Structure Payments

Tagline Brand's website · 2026-11-11

High-risk payment processing and merchant accounts for businesses that mainstream processors often decline.

Description Brand's website · 2026-11-11

Structure Payments provides high-risk merchant accounts, payment processing, gateways, integrations, funding, underwriting, and chargeback support. It serves businesses across high-risk and standard risk profiles, with approvals typically taking about 48 hours.

Mission Brand's website · 2026-11-11

Empowering businesses others decline by helping legitimate businesses get approved, process payments, and continue operating without interruption.

Founders & leadership Brand's website · 2026-11-11

Patrick Felsted, Founder & CEO; Truman Child, President.

Website Brand's website · 2026-11-11

https://structpayments.com

Voice & tone Brand's website · 2026-11-11

Direct, transparent, reassuring, practical, and supportive.

Founded Brand's website · 2026-11-11

2023

Problem solved Brand's website · 2026-11-11

Helps businesses that have been declined, frozen, or underserved by mainstream payment processors obtain merchant accounts and reliable payment processing.

Core capabilities Brand's website · 2026-11-11

• High-risk merchant account underwriting
• Credit and debit card processing
• ACH and e-check processing
• EMV and contactless payments
• Payment gateways
• Recurring billing and subscription payments
• Chargeback prevention, alerts, and dispute tools
• E-commerce and retail integrations

Products / SKUs Brand's website · 2026-11-11

• High-risk merchant accounts
• Payment gateways
• Payment processing
• ACH and e-check solutions
• Recurring billing
• Chargeback management tools
• E-commerce integrations
• Point-of-sale processing

Pricing Brand's website · 2026-11-11

Blended pricing starts at 2.9%. Interchange-plus pricing is tailored to the business. No application or setup fees and no PCI compliance fee are stated.

Target industry Brand's website · 2026-11-11

Payment processing and merchant services, with a specialization in high-risk industries.

Customer base Brand's website · 2026-11-11

High-risk merchants and businesses across the risk spectrum, including nutraceuticals, firearms and ammunition, vape and nicotine, CBD and hemp, MLM and direct sales, coaching, credit repair, travel, subscriptions, technology and SaaS, contracting, adult and dating, gaming and gambling, precious metals, digital goods, tobacco, and debt collection.

Ideal customer profile Brand's website · 2026-11-11

Businesses that have been declined by banks or payment processors, operate in high-risk or regulated industries, experience elevated chargebacks, or need recurring, e-commerce, retail, or international payment processing.

Use cases Brand's website · 2026-11-11

• Obtaining a merchant account after being declined elsewhere
• Processing card payments for high-risk products and services
• Managing recurring billing, subscriptions, trials, and rebills
• Accepting online payments through Shopify, WooCommerce, BigCommerce, Sticky.io, and other platforms
• Accepting in-store payments through EMV, contactless, and POS systems
• Reducing payment disruption through chargeback alerts and dispute tools
• Integrating payments through developer APIs
• Processing international and multi-currency transactions

Customer outcomes Brand's website · 2026-11-11

• Approval and live processing typically in about 48 hours
• Access to approximately 30 banking and processing relationships
• Two-day funding as standard, with established merchants eligible for next-day funding
• Improved resilience against chargebacks, freezes, and account interruptions
• Secure, PCI-compliant payment processing
• Dedicated support from real people rather than a call center
• Access to competitive payment rates