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    Why GHPS

    Specialists in the merchants other processors won't touch.

    GHPS exists for one reason: to give high-risk operators a payment relationship that is compliance-aware, experienced, and practical — built around how your category actually operates.

    At a glance
    in high-risk categories
    15+ yrs
    application response target
    24–48 hrs
    primary verticals
    Cannabis · CBD · Vape
    The four pillars

    Why the right merchants choose us.

    PILLAR · 01

    Compliance-first mindset

    Our review process is structured around AML/BSA expectations and category-specific risk frameworks — not boilerplate language or marketing claims.

    PILLAR · 02

    Specialists in complex categories

    Cannabis, CBD, vape, and other hard-to-place merchants are our core focus. We've worked in these categories for 15+ years.

    PILLAR · 03

    A real person on file

    Every application is reviewed by an experienced merchant specialist — not a black-box model. You'll know who is reviewing your account and how to reach them.

    PILLAR · 04

    Clearer pathways for hard-to-place businesses

    We offer practical guidance through a complex payments environment — without overstating what we can promise on any single account.

    Generic processors vs. GHPS

    What changes when a specialist reviews your file.

    Generic processor
    GHPS
    • One-size-fits-all classification on a generic processor
      Category-aware review for cannabis, CBD, vape, and adjacent verticals
    • Automated approval, then sudden deboard
      Experienced reviewer, ongoing relationship, advance notice when feasible if anything changes
    • Generic MCC, mis-coded transactions
      Category-appropriate MCC, descriptor, and program selection
    • Tier-1 ticket queue support
      Named account contact and direct line to the team reviewing your file
    Direct answers

    Questions high-risk merchants ask first.

    Why do cannabis and CBD merchants need a specialist payment partner?

    Cannabis, CBD, vape, and adjacent high-risk categories often require category-aware review, licensing context, AML/KYC checks, and clearer onboarding expectations than generic processors provide.

    Does GHPS automatically approve high-risk merchant accounts?

    No. GHPS reviews each merchant file case by case and cannot guarantee approval, pricing, timelines, or continued processing availability.

    What makes GHPS different from a generic processor?

    GHPS is focused on hard-to-place businesses and reviews merchant files with category context, compliance-aware onboarding, and direct human follow-up.

    "We don't sell speed. We sell durability. The merchants who work with us are looking for a relationship that holds up as their category evolves — and a team that's calm, experienced, and clear about what we can do."

    Chris Mills · Founder & CEO

    See if your category is supported.

    A short qualifier helps us confirm whether your vertical and state fit the programs we currently support.

    No SSN at qualifier

    Applications open

    Apply Now