rolling reserve?

It depends on your vertical, processing history, and chargeback ratio. We negotiate reserve terms upfront and explain exactly what to expect before you sign anything. Many of our merchants operate with zero or minimal reserves after a clean processing history.

What happens if my current processor shut me down?

We work with merchants who've been terminated by other processors all the time. Fill out the intake form for your industry and be upfront about your history. We'll assess your situation and match you with an acquiring bank that's comfortable with your vertical.

What are your rates?

Rates vary by industry, volume, and risk profile. High-ticket merchants through our Whop partnership start at 2.7%. For other verticals, we'll provide a transparent rate quote after reviewing your application. No hidden fees, no surprises.

You've Been Declined.
We Get You Approved.