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How to open a cruise line merchant account

High Risk Payment Pro’s has help tons of cruise liners obtain merchant accounts, let us help you today!

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*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.

In Search of Cruise Line Merchant Accounts?

Operating a cruise line is a huge task and comes with a lot of responsibilities. With all kinds of laws and regulations it can be difficult navigating a new cruit line business. For example tax and safety rules, serving huge groups of passengers, weather conditions, and managing thousands of employees. It can become overwhelming when in search of a merchant account that is the right fit. High Risk Payment Pro’s is a comprehensive cruise line merchant account provider.

We understand the complexity of this industry and the necessity to provide reliable and affordable credit card processing services for your cruise line business. It is vital to find a cruise line merchant account that has good relationships with banks, savvy technology, and experience with cruise line companies. Payment Pro’s has a fast and effective application approval process. Cruise Lines generally sell tickets online, therefor there needs to be a credit card processor that works with eCommerce and card not present transactions.

However, because this and the large chargeback ratio the cruise line industry and categorized as high risk when finding a merchant account provider.

Has Payment Processing for Your Cruise Line Merchant Account Been Shut Down?

Well, High Risk Payment Pro’s is here to help. Taking a cruise is a luxury and cruise line companies usually make it a priority to help satify their customers. With luxury amentities on the boat, hassle free travel, and billing and payment procedures. Everything must be simple and positive for their clientele, in order to retain clients and gain referrals so the cruise line expands and becomes profitable.

Due to the nature of this line of business, it is classified as high risk and that leads to it being a struggle when finding the perfect merchant account. Most generic merchant account providers will either deny a risky application or eventually shut down the payment processing. So you might wonder why a cruise line business could be shut down. Well, there are a number of common reasons. For example, the risk of chargebacks and cancelations, online reservations and advanced scheduling, high-valute transactions, and irregular billing schedules. Why do cruise line related businesses struggle with reliable merchant account providers?

Well, for a variety of reasons. Usually, the billing and payment collection cycles are irregular, cruises are booked in advance as much as years because they actually sail off, risk of cancelations and chargebacks, and the actual dollar amount of transactions is incredibly high. It is not a small purchase, cruises are very expensive and meant for luxury living.

Unfortunately, for many cruise line related businesses there is a high merchant account deny or shut down rate. There is a large amount of exposure risk because of the high-ticket rates. A high-risk merchant account is similar to a high-risk credit card you could receive if you had poor credit and were attempting to build your credit back up.

However, in the cruise line industry it is essential that you provider potential passengers with payment processing so they can book their exciting new trip! Because some people decide to cancel their tickets for a number of reasons it can damage a cruise lines reputation. It is not the end of the world if your cruise line merchant account was shut down because your card processing became too risky. We are specialized in high risk merchant accounts and can confidently take on your business. Clearly these merchant account providers that shut down or denied your cruise line merchant account are not equipped, knowledgeable or willing enough to handle the cruise line industry. High Risk Payment Pro’s has unwavering support for high risk merchant accounts, normal credit card prosessors are too uneasy and defiant against high risk businesses.

When you apply with Payment Pro’s for your cruise line payment processing account, you can expect to hear back from us under 24 hours. You want to create a phenominal experience for your passengers, and to do so you need to choose a merchant account provider that gives you the financial security and flexibility to do so. We will get you approved and accepting payments in no time!

How Can High Risk Payment Pro’s Help Me Get Merchant Account Solutions for Cruise Lines?

So, youre looking for reliable and comprehensive credit card processing for your cruise line. Well, High Risk Payment Pro’s can help your cruise line business. High Risk Payment Pro’s has affordable rates, and easy application with fast approval. Avoid merchant accounts that do not have experience with high risk because it will only harm your business. We have the experience and tech savvy solutions for your cruise line merchant account. We provide your business with the necessary information and support system you need when processing clients cards. We have strong, positive banking relationships and the connections to get you approved and accepting payments in less than 24 hours.


  • Fill out an online application
  • Submit the proper documentation
  • Let our expert underwriting team go to work for you to get you approved
  • Start accepting payments and making money

Looking for a Cruise Lines merchant account?

Why High Risk Payment Pro’s?

Why not! Payment Pro’s is here to guide the diverse adult related businesses and adult merchant accounts. We fully understand the industry in depth and all the challenges adult entertainment businesses face, so we are here to give you the best experience imaginable. 

We want your business to flourish and grow for the long term. Payment Pro’s is an established and tech savvy merchant provider that can get your business taking payments in no time!


Our Services

Cruise Lines Merchant Account Experts

  • Fast Account Approval
  • Large Merchants Welcome
  • 10+ Banking Relationships
  • Retail & E-Commerce Adult Accounts
  • B2B Adult Accounts Welcome
  • In House Under Writing

Multiple Payment Solutions

  • Credit Cards
  • ACH
  • E-Checks
  • Custom Gateway
  • Mobile Payments
  • EMV Readers
  • B2B-Level 2/3 Data Discounts
  • Chargeback Management
  • SSL Secure Checkout

Top Customer Service

  • POS/Terminals Available
  • Developer API/Docs
  • Dedicated Account Managers
  • Custom Gateway Tools
  • Vault
  • Custom Checkout Plugins