Payment solutions for any lawful US business
From everyday retail to the hardest lawful high-risk category, Covenant builds around how the merchant actually operates. Qualified merchants with a complete file can be up and running in as little as 48 hours.
Get a payment path built around the actual risk.
Bring Covenant the difficult opportunities in your network.
Explore the complete RUO peptide operating stack.
Apply for catalog, velocity, and dispute monitoring.
Full-spectrum merchant services
We welcome straightforward merchants too. Covenant is a Square reseller with access to roughly two dozen additional processing options, so we can match the platform, pricing, hardware, integration, and underwriting profile to the business.
Retailers, restaurants, salons, spas, professional firms, home-service companies, automotive businesses, and standard ecommerce merchants can use the same consultative process.
Our high-risk experience becomes especially valuable when category, volume, geography, fulfillment, chargebacks, or processing history make underwriting more complex.
Broad high-risk mandate
We look past category labels to the controls, documentation, marketing, fulfillment, processing history, and economics that determine whether a business can be placed responsibly.
Telehealth, LegitScript pathways, online pharmacy, nutraceuticals, RUO peptides, CBD and hemp where legal.
Tobacco and vape, lawful adult content and AI, firearms where legal, dating, gaming and sweepstakes where legal.
Affiliate and lead generation, continuity, digital goods, coaching, SaaS, high-ticket ecommerce.
Collections, lending, crypto and web3, trading education, bail bonds, precious metals, direct selling.
Travel, ticketing, events, moving and storage, custom manufacturing, automotive, and home services.
International, high volume, startups, elevated chargebacks, prior terminations, and MATCH-listed merchants.
Specialized vertical
Kaizen OS, high-risk payment processing, peptide-specific marketing, and domestic wholesale RUO supply through Kaizen Distribution.
Partner-referred compliance
A guided path for eligible wellness, nutraceutical, and high-risk ecommerce merchants that need closer visibility into catalog, velocity, and disputes.
One relationship, three levers
Processing is the foundation. Covenant can help connect it to a more durable acquisition system and aligned capital strategy.
Square and conventional merchant services, right-fit underwriting, high-volume capacity, international considerations, redundancy planning, and specialized MATCH review pathways.
Positioning, acquisition strategy, funnels, creative, conversion, retention, and measurement built for complex verticals.
Capital-needs assessment, financing readiness, and introductions through Covenant Capital for working capital, inventory, equipment, or expansion.
A disciplined process
Products, markets, traffic, volume, history, current friction, and the outcome you need.
We organize the underwriting narrative, identify gaps, and select the strongest realistic route.
Understand requirements, pricing, reserves, timelines, and next steps before you commit.
Full merchant application
Share the operating details that help Covenant evaluate fit and prepare the next conversation.
Straight answers
No. High-risk is our specialty, not our limit. As a Square reseller with access to roughly two dozen additional processing options, we can support lower-risk retail, restaurants, professional services, home services, and standard ecommerce with the same disciplined approach.
We evaluate every lawful high-risk category. Fit depends on the exact products, jurisdictions, marketing, fulfillment, processing history, and available banking relationships.
Yes. We can evaluate lawful telehealth, online pharmacy, and healthcare merchants navigating processor and applicable certification requirements. Certification and processing approval are separate and never guaranteed.
We can pursue specialized options for some MATCH-listed merchants. The path depends on the reason code, underlying facts, remediation, ownership, business model, and full underwriting.
Yes. Covenant works with payments professionals, agencies, consultants, lenders, and industry operators who need a capable home for complex merchant opportunities.
Yes. We can connect payment strategy with acquisition systems and financing pathways. Each service has its own review, approval, availability, and terms.
