Adaptiv Payments is a payment processing company. It’s based in St. Petersburg, Florida, and most of what it does is geared toward businesses that can’t easily get approved by regular payment processors. In other words, high-risk businesses.

The company’s focus is really broad. Adaptiv works with businesses in travel, subscriptions, CBD, logistics, SaaS, pharmacies, fintech, precious metals, and so on.

The list of industries is quite long.

Keep in mind that being labeled high-risk doesn’t just come down to what a merchant sells.

There are many factors that come into play, like high chargeback rates, recurring billing, larger transactions, poor credit, high monthly volume, or if a merchant has previously had their account closed.

Just one of these factors is enough to make payment processing complicated, which is where Adaptiv comes in.

Adaptiv doesn’t advertise one fixed setup for every business because that would make zero sense. The company’s team reviews each merchant based on the industry they’re in, their business model, types of transactions they have, and overall needs for processing.

From there, the business goes through underwriting, and if it's approved, it gets matched with the merchant account and tools for payments that fit what they need. As you can see, Adaptiv’s solutions are very tailored.

But there’s more to Adaptiv’s services than just opening merchant accounts.

It also offers payment gateways, virtual terminals, ACH processing, e-commerce integrations, retail processing, and tools for managing and preventing fraud and chargebacks.

One other thing that the site mentions is custom integrations, and there’s also mention of API work for those that need something more specific.

E-Commerce Integrations

If you’re worried that you’ll have to change your online store’s platform in order to work with Adaptiv, that’s not necessarily the case. Adaptiv supports Shopify, WooCommerce, Wix, Magento, and BigCommerce, so it simply connects to what you already have.

Chargebacks and Fraud

As you can imagine, there’s a lot of focus on chargebacks and fraud.

The thing is, 44% of chargebacks are actually friendly fraud, so imagine working with a business that’s more prone to chargebacks.

There are tools for monitoring transactions, fraud controls, alerts for chargebacks, dispute management, encryption, and tokenization.

Adaptiv Payments Pricing

Pricing is one detail that’s not as clear as the rest. If you’re expecting to see a rate that applies to everyone – think again. But that has nothing to do with the company keeping their prices a secret or anything like that.

The reason for this is that price, just like the account, has to be tailored to the specific merchant.

Costs include fees for setup, monthly or annual fees, transaction fees, gateway fees, and sometimes chargeback fees.

So, the final price depends on what the merchant needs and what their business is like. If they want to know what they’ll pay, they’ll have to get a quote.

Adaptiv has approved more than 10,000 clients and processes more than $1 billion a year.

Quick Overview

• Based in St. Petersburg, Florida.
• The main focus is on high-risk merchant accounts and payment processing.
• According to Adaptiv, more than 10,000 clients have been approved thus far.
• More than $1 billion is processed every year.
• The company has more than 10 years of experience in high-risk payments.
• Customized pricing; no publicly available rate that applies to everyone.
• Merchant approval is subject to underwriting.
• Existing customers get 24/7 support.

Products and Services