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LushPay
Independent ISO · Operators since 2011

Get approved.Pay less.Keep processing.

LushPay is an independent ISO run by people who’ve built and operated high-risk businesses since 2011. We put 20+ processor relationships to work for your account — ecommerce, cash discount, and high risk — and stay in your corner after you go live.

Get a free rate review
See how we match

No obligation · A real person · 20+ processors

4000 2011 0350 0020

MerchantYour Business, LLCRouted via20+ processors
ApprovedVisa •••• 4821$1,284.00
Dispute alert handledResolved before chargeback−$89.00
Processor relationships
20+
Processed & growing
$350M+
Operating high-risk since
2011
Funding options available
Next-day

01 — The independent advantage

One conversation.20+ processorsin the running.

Most providers can only sell you their own platform. We’re independent, so we compare processors across our network against your industry, volume, and billing model — then explain the trade-offs so you can choose.

Live match
Online storeEcommerce · $80k/mo
LushPay

Comparing 20+ processors

Best fit · P09Matched

Ecommerce gateway

  • Cart & gateway compatible
  • Recurring billing ready
  • Fraud & dispute tools

Illustrative. Processor fit, approval, and account terms depend on each processor’s review.

EcommerceSubscriptionsCBDVapeNutraceuticalsFirearmsTravelRestaurantsRetailSalonsAuto repairProfessional servicesHome servicesDigital products
Interchange-plusCash discountDual pricingNext-day funding optionsChargeback alertsRepresentmentGateway integrationsRecurring billingTerminal programsUnderwriting prep

02 — More than an ISO

Since 2011

0 years in the high-risk trenches

Everyone says they understand high risk. Most learned it from a rate sheet. We learned it running our own high-risk businesses since 2011. Reserves. Holds. Underwriting. Chargebacks. We've been on the merchant side of every one. So we place your account the way we'd want ours placed.

The typical ISO

  • Knows your industry from a sales deck
  • Represents one or two processors
  • Hands you off once the account is approved
  • Treats chargebacks as your problem

LushPay · Operators first

  • Operated our own high-risk businesses since 2011
  • Compares 20+ processor relationships for you
  • Stays your contact long after you go live
  • Runs chargeback prevention and representment
Talk to someone who’s been there

03 — What we specialize in

Three specialties.One team that'sdone the work.

Ecommerce checkout

Checkout

Secure
Wellness bundle × 2$129.00

Card number

1234 1234 1234 1234
MM / YY
CVC
Pay $129.00
Next-day deposit scheduled$129.00
01Ecommerce

Checkout that converts. Accounts that last.

Your checkout, gateway, and processor need to work together. We match online sellers with gateways and processors built for card-not-present volume, whether you sell one-time purchases or subscriptions.

  • Shopping-cart and gateway integrations
  • Recurring billing and subscription support
  • Fraud screening and chargeback tools
Talk through your account
Dual pricing receipt
TOTALAPPROVED

CORNER CAFÉ

Oat latte$5.50
Avocado toast$11.00
Cold brew$4.50
Cash price$21.00
Card price$21.84
Your processing cost$0.00
KEPT

Illustrative. Program terms and requirements vary.

02Cash discount & dual pricing

Keep more of every sale.

Card fees add up. We compare cash discount, dual pricing, and traditional processing side by side, including what each means for your customers, then handle the terminal, signage, and receipts.

  • Clear comparisons of rates and fees
  • Terminal and equipment options
  • Help with signage, receipts, and setup
Talk through your account
High-risk placement
Declined elsewhereApproved
  • Industry-friendly acquirer found
  • Underwriting package prepared
  • Reserve & account terms reviewed
  • Account live and processing
03High risk

Placed by people who've been declined.

Your industry or billing model can make an account harder to place. We start with processors that want your vertical, prepare you for underwriting, and keep watch on the account after launch.

  • Industry-specific processor matching
  • Underwriting and application guidance
  • Ongoing account and chargeback support
Talk through your account

04 — Chargeback management

Chargebacks sink accounts.We manage themlike operators.

Everybody says they handle chargebacks. We’ve had to protect our own merchant accounts, so we treat disputes as a system to manage — not a fee to absorb.

Chargeback ratio

0.39%

Illustrative example
0.0%0.5%1.0%1.5%2.0%Monitoring thresholdLushPay program startsM1M2M3M4M5M6M7M8M9M10M11M12
Prevention alertsReal-time alerts let you refund or resolve eligible disputes before they turn into chargebacks.
RepresentmentWe help build the evidence and contest the chargebacks you shouldn't be losing.
Ratio monitoringWe watch your ratios against program thresholds and flag trouble before it escalates.
Descriptor & policy hygieneClear billing descriptors, refund policies, and checkout disclosures that head off friendly fraud.

05 — A closer look at costs

What are card feesreally costingyour business?

Estimated card fees per year

$23,400 estimated per year

About $1,950 every month.

Traditional processing$1,950/mo
Cash discount or dual pricingas low as $0/mo

Estimate for illustration only. Cash discount and dual pricing programs pass card costs to customers who choose to pay by card. Your results depend on the program, your card mix, and compliance requirements. For some businesses, traditional pricing is the better fit, and we’ll tell you if it is.

From a LushPay merchantCash discount

A change you can see on the statement.

Before LushPay

$1,573.97

After LushPay

$0.00

Monthly processing fees in one merchant’s before-and-after example.

Results vary. Your costs and savings depend on your business, transaction mix, and program terms.

Let’s review your statement

06 — Getting started

You bring the questions.We do thehomework.

No lengthy sales cycle and no obligation. Starting fresh? Tell us what you’re building and we’ll take it from there.

01

Tell us what's working, and what isn't

Share your industry, payment volume, and the problem you're trying to solve. Already processing? A recent statement is the best place to start.

02

Compare a few well-chosen options

We review our processor network and explain the pricing, technology, funding, and account requirements of the options that fit.

03

Get set up, with someone to call

We guide the application, equipment, and integration. Your LushPay contact stays involved after you start taking payments.

07 — Before we talk

Straightanswers.

Have something specific in mind? Send us a note.

An Independent Sales Organization connects merchants with payment processors and acquiring banks. We work with 20+ processors, so we can compare options for your industry, transaction volume, and payment setup instead of offering you a single platform.

Let’s take a look

You run the business.We'll workthe payments.

Tell us a little about your setup and what you’d like to improve. We’ll help you figure out where to go from here.

  • A free review of your current rates
  • Processor options explained in plain English
  • A dedicated contact, from setup onward
sales@lushpay.com

Your free rate review

What can we help with?

We’ll prepare an email for you to review and send. Nothing is submitted from this form.