SpectrumPayment Solutions
Processor comparisons

Compare Spectrum ePay to the aggregators

Approved then frozen? Product not allowed? See exactly what changes when you move from a shared aggregator to a dedicated high-risk merchant account — 90%+ approvals, USD payouts, and a checkout that feels like Stripe.

Stripe alternative for high-risk

Stripe alternative

Stripe is excellent for standard e-commerce. But its acceptable-use policy restricts many high-risk MCCs — so approvals get reversed and balances get held. Spectrum ePay is the compliant home for the businesses aggregators turn away.

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PayPal froze my account

PayPal alternative

PayPal's aggregator model can limit accounts and hold balances when volume spikes or a business looks high-risk. Spectrum ePay underwrites you to your own merchant account so your cash flow stays yours.

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Square alternative

Square alternative

Square's simplicity comes from a shared aggregator with a broad prohibited-business list. If you're high-risk or scaling fast, Spectrum ePay gives you a dedicated account without giving up a clean checkout.

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Shopify Payments alternative

Shopify Payments alternative

Shopify Payments runs on Stripe's infrastructure and inherits the same acceptable-use limits, so many stores get held or blocked. Spectrum ePay is a compliant gateway you can connect to your store without leaving Shopify.

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Authorize.net alternative

Authorize.net alternative

Authorize.net is a dependable gateway, but you still have to source a compatible high-risk merchant account and live with a dated integration. Spectrum ePay bundles a high-risk merchant account with a modern drop-in checkout.

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Not sure which fits your business?

Tell us who's processing you now and what went wrong. A high-risk specialist will map the fastest path to stable payments.

Start my applicationapply@spectrumepay.com