High-Risk Processing
CBD, nutra, firearms, travel, subscription, adult, dating, gaming. We work with the underwriters who actually want your business.
- Chargeback mitigation
- Rolling reserves that make sense
- Offshore & domestic options
Merchant services, done right
Payment processing for high-risk and low-risk businesses.
We place merchants with the right processor the first time — transparent interchange-plus pricing, next-day funding, and a real human on your account from day one.
Approvals in 24–72 hrs No cancellation fees US-based support
Certified Trust Seal
3 Islands · Secure Payments
PCI-DSS Aware
Transparent Pricing
Next-Day Funding
Real Human Support
What we do
Three islands, one shoreline.
Every merchant we place lands on one of three coastlines. Whichever yours is, we know the waters.
Low-Risk Processing
Retail, restaurants, professional services, e-commerce. Interchange-plus pricing and hardware you actually want to use.
- Fast 24-hour approvals
- Free terminals or bring-your-own
- Level 2/3 data for B2B
E-commerce Gateways
Shopify, WooCommerce, custom checkout — we integrate with the gateway you already use and add fraud tools where it counts.
- Hosted or API checkout
- 3DS 2.0 authentication
- Subscription & recurring billing
How it works
Three steps to swiping cards.
- 01
Apply online
Answer a few questions about your business. Takes about five minutes. No credit pull to apply.
- 02
We package it
A dedicated placement rep gets you approved with the right processor — usually within 24–72 hours.
- 03
Go live
Get your terminals, credentials, or gateway keys. Start accepting payments the same week.
Why 3 Islands
Merchant services shouldn't feel like a used-car lot.
We built 3 Islands because we were tired of watching business owners get pitched flashy "cash discount" programs and hidden PCI fees. We show you the interchange, we show you our margin, and we stay in your corner after the account is open.
- Fast, honest quotesWe match your last three statements line-for-line so you can see exactly what you'll save.
- Underwriting expertiseWe prep your application so it approves the first time — no back and forth.
- A real account managerOne person, one phone number, for as long as you process with us.
Ready to see what you'd save?
Apply in five minutes or send us your last statement — we'll come back with an honest, side-by-side comparison.