Specialized Payment Solutions for High-Risk Businesses

Get Approved When Others Say No.

Sierra Commerce Solutions helps businesses across every risk level secure dedicated merchant accounts and payment processing solutions, with fast approvals, direct communication, and a cleaner path from first conversation to first transaction.

Fast approvals — 24 to 72 hoursNo bloated pitch. No generic queue. Just clear next steps toward approval.* Timelines vary by industry, underwriting requirements, and processor review.
Built for real-world sellingRetail, online, mobile, invoicing, subscriptions, and harder-to-place business models.
One contact. No handoffs.You work directly with me, not a call center or rotating rep, from first conversation through approval and setup.
All the payment methods your customers already use
ACH ACH / eCheck

Built for every way your business gets paid.

In-person, online, mobile, and recurring payment setups built around how your business actually sells.

In-Person & Retail POS

Countertop terminals, full POS systems, and contactless acceptance for retail and face-to-face selling. EMV chip, swipe, tap, and NFC ready.

Retail POSTap-to-PayEMV ChipContactless

Mobile & Remote Payments

Tap-to-pay on mobile, virtual terminal access, QR code payment requests, and invoicing for field sales and service businesses on the move.

Mobile ReaderVirtual TerminalInvoicingPhone Payments

Online Checkout

Hosted payment pages, embedded checkout, and full ecommerce gateway support. Processed through PCI-compliant gateways and built to fit any existing storefront.

Hosted PagesEmbedded CheckoutPCI Compliant

Recurring & Subscription Billing

Automated recurring billing, installment plans, and subscription management to reduce missed payments and improve cash flow.

Auto-RenewalInstallmentsSubscription

ACH & eCheck Payments

Direct bank payments for B2B, high-ticket sales, and customers who prefer paying without a card. Lower processing costs, broader reach.

ACH TransferseCheckBank Debit
Coming Soon

ATM Placement Services

Full-service ATM placement for retail locations, bars, and high-traffic venues. We handle sourcing, installation, cash restocking, and maintenance so you earn surcharge revenue without the hassle.

ATM PlacementCash ManagementRestockingMaintenanceSurcharge Revenue

Fits into the tools you already use.

From ecommerce and accounting to CRM and ERP, our solutions drop into your existing stack without forcing a full rebuild.

Platform & Software Integrations

* This is not a complete list of available integrations. Available integrations and APIs vary by processor and product configuration. Not all platforms are supported by every acquiring partner. Specific compatibility is confirmed during the onboarding process.

Ecommerce PlatformsShopify, WooCommerce, BigCommerce, Magento, and more. No developer headaches required.
Accounting & CRMQuickBooks, Salesforce, Zoho, HubSpot, and NetSuite to keep your books and pipeline in sync.
Developer API AccessThe gateways we set up support direct API integration. Tokenization, recurring billing, webhooks, and 3D Secure included.

Simple from first message to first transaction.

A cleaner, more direct onboarding process, because how your application is presented matters as much as what's in it.

1

Tell us about your business

A short message, email, or call is all it takes. Tell us your industry, what you sell, and what's held you back. We take it from there.

2

We identify the right fit

We assess your risk profile, identify the strongest processing options, and prepare a clean application built to give you the strongest possible shot at approval.* * Approval is not guaranteed and is subject to underwriting review by the acquiring bank or processor.

3

Approved and set up fast

Once approved, we handle setup and configuration, hardware, gateway, or both, so your first transaction goes through without friction.

What others see as risk, we see as opportunity.

We work with businesses across every risk category, from standard retail to complex verticals that traditional processors decline outright.

Real communication. Clear next steps.

One Contact. No Handoffs. No Queue.

Most merchant services companies hand you off the moment the paperwork is signed. You end up navigating support tiers, waiting on callbacks from people who don't know your account, and starting over every time something changes.

That's what I built Sierra Commerce Solutions to fix. When you reach out, I respond. When something needs attention, you're not explaining your situation to someone new. You have one point of contact who knows your business, your history, and what it took to get you approved.

Whether this is your first merchant account or you've been turned down before, you'll work directly with me — start to finish.

— Corey Howard
Corey Howard — Founder, Sierra Commerce Solutions

Start the conversation.

Email, call, or send a message below. You'll hear back from me directly — no automated replies, no gatekeepers.

Sierra Commerce Solutions

When you reach out, I respond. Not a team. Not a queue.

Serving businesses of all types Retail · Ecommerce · Services · Subscription · CBD · Travel · Healthcare · Firearms · Hard-to-Place Verticals · And More

Get Your Application Started

Complete the fields below so we can hit the ground running on our first call. No back-and-forth required.

By submitting this form you agree to our Privacy Policy. Approval and rates are not guaranteed and are subject to underwriting review. Terms vary by business type, processing history, and acquiring bank.