Free Payment Processing for
High Risk Merchants
We specialize in providing secure, compliant, and customized payment processing for high-risk businesses across the U.S.
Whether you’re in gaming, CBD, adult entertainment, or another high-risk industry, we’ve got you covered with fast approvals and world-class support.
Core Services
Everything you need for seamless payment processing.
Radical transparency. Real solutions. High-risk made simple.
Card Processing
Competitive rates for all major cards with dual pricing options.
Get it done fast.
Zero-Fee Processing
Shift processing costs to customers and eliminate up to 100% of your fees. Keep more revenue in your pocket.
ACH & E-Check
Low-cost, fast, and secure recurring payments that give your business flexibility and your clients peace of mind.
Loyalty & Gift Programs
Integrated retention tools that help you build repeat business.
Industries who count on us...
SaaS & Tech Startups
Traditional banks say no. Alex builds direct, compliant relationships so you can process confidently in a tough vertical.
Optimize My Subscriptions
CBD & Seeds
CBD merchants battle strict regulations and shifting laws. With Alex, you gain stable banking partners who won’t vanish overnight.
Get CBD Processing Help
Nutraceuticals
Supplements face heavy scrutiny and chargebacks. Alex navigates compliance while keeping your sales flowing.
Secure My Supplement Sales
High-risk, high-chargeback, and often rejected. Alex delivers discreet billing, fraud protection, and processor expertise.
Make My Payments Discreet
Hey, I'm Alex.
High-Risk Merchant Processing Expert
I'm Alex Cumming. After years in SaaS and fintech, I help high-risk businesses find real payment solutions. When you call, you reach me—not a call center. No brokers. No bull. Just honest, direct answers. I specialize in businesses that others won't touch, finding creative solutions where traditional processors say no.
Years Experience
Million Processed
Approval Rate
"Alex is a true wealth of knowledge and expertise, with deep insights into the industry that set him apart. What makes him even more remarkable is his genuine passion for connecting people and fostering lasting partnerships. His enthusiasm for networking is contagious, and he has an incredible knack for bringing the right people together. If you're looking for someone who is both professional and approachable, I highly recommend reaching out to Alex—you won't regret it!"
Todd Mitchell
Questions I get asked...
What industries do you work with?
I specialize in high-risk verticals that banks usually reject — including CBD & cannabis, nutraceuticals, adult entertainment, SaaS, travel, and more. If you’ve been turned away before, I likely can help.
How long does approval take?
Most accounts are approved within 24–72 hours once all documents are submitted. Some higher-risk verticals may take a few extra days for compliance review.
What fees should I expect?
Rates vary by industry and risk profile, but I focus on keeping costs transparent. You’ll always know your processing rate, chargeback fees, and any monthly minimums before you sign.
Do you offer chargeback protection?
Yes — I provide tools and processor partners that specialize in fraud prevention, chargeback monitoring, and dispute management to keep your revenue safe.
Can I integrate with my existing website or POS?
Absolutely. My solutions work with Shopify, WooCommerce, BigCommerce, and most major POS systems. I’ll make sure the setup is smooth.
What happens if a bank shuts down my account?
Unlike most brokers, I work with multiple direct banking partners. If one closes, I already have backup options so your sales don’t grind to a halt.
Do you work internationally?
Yes. While I primarily focus on U.S. businesses, I also help international merchants with offshore banking and multi-currency processing.
Calculate Your Real Savings in Seconds
Every business is different, but one thing is true: high-risk merchants often overpay for processing.
Use our quick calculator to see how much you could save each month with the right banking partner.
Got questions about your industry!
Email, Call or Text Me!
I'm Alex...
Your Dedicated Payments Concierge
Radical transparency. Real solutions. High-risk Made Simple.
No call centers. I pick up the phone.
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©Sunset Swipe 2024. All rights reserved.
Privacy Policy
Last updated: August 28, 2024
Alex Cummins and Sunset Swipe (“we,” “our,” “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you interact with our website, tools, and services.
1. Information We Collect
When you use our site or services, we may collect:
- Personal Information: Name, email, phone number, business details, and payment information if you submit an application or contact form.
- Business Information: Industry type, monthly sales, processing history, and related documents needed for underwriting.
- Technical Information: IP address, browser type, device information, and site usage data through cookies or analytics tools.
2. How We Use Your Information
We use the information we collect to:
- Process applications and provide payment processing solutions.
- Respond to inquiries and customer support requests.
- Analyze site usage to improve our services and tools.
- Comply with legal and regulatory requirements.
We will never sell or rent your personal information to third parties.
3. Sharing Your Information
We may share information only in these cases:
- With payment processors, banking partners, or vendors to deliver services.
- With trusted third-party providers (e.g., hosting, analytics) under confidentiality agreements.
- If required by law, regulation, or legal process.
4. Data Security
We take appropriate measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no system is 100% secure, and we cannot guarantee absolute security.
5. Your Choices
- You can opt out of marketing emails at any time by clicking the “unsubscribe” link.
- You may request access, correction, or deletion of your personal information by contacting us.
- You can manage or disable cookies through your browser settings.
6. Third-Party Links
Our site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.
7. Children’s Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “last updated” date.
9. Contact Us
If you have questions about this Privacy Policy or how your information is handled, please contact:
Alex Cummins – High-Risk Merchant Processing
📞 Phone: 949-338-6976
📧 Email: alex@sunsetswipe.com
🏢 Address: 4021 N 75th St, Ste 101, Scottsdale, AZ 85251
Terms & Conditions
Last updated: August 28, 2024
Welcome to Sunset Swipe. By accessing or using our website and services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully. If you do not agree, you should not use our site or services.
1. Use of Services
Our services are intended for businesses seeking payment processing and related solutions. You agree to provide accurate, current, and complete information during the application process. We reserve the right to refuse service to anyone for any reason, particularly in cases of fraud, misrepresentation, or non-compliance with regulations.
2. Eligibility
By using our services, you confirm that:
- You are at least 18 years of age.
- You are authorized to represent the business you apply on behalf of.
- Your business complies with all applicable laws and regulations.
3. Application & Approval
Submitting an application does not guarantee approval. Final approval is determined by banking and processing partners based on underwriting requirements. We are not responsible for decisions made by third-party banks or processors.
4. Fees & Costs
Processing rates, fees, and terms are disclosed during the application and approval process. By accepting an offer, you agree to those fees. We strive for transparency and will never add hidden charges.
5. Data & Privacy
Your use of our services is also governed by our [Privacy Policy]. By using our services, you consent to the collection and use of information as described there.
6. Third-Party Services
Our services rely on banking and processing partners. We are not responsible for outages, delays, or failures caused by third-party systems, but we work proactively to ensure continuity of service.
7. Limitation of Liability
To the fullest extent permitted by law, Sunset Swipe and Alex Cummins shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the fees paid to us in the six months prior to the claim.
8. Indemnification
You agree to indemnify and hold harmless Sunset Swipe, Alex Cummins, and our partners from any claims, damages, liabilities, costs, or expenses resulting from your misuse of our services, violation of these Terms, or non-compliance with laws.
9. Changes to Terms
We may update these Terms & Conditions from time to time. Changes will be effective immediately upon posting on this page. Continued use of our services means you accept the updated terms.
10. Governing Law
These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles.
11. Contact Us
If you have any questions about these Terms, please contact:
Alex Cummins – High-Risk Merchant Processing
📞 Phone: 949-338-6976
📧 Email: alex@sunsetswipe.com
🏢 Address: 4021 N 75th St, Ste 101, Scottsdale, AZ 85251