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.
For certain regulated or highly specialized merchant profiles, start your fit review with Source Code Agency.
Visit Source Code Agency →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
Build the infrastructure behind a durable business: the ability to accept payments, create demand, and pursue capital when it fits.
Processing strategy, underwriting preparation, routing, integrations, and support for everyday and complex lawful businesses.
Start a fit reviewMarketing, web, conversion, and reputation services designed around the offer, the channel, and the customer journey.
Explore marketingCapital pathways for businesses that need to finance inventory, expansion, equipment, or the next phase of growth.
Explore capitalHow Covenant works
We review the business as it actually operates, identify viable paths, and keep the next action simple.
Tell us what you sell, how customers find you, how fulfillment works, and what you need from a payments relationship.
We identify the documents, controls, and setup details needed for an informed review.
Where there is a fit, we align processing, growth, or capital options around your actual business model.
Frequently asked questions
Every merchant is evaluated on its own facts. These answers explain the starting point.
No. High-risk is Covenant’s specialty, not its limit. We support lower-risk commerce and complex lawful categories through the same consultative review.
Qualified merchants with a complete file can sometimes be running in as little as 48 hours. Timing depends on underwriting, documents, technical setup, and responsiveness.
Yes. Referral partners can register for the Agent Portal, create and track merchant applications, and collaborate on assigned opportunities.
Start with your business name, website, category, expected volume, average ticket, operating history, and a concise description of what you sell. Do not submit bank credentials, identity numbers, or card data through public forms.
Ready to begin?
Start a confidential fit review and Covenant will help you identify the next practical step.
