High-Risk Merchant Service for Psychic & Tarot Readings
Operating a psychic, tarot, or spiritual guidance business can be profoundly fulfilling — you help others gain insight, clarity, and emotional balance. But when it comes to managing the financial side of your practice — especially accepting card payments — things can quickly become frustrating.
That’s because traditional banks and mainstream payment platforms (like PayPal, Stripe, and Square) often label psychic services as “high-risk.” As a result, you may face account denials, frozen funds, or sudden terminations — even if your business is fully legitimate and compliant.
At 100Services, we specialize in solving this exact problem. We connect spiritual practitioners with trusted high-risk merchant providers that understand your industry — so you can accept payments securely, reliably, and without fear of shutdowns. Best of all? Our service is 100% free.
🔮 Why Are Psychic & Tarot Businesses Labeled “High-Risk”?
The “high-risk” classification doesn’t reflect on your integrity or professionalism — it’s simply how traditional financial institutions assess certain business models. Psychic and metaphysical businesses are often flagged due to:
- Subjective, intangible services: Clients may seek refunds if they feel an emotional or spiritual session didn’t meet expectations.
- High chargeback potential: Whether due to skepticism or buyer’s remorse, readings can sometimes lead to disputes.
- Card-not-present transactions: Most payments are made online, by phone, or via digital platforms, increasing fraud risk.
- Regulatory ambiguity: Some regions have unclear rules around metaphysical services, creating caution in the eyes of banks.
Because of these factors, many providers lump spiritual services together with “fortune-telling,” adult content, or gambling — even if your services are ethical, legal, and helpful.
✅ Our Solution: Tailored Merchant Accounts for Spiritual Businesses
At 100Services, we don’t believe in one-size-fits-all. We work exclusively with merchant providers that support your type of business — whether you’re a solo tarot reader, an astrology coach, or a team of psychic advisors.
When you work with us, you get:
- A custom-fit payment processor that already serves metaphysical businesses
- A secure payment gateway for online or phone transactions
- Recurring billing tools for memberships, subscriptions, or follow-up sessions
- Chargeback protection systems and fraud filters to safeguard your revenue
- Expert guidance on documentation and compliance every step of the way
You focus on your clients — we handle the technical and financial infrastructure behind the scenes.
🎁 Why Our Service Is Free (No Catch)
You may be asking: “If this is so helpful, why is it free?”
Simple — we’re paid a referral fee by the processor if (and only if) your application is successful. You never pay us directly, and there are:
- No setup or consulting fees
- No subscription costs
- No contracts or long-term obligations
- No upsells — ever
This means we are fully aligned with your success. If you get approved and onboarded with a provider that suits your needs, we get compensated. If not — we don’t. It’s a win-win.
🔧 What’s Included With Our High-Risk Merchant Service?
We don’t just connect you with a processor and walk away — we build your entire payment processing foundation. Here’s what’s typically included:
High-Risk Merchant Account:
- Designed for psychic, tarot, or spiritual businesses
- Approved for online, phone, or remote payments
Secure Payment Gateway:
- Easily integrate into your website, booking system, or CRM
- Compatible with WooCommerce, Calendly, Wix, Squarespace, and more
Recurring Billing Tools:
Ideal for coaching packages, subscriptions, or session bundles
Fraud Prevention & Chargeback Tools:
Includes alerts, fraud scoring, and reporting dashboards
Documentation & Application Support:
We help you gather and submit everything properly
Ongoing Support After Approval:
We’re here to help long after you go live
🧘♀️ Who Is This For?
We proudly serve spiritual entrepreneurs of all types, including:
- Tarot readers (online or in-person)
- Intuitive and psychic advisors
- Astrology and numerology services
- Mediums and spiritual channelers
- Reiki and energy healers
- Life path or metaphysical coaches
- Subscription-based spiritual platforms or schools
Whether you work solo or run a growing brand — if you need a dependable way to get paid, we’re here for you.
📩 How the Process Works
Getting started is quick and simple — and there’s zero obligation:
- Reach out to us with some basic business info.
- We analyze your business model, service type, and risk profile.
- We recommend the most suitable high-risk processor from our trusted network.
- We help you prepare your application and supporting documents: Government-issued ID, Business license (if required), Refund & privacy policy, Website or service description
- We manage communications with the processor.
- You get approved and start accepting payments — in as little as 3–7 business days.
💡 What Makes 100Services Different?
