Payment Processing
Accept every major card brand, digital wallet, and contactless method with transparent pricing and no hidden fees.
Learn morePayment Processing & Merchant Services
Payments built around your business, not the other way around.
Accept payments online, in-store, and everywhere in between with transparent pricing, fast onboarding, and payment solutions tailored to your business. One trusted partner for standard and specialized merchant needs.
No long-term contractsNo setup feesPre-approval in as little as 24 hours
Integrated with the networks, gateways & banks you already trust
VISAMastercardAmerican ExpressDiscoverAuthorize.NetNMIApple PayGoogle PayVISAMastercardAmerican ExpressDiscoverAuthorize.NetNMIApple PayGoogle Pay
What We Do
One partner for every way you get paid
Whether you sell across a counter, a cart, or a contract, we build the processing stack around your business — from traditional models to those with more specialized processing needs.
Specialized Merchant Accounts
Stable, compliant accounts for businesses with specialized or industry-specific underwriting needs — built around your model, not a one-size template.
Learn moreE-Commerce Processing
PCI-compliant gateways, developer-ready APIs, hosted checkout, and one-click recurring billing for online stores.
Learn moreRetail & POS Solutions
Smart terminals, mobile readers, and full point-of-sale systems with inventory, reporting, and same-day setup.
Learn moreACH & Check Processing
Move money bank-to-bank at a fraction of card cost — ideal for invoices, memberships, and recurring subscriptions.
Learn moreChargeback Management
Real-time dispute alerts, automated representment, and fraud tooling that protect your revenue and your reputation.
Learn moreWhy High Star
Pricing you can read. Support that answers.
We built High Star because merchants were tired of mystery fees, multi-year contracts, and support that never calls back. Here is what we do differently.
Transparent pricing
One clear rate, itemized statements, and no junk fees buried in the fine print.
Pre-approvals in as little as 24 hours
Underwriting that understands your business model — including specialized needs that take days elsewhere.
Dedicated, responsive support
A real account manager and a live team by phone, email, or chat — whenever you need them.
Security & data protection
End-to-end encryption, tokenization, and continuous fraud monitoring on every transaction.
$0
Setup & application fees on standard accounts
No
Long-term contracts — simple month-to-month terms
Live
Responsive support & funding visibility
Industries We Serve
Payment solutions for a wide range of businesses
From traditional storefronts to complex online models, our tooling and industry-specific underwriting adapt to how your business actually operates.
Retail & Restaurants
POS, tipping & quick-serve
E-Commerce
Gateways & hosted checkout
Travel & Hospitality
Deposits & deferred billing
Healthcare & Wellness
Plans & recurring billing
Subscription Businesses
Recurring & dunning tools
Professional Services
Invoicing & deposits
B2B & Wholesale
High-ticket & ACH
Service-Based Businesses
Mobile & invoice payments
How It Works
From application to approved in four steps
No paperwork mountains, no waiting weeks. Most merchants are processing within one to three business days.
STEP 01
Apply Online
Complete our secure five-minute application. No commitment and no impact to your credit to get started.
STEP 02
Get Underwritten
A dedicated specialist reviews your business and matches you with the right pricing and tools.
STEP 03
Get Approved
Receive your approval — often within 24 hours — plus your terminals, gateway credentials, or POS hardware.
STEP 04
Start Getting Paid
Go live, accept payments everywhere, and watch funds settle as soon as the next business day.
Merchant Stories
Trusted by businesses that don't settle
Feedback from the retailers, restaurateurs, and online sellers who switched to High Star.
We have specialized processing needs, and High Star handled our underwriting smoothly. We were approved and accepting cards in under two days — and our rep actually picks up the phone.
MR
Marcus Reyes
We cut our effective rate by nearly a full point after switching. The statements are finally readable, and next-day funding has been a real difference for our cash flow.
JT
Jenna Torres
Their chargeback alerts have saved us thousands. We get a heads-up before a dispute even posts, and the team handles representment for us. Worth every cent.
DK
David Kim
Get Started
Your free, no-obligation rate review takes five minutes.
Tell us a little about your business and a High Star specialist will follow up with a tailored quote — usually the same business day. No contracts to sign just to see your numbers.
- Free statement analysis & side-by-side savings
- Approval for standard and specialized industries
- Keep your current bank — we work with all of them
- No setup fees, no early termination penalties
Apply in minutes
Secure & encrypted. We never share your information.
Questions, Answered
Frequently asked questions
Everything you need to know before you apply. Don't see your question? Our team is one call away.
Most standard merchants are approved within 24 hours and processing within one to three business days. Accounts with more specialized underwriting needs may take a little longer to review, but our underwriting team works to move you forward as quickly as possible.
No. High Star operates on month-to-month terms with no early termination fees on standard accounts. We believe we should earn your business every month — not lock you into a multi-year agreement.
Yes. We work with a wide range of businesses, including standard merchants and businesses with more specialized underwriting needs. Approval depends on the business model, processing history, compliance profile, and underwriting review.
We keep pricing transparent: one clearly stated rate with fully itemized statements and no hidden fees. We also offer flat-rate and membership models — whichever saves your business the most.
Standard funding is next business day on eligible accounts, with same-day options available for qualifying merchants. You will always have real-time visibility into batches and deposits inside your High Star dashboard.
In most cases, yes. We integrate with leading POS systems, gateways, and shopping carts, and we deposit into the business bank account you already use. If a switch would save you money, we will show you the difference — no pressure.