Industries We Serve
We Serve the Industries Others Won't
QMA works with a wide range of merchants, from traditional retail and professional services to specialized industries that may require additional processor review.
Industries QMA Can Review
Tell us about your industry, volume, and processing needs. We’ll help review the next step.
Specialized & High-Risk Industries
For businesses that may not fit standard processor rules or may need additional underwriting review.
Industry
Processing Considerations
Suggested Solutions
CBD & Hemp Products
Product documentation, claims, shipping rules
High-risk merchant account, ecommerce gateway, product documentation review
Vape & E-Cigarettes
Age controls, product type, fulfillment policies
Specialized processing, age-control review, ecommerce gateway
Tobacco / Cigar Sales
Specialized review, channel restrictions
High-risk merchant account, age verification, ecommerce processing
Online Dating
Subscriptions, moderation, chargeback exposure
Subscription billing, chargeback prevention, specialized processor review
Online Gaming
Jurisdiction, licensing, customer geography
Specialized review, jurisdiction review, alternative payment options
Social Gaming
Specialized review depending on model
Specialized review, digital payments, fraud controls
MLM / Direct Sales
Compensation structure, refunds, recurring billing
High-risk merchant account, recurring billing, compensation model review
Telemarketing
Call scripts, authorization, complaint risk
MOTO processing, call authorization review, chargeback prevention
MOTO / Phone Order Businesses
Card-not-present risk, verification process
Virtual terminal, MOTO merchant account, fraud controls
Direct Response Marketing
Claims, call flow, refund policy
High-risk merchant account, chargeback tools, claims review
Infomercial Businesses
Claims, fulfillment, refund exposure
MOTO and ecommerce processing, fulfillment review, chargeback prevention
High-Ticket Businesses
Average ticket review, documentation
High-ticket merchant account, reserves review, fraud prevention
Remote IT / Tech Support
Specialized review and customer complaint risk
Specialized processor review, virtual terminal, complaint-risk review
Business Opportunity Offers
Specialized review depending on claims
Specialized review, claims review, payment gateway
Document Preparation Services
Conditional review depending on service type
Specialized review, service agreement review, online payments
Warranty / Extended Warranty
Specialized review, terms and fulfillment
Specialized processing, terms review, recurring or service billing
Adult-Oriented Businesses
Conditional review depending on content and processor appetite
Conditional processor review, age/content review, specialized payment options
Retail & Ecommerce
For merchants selling physical products, online goods, or operating retail stores.
Industry
Processing Considerations
Suggested Solutions
Retail Stores
In-person payments, terminals, Tap to Pay, POS setup
POS systems, Tap to Pay, in-store terminals, next-day funding
Ecommerce Stores
Online checkout, payment gateway, fraud controls
Payment gateway, hosted checkout, fraud tools, chargeback prevention
Shopify / WooCommerce Merchants
Ecommerce processing, gateway compatibility
Ecommerce plugins, gateway setup, alternative processors
Beauty & Personal Care Ecommerce
Online product sales, shipping, refund policies
Ecommerce processing, recurring billing, fraud controls
Electronics
Higher-ticket ecommerce, fraud controls, chargeback review
High-ticket processing, fraud screening, chargeback alerts
Furniture & Home Goods
Higher-ticket orders, delivery timing, custom orders
High-ticket processing, deposits, invoicing, delivery-based billing
Jewelry & Accessories
High-ticket transactions, fraud prevention
High-ticket merchant account, fraud prevention, AVS/CVV controls
Pet Supplies
Ecommerce or retail payment processing
Ecommerce gateway, retail POS, recurring product subscriptions
Auto Parts
Retail and online payment acceptance
Ecommerce processing, invoicing, card-not-present payments
Collectibles & Antiques
Higher-ticket or specialty product sales
High-ticket processing, fraud review, invoice payments
Dropshipping
Fulfillment timing, refund policy, chargeback exposure
High-risk merchant account, chargeback tools, refund policy review
Online Marketplaces
Multi-seller model, onboarding, payout considerations
Marketplace payments, seller onboarding, split payouts
Professional & Business Services
For service-based businesses that need reliable payment acceptance.