There are many “consultants” out there — but here’s what sets us apart:
✅ Exclusive High-Risk Expertise
We only work with high-risk industries, including spiritual and metaphysical services.
✅ No Fees, Ever
We never charge you — we’re paid by processors if you’re approved.
✅ High Approval Rates
We know which processors work for your business type, so you don’t waste time.
✅ Real Human Support
No bots, no runaround — just friendly, knowledgeable support before, during, and after setup.
✅ Fast Turnaround
Most of our clients are matched and approved in under a week.
🌈 Ready to Unlock Secure Payments for Your Psychic or Tarot Business?
You deserve more than rejections from Stripe or PayPal. With 100Services, you gain access to reliable, supportive payment tools — so you can grow your business with confidence and peace of mind.
👉 Contact us today to begin your approval process.
👉 No contracts. No fees. No risks. Just results.
Let’s get your spiritual business set up with the payment solutions it needs — and deserves.
Frequently Asked Questions
Psychic and tarot reading services are often labeled high-risk because they provide intangible, subjective services, which can lead to higher chargeback rates. Since readings are often based on interpretation or belief, some customers may dispute charges more frequently. Additionally, card-not-present transactions and recurring services (such as subscriptions or packages) add complexity for traditional processors. This classification isn’t a reflection of the quality of your work — it’s based on industry patterns. That’s why many standard processors will either deny your application or impose harsh fees and restrictions. We connect you with processors who already work with spiritual and metaphysical businesses — and who understand your model.
Approval starts with presenting your business clearly and professionally. We help you by reviewing your service descriptions, refund policy, and compliance documents. Then, we match you with high-risk-friendly processors who already support similar businesses. This greatly improves your approval chances and avoids unnecessary rejections. Our team handles the paperwork, advises on risk reduction, and communicates with the processor for you. Most businesses we work with receive approval within 3–7 business days. With us, the path to approval is faster, easier, and completely free.
You’ll typically need a government-issued ID, business registration or LLC certificate, a bank account, and a clear service description. If you offer subscriptions, we’ll help you prepare a recurring billing policy and outline your cancellation/refund terms. Some processors may ask for screenshots of your website, privacy policy, and terms of use — we’ll guide you through that, too. If you operate under a personal brand or as a sole proprietor, we can still help. Our role is to make the documentation process smooth and stress-free.
We’re paid by the payment providers, not by you. When we refer a qualified psychic or tarot business, and it gets approved, the processor pays us a referral commission. That’s how we can offer our full service — including business matching, compliance help, and ongoing support — at zero cost to you. There are no hidden fees, upsells, or obligations. Our success is tied to your success, so we’re always motivated to find the best solution. You get expert guidance and full support without ever opening your wallet.
Yes! We work with high-risk processors that support recurring billing, prepaid sessions, and online booking integrations. Whether you offer monthly tarot readings, coaching sessions, or spiritual mentorship programs, we’ll connect you to a provider that can manage it all. Most gateways include tools for invoicing, card-on-file storage, and automatic rebills. Your clients will enjoy a seamless experience — and you’ll enjoy secure, steady payments. Let us know your tech stack or CRM, and we’ll help integrate it smoothly.
Unfortunately, this is common in the spiritual service industry. Stripe, PayPal, and similar platforms often freeze or terminate accounts once they identify your services as “high-risk.” The good news is: that we specialize in helping businesses recover from shutdowns. We can still get you approved — even if you’ve been flagged or banned elsewhere. Our partner processors are high-risk specialists and look beyond what traditional systems see. With our help, you’ll be back to accepting payments — this time with stability and peace of mind.
We don’t just know the payment industry — we understand your industry. At 100Services, we’ve helped dozens of metaphysical and spiritual businesses get approved with ease. We know which processors welcome tarot, astrology, and psychic services and which ones to avoid. Plus, our team offers personalized support and quick response times, unlike big platforms. You’ll never feel alone in the process — and you’ll never pay us a dime. That’s why we’re the most trusted high-risk payment solution for psychic entrepreneurs.
Once you’re approved, setup usually takes just 24–48 hours. Your payment gateway will be configured, and you’ll receive login credentials and API keys. If you need help integrating with your website or scheduling system, we can assist or guide you to the processor’s team. Some clients start accepting payments the very next day after approval. We know time is money — and we’re here to help you get started fast, smoothly, and securely. Best of all, the entire process is handled with our guidance — for free.
