Merchant Accounts

Pioneer Payments can refer you to payment service providers who provide merchant account solutions for many different payment methods. We specialize in referring merchants that are referred to by acquiring banks and card associations as “high risk,” including but not limited to:

  • Adult entertainment
  • Binary options
  • Bizop programs
  • Continuity programs
  • Dating programs
  • Digital content
  • File sharing
  • Forex
  • Large processing volumes
  • Nutraceuticals
  • Offshore merchants
  • Online gambling (non-US players)
  • Online pharmacies
  • Payday loans (state-licensed and tribal)
  • PC tech support
  • Recurring billing
  • Tobacco
  • Travel
  • Webcams

We work to identify payment service providers available for your specific business and provide you with the necessary applications and document requirements to open merchant accounts through those payment service providers. Apply now.


We identify payment service providers throughout the world who provide credit card merchant accounts for e-commerce merchants. With credit card processing there is no “one size fits all” solution, so depending on your particular business (startup or existing business, sales volume, type of product/service), we can refer you to the optimal path to acquire reliable credit card acceptance.

To meet card association requirements for credit card acceptance, we can refer you to services which establish corporate presence in the appropriate regions. Apply now.


Merchants who add electronic checks to their available methods of payment typically experience an increase of 10-20% in total sales. It’s a convenient, familiar, and easy way to pay for products and services online. Electronic check is a great option to offer if a credit card is rejected, and can be used with recurring billing merchants.

We can refer you to services who provide electronic check acceptance for nearly all kinds of online merchants using both ACH and Check 21, helping to increase your sales and satisfy consumer demand. Apply now.


Direct Debit is the most common form of payment in Europe. We can refer you to payment services providers who specialize in direct debit acceptance with multi-language payment forms for customers in all 32 SEPA (Single Euro Payments Area) countries, including Germany, Austria, the Netherlands, UK, France, Spain, and Italy. Just like electronic check, the customer only needs to enter their bank information and the payment gateway debits their account. Recurring billing and acceptance of “high risk” merchants is available through this solution. Apply now.