Industry
Processing Considerations
Suggested Solutions
Consulting
Service payments, invoices, card-not-present transactions
Invoicing, virtual terminal, recurring billing
Legal Services
Professional service billing, retainers, invoices
Invoice payments, retainers, ACH/eCheck, card payments
Accounting & Tax Services
Invoice payments, recurring clients
Invoice payments, ACH/eCheck, recurring client billing
Insurance Services
Service payments and policy-related billing
Card payments, ACH/eCheck, recurring premiums
Marketing Agencies
Project-based and recurring payments
Recurring billing, invoices, card-on-file
SEO Agencies
Monthly retainers, subscription-style billing
Monthly billing, subscriptions, ACH and card payments
Lead Generation Businesses
Specialized review depending on model
Specialized review, high-risk merchant account, compliance review
General Contractors
Deposits, progress payments, higher-ticket jobs
Deposits, progress payments, invoicing, ACH/eCheck
Interior Design
Project payments, deposits, custom orders
High-ticket payments, deposits, invoice payments
Coaching & Business Services
Packages, online programs, recurring billing
Online checkout, subscriptions, digital product payments
IT Services
Remote service billing, invoice payments
Remote payments, virtual terminal, recurring billing
Web Hosting & Cloud Services
Recurring billing, online service delivery
Subscription billing, card-on-file, automated renewals
Health, Wellness & Beauty
For salons, spas, fitness, wellness, telemedicine, and product-based health merchants.
Industry
Processing Considerations
Suggested Solutions
Salons & Barbershops
In-person payments, tips, appointments
POS systems, Tap to Pay, tips, appointment deposits
Nail Studios
POS, booking deposits, service payments
POS setup, booking deposits, mobile payments
Beauty Spas
Service payments, memberships, packages
Membership billing, package payments, card-on-file
Skincare Studios
Appointments, deposits, product sales
Appointment payments, deposits, product sales checkout
Health Clubs
Membership billing, recurring payments
Membership billing, recurring payments, ACH/eCheck
Fitness Studios
Card-on-file, subscriptions, classes
Recurring billing, card-on-file, class packages
Personal Trainers
Packages, online and in-person payments
Package payments, mobile payments, invoices
Wellness Clinics
Service payments and higher-ticket packages
High-ticket packages, payment plans, invoicing
Medical Spas
Specialized review for treatment packages and higher-ticket services
Specialized review, high-ticket processing, payment plans
Telemedicine
Online payments, remote service billing, documentation review
Online payments, secure checkout, recurring billing
Teeth Whitening
Service and product payments
Service payments, product checkout, appointment deposits
Hair Loss Products
Product claims, refund policy, specialized review
Ecommerce processing, subscription billing, claims review
Weight Loss Programs
Product/program claims, subscriptions, refund review
Subscription billing, specialized review, chargeback prevention
Online Coaching & Self-Help
Digital programs, subscriptions, course payments
Digital checkout, subscriptions, course payments
Supplements & Nutraceuticals
Specialized review for claims, labels, autoship, and chargebacks
High-risk merchant account, autoship billing, chargeback tools
Travel, Hospitality & Events
For businesses with bookings, reservations, delayed delivery, tickets, and travel-related payments.
Industry
Processing Considerations
Suggested Solutions
Travel Agencies
Delayed delivery, cancellations, refunds
Travel merchant account, deposits, refund management
Tour Operators
Deposits, future delivery, refund policies
Deposits, future delivery payments, invoice payments
Vacation Packages
Higher-ticket travel transactions
High-ticket processing, payment plans, chargeback prevention
Ticket Brokers
Event timing, refunds, chargeback exposure
High-risk merchant account, fraud tools, chargeback alerts
Event Planners
Deposits, invoices, service packages
Deposits, invoicing, final balance payments
Catering
Deposits, final payments, event billing
Deposits, invoices, mobile payments
Hotels & Hospitality
Reservations, card-on-file, deposits
Reservations, card-on-file, deposits, POS systems
Car Rental
Deposits, damage charges, card-present/card-not-present
Deposits, card-present payments, card-not-present payments
Charter Services
Higher-ticket bookings, scheduled services
High-ticket bookings, deposits, invoice payments
Cruise & Travel Clubs
Memberships, recurring or future travel delivery
Membership billing, recurring payments, travel processing
Digital & Online Businesses
For businesses that sell digital services, online products, software, or virtual access.
Industry
Processing Considerations
Suggested Solutions
SaaS
Recurring billing, subscriptions, card-on-file
Subscription billing, card-on-file, payment gateway
Digital Products
Online checkout and fraud controls
Hosted checkout, fraud controls, instant delivery payments
Downloadable Software
Digital delivery, refund policy review
Digital checkout, refund policy review, fraud tools
Online Courses
Course payments, subscriptions, coaching packages
Course checkout, subscriptions, payment plans
Membership Sites
Recurring billing and cancellation terms
Recurring billing, cancellation management, card updater
Streaming Services
Subscription payments, digital access
Subscription billing, recurring payments, digital access payments
Web Hosting
Recurring billing, online service delivery
Recurring billing, automated renewals, card-on-file
Cloud Services
Subscription billing, card-not-present transactions
Subscription billing, gateway integration, ACH and card payments
App-Based Businesses
Online payments and user billing
In-app payments, online checkout, recurring billing
Creator / Content Platforms
Subscription, digital access, creator monetization
Subscription payments, creator monetization, payout support
Online Communities
Membership payments and renewals
Membership billing, renewals, recurring payments
Subscription & Membership Businesses
For merchants that bill customers on a recurring basis.
