Merchant accounts for every business, including the hard ones.
Durango Merchant Services sets up merchant accounts, payment gateways and ACH processing for businesses across the U.S., Canada, Europe and beyond. We've spent more than 20 years getting hard-to-place businesses approved, so whatever you sell, you're in experienced hands.
Talk to a real person: call (866) 415-2636, Monday to Friday, 8:30 AM to 5:00 PM MT, or request a free quote any time.
Already a merchant? Log in to your account
"We are paying lower rates and have better service as a result of working with Durango. They are professional, honest, responsive and easy to work with."
Where are you starting from?
Pick the line that sounds like you. Each one leads to the page built for your situation, and your account manager takes it from there.
My industry is hard to get approved
Whether you sell supplements, travel or subscriptions, offer credit repair or have a past shutdown, we've spent 20+ years getting businesses like yours approved.
High risk merchant accountsMy processor froze or closed my account
Get a stable account in your own name and keep selling. Pick the platform you're leaving:
Why accounts get shut downI sell internationally
Open merchant accounts in Canada, Europe, the UK and Panama, with multi-currency pricing and settlement.
See where we processI take payments in person or by phone
Take card-present payments with POS systems, and phone and mail orders with a virtual terminal.
Credit card processingI want lower fees or a better processor
Get transparent interchange-plus pricing, written into your offer before you sign, with no application fee.
Transparent interchange-plus pricingI want to take bank payments
Use ACH and eCheck processing for recurring billing, large tickets or while you build a card processing history.
ACH and eCheck processingI need to be approved quickly
Approval can take as little as 24 hours on business days when your documents are ready.
How fast approval really takesI want to keep my gateway
Happy with Authorize.net, NMI, FluidPay or Inovio? Keep it, or use our own Durango Pay Gateway.
See gateway options
Not sure which one fits? Tell us what you sell, and your account manager will point you to the right account.
Get a Free QuoteFind merchant services for your industry
We've served hundreds of industries, from supplements and travel to jewelry, SaaS and pawn shops. Search the ones with their own guide below.
Popular
Browse all 52 industries by category
Health and wellness
Online and subscription
Travel and hospitality
Luxury and high ticket
Financial and professional services
Regulated and specialty retail
No page for that one yet, but we may still be able to help. Get a free quote and tell us what you sell, or call (866) 415-2636.
Don't see yours? We've served hundreds of industries, and most businesses can be approved. Tell us what you sell when you request a quote.
Get a Free QuoteFrom free quote to first sale, in four steps
Approval can take as little as 24 hours on business days. Most accounts take 1–3 business days, and complex accounts take 3–5. The more your paperwork is in order, the faster it goes.
Request a free quote
A short pre-application covers what you sell, your monthly volume and any account history.
Your account manager reaches out
They usually reach out the same business day to review your pre-application and ask for the documents needed for approval.
Get approved
We prepare a complete application and see it through, with your terms in writing before you sign.
Go live on your schedule
Connect your gateway, run a test transaction and start processing whenever you're ready.
Experienced hands, from your first question to your first transaction
- One account manager who knows your business, from your first quote to go-live and beyond.
- Transparent pricing, written into your offer before you sign.
- No application fee, and no termination fees on U.S. accounts.
- Free fraud and chargeback tools, plus training. See our chargeback and fraud solutions.
- Every way to get paid: online, in person, by phone, with recurring billing and through ACH.
What Is Durango Merchant Services · 4 minutes
Use our gateway, or keep the one you like
Your merchant account works with the gateway and shopping cart you already use. Your account manager helps you connect and test it.
Durango Pay Gateway
Our own gateway connects to more than 200 platforms and carts, with a virtual terminal, recurring billing, invoicing and fraud tools built in.
Keep your gateway
We partner with the gateways merchants already trust, so if you're happy with yours, you don't have to switch.
- Authorize.net
- FluidPay
- NMI
- Inovio
Works with your cart
Popular platforms, including high risk setups where the platform's own payments won't approve you.
Merchant accounts at home and abroad
Set up your account in the U.S., or open international merchant accounts with multi-currency processing so your customers can pay in their own currency.
24–48 hours is the baseline for international approvals when paperwork is in order$50,000 is the monthly processing minimum for international accounts
Get a Free QuoteWhat merchants say about Durango Merchant Services
"If you are what would be considered a high risk business let me tell you this.. Durango will help you every step of the way to make sure you have the best merchant services possible! Don't worry about ever having to stay on the phone for hours at a time talking to robots, Because there will always be someone at Durango who has time to take your call! …"
"Brad of Durango Merchant Services is a true professional. He is honest, he is prompt, and he gets the job done. It's rare to find people like this. I would highly recommend him to help you with your merchant account needs. We have been working with his company for many years, and it has been an excellent experience!"
"He made sure that the process of setting up the merchant account was transparent. I didn’t know what to expect but he was very informative and knowledgeable. He was prompt in his responses to my questions and he is very professional! I would definitely recommend Durango."
Join 30,000+ merchants who process with Durango Merchant Services.
Get a Free Quote
Free answers for merchants
Look up a decline code, decode an ACH return or get ahead of chargebacks. No sign-up is needed.
Join our affiliate program
What does Durango Merchant Services do?
Durango Merchant Services sets up merchant accounts, payment gateways and ACH processing for businesses in the U.S., Canada, Europe, the UK and Panama. Founded in 2004 in Durango, Colorado, DMS has served more than 30,000 merchants and processed more than $800 million for them. DMS is a registered ISO of Fifth Third Bank, N.A.
Do you only work with high risk businesses?
No. DMS works with low-risk and high risk businesses alike, from retail stores, B2B companies and SaaS to supplements, travel and credit repair. Our experience with hard-to-place businesses is what sets us apart, but every merchant gets the same dedicated account manager.
How much does a merchant account cost?
There is no application fee, and U.S. accounts have no termination fees. Your rate depends on your industry, monthly volume, ticket size and processing history, and it is written into your offer before you sign.
How long does it take to get approved?
Approval can take as little as 24 hours on business days when your documents are ready. Most accounts take 1–3 business days, and complex accounts take 3–5. International accounts take 24–48 hours as a baseline when paperwork is in order.
How do I reach Durango Merchant Services?
Call (866) 415-2636 or (970) 259-8660, Monday to Friday, 8:30 AM to 5:00 PM Mountain Time, or request a free quote online any time. Our office is at 10 Town Plaza #162, Durango, CO 81301.
I'm already a merchant. How do I log in or get help?
Log in to your account through the merchant login, or contact your account manager directly. You can also reach support through our contact page.
Tell us what you sell. We'll show you the way to approval.
A free quote takes a few minutes. Your account manager follows up, usually the same business day. There's no application fee, and U.S. accounts have no termination fees.