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Durango Merchant Services

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Pros

  • A+ BBB rating and long-standing accreditation
  • No setup or application fees
  • No early termination fees
  • Flexible month-to-month contracts
  • Dedicated account managers
  • High-risk industry expertise

Cons

  • Often works with medium to high volume merchants
  • Rolling reserve and cash-flow drag

Overview

Durango Merchant Services specializes in providing merchant accounts for businesses often rejected by mainstream processors. Acting as a placement specialist, they connect merchants with a network of domestic and offshore acquiring banks. Their focus is on high-risk industries and they are especially known for their high-touch support, flexible contract terms, and ability to secure stable, long-term processing for industries that typically struggle to get approved.

Supported Business Types

  • E-commerce: High-volume stores, subscriptions, and digital goods like software and e-books
  • Regulated Products: CBD, supplements, nutraceuticals, and smoke shops
  • Adult Entertainment: Online adult content and products
  • Travel & Tourism: Airlines, booking agencies, tour operators
  • Gaming: Online gaming, fantasy sports, and skill-based games
  • Subscription & Continuity: Recurring billing businesses
  • Others: Collection agencies, high-ticket items, and international/offshore operations

Services

Durango offers a full suite of services designed for high-risk merchants:

Merchant Accounts

  • Domestic (US) high-risk accounts
  • Offshore/international accounts for global operations or industries requiring offshore banking

Payment Gateway

  • Durango Payment Gateway (Durango Pay) with API integration (Direct Post, Collect.js)
  • Recurring billing and tokenization (customer vault)
  • Integrates with major platforms like WooCommerce and Magento
  • Tap-to-Pay SoftPOS solution for NFC-enabled smartphones

Payment Methods Supported

  • Credit & debit cards (Visa, Mastercard, Amex, Discover)
  • ACH / eCheck processing

Risk Management Tools

  • Chargeback alerts and dispute management
  • Fraud prevention tools, including AVS, CVV verification, and 3D Secure

Contracts & Underwriting

  • Contract Length: Flexible, including month-to-month options
  • Early Termination Fee: Typically none
  • Rolling Reserve: Standard practice (5%–15% of sales held for 90–180 days)

    • Application Process:

    • Online application submission with required documents
    • Underwriting review (website, policies, bank statements)
    • Placement with the most suitable acquiring bank
    • Approval in 24–72 hours if documentation is complete

    * Required Documents: Government ID, EIN, 3–6 months of bank statements, 3–6 months of processing statements (if available), and a fully compliant website with refund/privacy policies.

    Customer Support & Reputation

    Durango has an excellent reputation in the high-risk space:
    • BBB Rating: A+, accredited since 2006
    • Support: High-touch, responsive customer service
    • Account Managers: Dedicated managers for each merchant
    • Availability: 24/7 support

    Final Word

    Durango Merchant Services is a top-tier solution for merchants in high-risk or hard-to-place industries. While pricing isn’t the lowest, their combination of A+ BBB rating, zero setup fees, no early termination fees, and flexible contracts makes them a highly reliable choice. They are particularly well-suited for CBD, travel, subscription-based e-commerce, and other challenging industries that require a stable and long-term processing partner.