PayKingsB66
Merchant Services · Card-not-present merchants in restricted verticals — CBD, nutraceuticals, firearms, debt relief, supplement…
Overview
PayKings does the one thing this corner of the industry almost never does: it publishes what it charges. Three interchange-plus tiers, a monthly fee, a chargeback fee and a settlement speed for each, all on the public site, where every competitor makes you book a call. It also advertises no setup fees and no long-term contracts, and Merchant Maverick's July 2026 review records the same. The qualifier that keeps it from the top of the scale is structural rather than a criticism of conduct: PayKings is an agent office, not a registered ISO, and its site does not say so. The contract you sign, the reserve you carry and the day your money lands are set by whichever ISO your file is placed with — North, Maverick, Worldpay and Global Payments are among them. Ask which one before you sign, and the published rate card is a genuinely strong starting point.
Best for: Card-not-present merchants in restricted verticals — CBD, nutraceuticals, firearms, debt relief, supplements, coaching — who want a number they can model before they talk to anyone. It suits merchants around and above $100K a month best, where the Growth tier drops the markup to 0.80% + 10c and adds a dedicated rep, and merchants who have been declined elsewhere and need a broker with a real panel of back ends rather than a single bank.
Strengths
- + Publishes interchange-plus pricing across three tiers on its own site — IC + 1.10% + 25c on Starter, IC + 0.80% + 10c above $100K a month — which almost no high-risk specialist does.
- + Publishes settlement speed per tier too: T+2 on Starter, next-day on Growth, same-day where available on Enterprise.
- + Advertises no setup fees and no long-term contracts, and Merchant Maverick's July 2026 review records the same.
- + Approves restricted verticals mainstream processors decline — CBD, nutraceuticals, firearms, debt relief and around fifty others.
- + Growth-tier perks unlock at $100K a month rather than at seven figures, so a mid-sized merchant reaches a dedicated rep and better pricing sooner.
- + Places files across a serious panel of back ends — North, Maverick, Worldpay and Global Payments among them — so a decline at one is not the end of the application.
Trade-offs
- – PayKings is an agent office, not a registered ISO, and its site does not say so. The merchant agreement, the reserve, the funding timetable and any termination fee come from whichever ISO your file is placed with, not from PayKings.
- – Because of that, the published rate card is PayKings' offer rather than a guaranteed contract term — the final paper is the back end's.
- – No card-present discount on the Starter tier: the same 1.10% markup applies to a swipe as to a keyed card-not-present sale, which is expensive for a retailer.
- – Rolling reserves are normal on higher-risk files, and neither the percentage nor the release schedule is published.
- – Starter support is email-only. A held batch that needs same-day attention will wait unless you are on Growth or above.
- – No BBB rating at all — accredited status was never sought and the bureau says it lacks sufficient information to issue one — so the single most-checked reputational signal in this industry is simply absent.
Fees in detail
- Online rate: IC + 1.10% + 25c, or IC + 0.80% + 10c above $100K/mo.
- International: Not supported. PayKings places US merchant accounts only.
- Disputes: $$25 per incident.
Standard published rate for a domestic online card payment. Confirm current pricing on PayKings's pricing page.
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