Industry
Processing Considerations
Suggested Solutions
Subscription Boxes
Recurring billing, shipping, refund policies
Recurring billing, ecommerce processing, chargeback prevention
Membership Clubs
Card-on-file, renewals, cancellation terms
Card-on-file, ACH/eCheck, renewal billing
Continuity Programs
Rebill disclosures, customer support
Recurring billing, cancellation terms review, chargeback tools
Annual Memberships
Renewal reminders, cancellation clarity
Renewal billing, reminder setup, card updater
Fitness Memberships
Recurring card payments
Recurring payments, ACH/eCheck, card-on-file
Wellness Subscriptions
Autoship, supplement, beauty, or coaching plans
Autoship billing, specialized review, refund policy review
Online Membership Sites
Digital access and recurring billing
Digital access billing, recurring payments, gateway setup
Trial-to-Paid Offers
Higher scrutiny, clear terms needed
Specialized review, billing disclosures, chargeback prevention
Negative Option Billing
Specialized review, clear consent and cancellation
Specialized processor review, rebill compliance, chargeback tools
Recurring Service Plans
Monthly billing for services
Monthly billing, card-on-file, ACH/eCheck
Financial & Credit Services
For finance-adjacent merchants that may require additional documentation and specialized review.
Industry
Processing Considerations
Suggested Solutions
Financial Services
Specialized review depending on service type
Specialized merchant review, ACH/eCheck, documentation support
Credit Repair
Marketing claims, disclosures, refund policy
High-risk merchant account, compliance review, recurring billing
Debt Relief
Compliance-sensitive, documentation review
Specialized review, ACH/eCheck, documentation support
Tax Relief
Service claims and customer agreement review
Invoice payments, ACH/eCheck, service agreement review
Loan Services
Specialized review, documentation needed
Specialized processing review, ACH/eCheck, compliance documentation
Mortgage / Loan Modification
Compliance and claims review
Documentation review, ACH and card payments, compliance-sensitive processing
Collections
Higher scrutiny, business model review
Specialized review, ACH/eCheck, virtual terminal
Credit Reporting Services
Documentation and compliance review
Compliance review, recurring billing, ACH/eCheck
Investment Education
Claims and service model review
Specialized review, digital product payments, claims review
Forex / Trading Education
Specialized review depending on offering
Specialized review, online checkout, chargeback prevention
Crypto-Related Businesses
Conditional review depending on activity
Conditional processor review, compliance documentation, alternative payment options
Specialized & High-Risk Industries
For businesses that may not fit standard processor rules or may need additional underwriting review.
Industry
Processing Considerations
Suggested Solutions
CBD & Hemp Products
Product documentation, claims, shipping rules
High-risk merchant account, ecommerce gateway, product documentation review
Vape & E-Cigarettes
Age controls, product type, fulfillment policies
Specialized processing, age-control review, ecommerce gateway
Tobacco / Cigar Sales
Specialized review, channel restrictions
High-risk merchant account, age verification, ecommerce processing
Online Dating
Subscriptions, moderation, chargeback exposure
Subscription billing, chargeback prevention, specialized processor review
Online Gaming
Jurisdiction, licensing, customer geography
Specialized review, jurisdiction review, alternative payment options
Social Gaming
Specialized review depending on model
Specialized review, digital payments, fraud controls
MLM / Direct Sales
Compensation structure, refunds, recurring billing
High-risk merchant account, recurring billing, compensation model review
Telemarketing
Call scripts, authorization, complaint risk
MOTO processing, call authorization review, chargeback prevention
MOTO / Phone Order Businesses
Card-not-present risk, verification process
Virtual terminal, MOTO merchant account, fraud controls
Direct Response Marketing
Claims, call flow, refund policy
High-risk merchant account, chargeback tools, claims review
Infomercial Businesses
Claims, fulfillment, refund exposure
MOTO and ecommerce processing, fulfillment review, chargeback prevention
High-Ticket Businesses
Average ticket review, documentation
High-ticket merchant account, reserves review, fraud prevention
Remote IT / Tech Support
Specialized review and customer complaint risk
Specialized processor review, virtual terminal, complaint-risk review
Business Opportunity Offers
Specialized review depending on claims
Specialized review, claims review, payment gateway
Document Preparation Services
Conditional review depending on service type
Specialized review, service agreement review, online payments
Warranty / Extended Warranty
Specialized review, terms and fulfillment
Specialized processing, terms review, recurring or service billing
Adult-Oriented Businesses
Conditional review depending on content and processor appetite
Conditional processor review, age/content review, specialized payment options
Common Questions
Industries FAQ
Answers to common questions about industries, processor review, and merchant account options.
Don't See Your Industry Listed?
We work with a wide range of businesses. Contact us to discuss your specific situation and we'll let you know honestly what options are available.