The right merchant account for high-risk businesses.
I match US merchants with the bank and processor that fits how they actually sell. I work with more than 20 banking and processing relationships, so you get options instead of a single take-it-or-leave-it offer.
Built for businesses most providers turn away.
If your industry gets flagged the moment you apply, you need someone who knows which underwriters say yes and what they need to see.
Nutraceuticals
Supplements, wellness, and health products, including trial and continuity offers.
CBD
Hemp-derived CBD brands selling online or in retail.
Subscriptions
Recurring billing, memberships, and boxes where chargeback risk runs higher.
Travel
Agencies, tour operators, and booking businesses with long lead times between sale and service.
When processing goes sideways, you need a plan fast.
Most merchants call me after something breaks. Here is what I help with.
Frozen funds and holds
Your deposits stopped and no one will tell you why. I help you understand what happened and line up a new home for your processing.
Rolling reserves
A big share of every deposit is locked up for months. I look for a setup with reserve terms that fit your cash flow.
Terminated accounts
Shut down, or flagged on a match list? It is not the end. I know which partners will still review your file.
High chargebacks
Disputes are eating your margins and putting your account at risk. I help you get placed with partners who understand your model, plus practical steps to bring the ratio down.
Three steps. No runaround.
You deal with me from the first call to your first deposit.
Send your statements
Share your last few processing statements and a short overview of your business. The review is free.
I find the fit
I review your pricing, risk profile, and history, then take your file to the partners most likely to approve it on fair terms.
Get approved and processing
I walk you through underwriting and onboarding, and I stay your point of contact after you go live.
Work with high-risk merchants? Let's talk.
If your clients keep running into payment problems, I can be the person you send them to. I treat your referrals like my own clients and keep you in the loop.
- Agencies and marketers
- Accountants and bookkeepers
- Attorneys and compliance consultants
- Software and platform providers
Straight answers from someone who does this every day.
I'm Aaron Burns. Since 2020 I've worked as a founding partner and Chief Revenue Officer in payments, helping high-risk merchants get approved and stay processing.
My job is simple: understand your business, then put it in front of the bank or processor most likely to support it long term. With more than 20 relationships to draw on, including strong high-risk options, I can usually find a path when others can't.
I'm based in Waukee, Iowa, and I work with merchants across the United States.
Get your free statement review.
Tell me a little about your business and I'll get back to you personally.
Email: aaron@aaronburnspayments.com
LinkedIn: aaronmichaelburns
Based in: Waukee, Iowa
I work with US-registered businesses that have a US bank account.