While many processors shy away from complex business models, Socorro Payments specializes in them. The following categories represent our core areas of expertise—industries where we possess deep institutional knowledge and proven banking relationships. We don't just "accept" these businesses, we understand their unique challenges. For merchants operating transparently and ethically within these spaces, we can virtually guarantee a path to approval through our dedicated advocacy.
Streamlined for Online retailers, we specialize in CBD, Kratom, and high-volume Vape/Smoke that require secure gateways, fraud protection, and stable MID management.
Secure Face-to-Face processing for regulated storefronts. From Tattoo Parlors and Smoke Shops to Pawn Shops, we provide hardware and underwriting that banks typically avoid.
Optimized for Card-Not-Present Business to Businesses sales, we provide a secure, fraud protected virtual terminal and ensure your risk profile fits your business to prevent holds on large-ticket transactions.
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A Note on Our Underwriting Process: To maintain the integrity of our banking hardware and ensure the longevity of our merchant accounts, every applicant undergoes a rigorous pre-boarding assessment. This includes stringent underwriting guidelines, advanced fraud detection analysis, and a comprehensive risk assessment. Socorro Payments is committed to a clean processing ecosystem and we exclusively partner with above-board operators who value stability and compliance as much as we do.
To ensure a smooth approval process, all eCommerce and B2B applicants—regardless of industry—must provide the following baseline documentation for our internal review.
To ensure a smooth approval process, all retail merchants—regardless of industry—must provide the following baseline documentation for our internal review.
Elevated Risk Path: We begin with a deep dive into your business model and processing history. By identifying potential underwriting hurdles early, we ensure your application is positioned for success before it ever reaches the bank.
Elevated Risk Path: Unlike other processors that 'shop' your file to multiple banks, we move directly to our trusted high-risk banking partner. We know their guidelines inside and out, which leads to faster approvals and more stable accounts.
Elevated Risk Path: Once approved, you are boarded directly onto our primary processing platform. This eliminates the middleman and ensures your revenue flow is monitored and protected by a team that knows your business by name.
Unified Banking Relationship. We don’t believe in "load-balancing" or hiding volume across multiple MIDs. We believe in getting it right the first time. By boarding you with our one trusted US-based, high-risk-specialized bank, we ensure your account is fully transparent, correctly underwritten, and built for long-term longevity.
Accelerated Conflict Resolution. When you have an issue, you have one point of contact. Because we use a single, trusted processor, we have a direct line to the people making the decisions. There is no "passing the buck"—just fast, accurate solutions to keep your business running.
Transparent Dispute Support. We provide you with a dedicated portal to view and dispute chargebacks as they happen. Whether you receive notifications by mail or email, we are here to provide guidance on the dispute process. If your volume requires advanced automated mitigation, we can provide direct referrals to industry-leading specialized software.
Whether you need the speed of Main Street approval or the stability of direct bank sponsorship, Socorro Payments is your advocate in a complex industry. Let’s build a processing strategy that protects your margins and your peace of mind.
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