Payment Processing for
Businesses Others Won't Touch
Banks reject you. Square cancels you. Stripe flags your account. We built Kova Payments for exactly that — specialists in high-risk merchant accounts with fast approvals and no surprise terminations.
High-Risk Specialists
Dedicated Sites for Our Top Niches
Full approval pipelines and niche-specific expertise — built from the ground up for each business type.
Pawn Shops
Pawnbroker Payments
Collateral lending, firearms sales, high-ticket resale. We understand the pawn business model and won't suddenly decide your inventory is a liability.
pawnbrokerpayments.com →FFL Dealers
FFL Dealer Payments
Firearms sales, transfers, and accessories. Purpose-built for licensed dealers who've been dropped by processors over their product category.
ffldealerpayments.com →Also a Great Fit
Mainstream Businesses That Deserve Better Processing
Not every business is high-risk — but every business deserves competitive rates, reliable uptime, and a processor that actually picks up the phone.
HVAC
Large ticket sizes, seasonal volume swings, and field-based transactions — we're set up for how your business actually runs.
Auto Dealers
High-dollar transactions, mixed payment types, and complex sales flows. We work with dealers who need more than a basic swipe terminal.
Mechanics & Auto Repair
Variable invoice sizes and customers who want to split payments. Reliable processing that keeps your service bay moving.
Get in Touch
Let's Talk About Your Business
Tell us a bit about your situation. We'll follow up within one business day.
Why Kova
Built for the Businesses Banks Ignore
01
We specialize, not generalize
We built our underwriting around the niches others avoid — not as an afterthought, but from day one.
02
Fast approvals
Most accounts approved within 24–48 hours. Start taking cards this week, not after a month of back-and-forth.
03
No surprise terminations
We won't suddenly decide your business type is a problem. We knew what you do when we approved you.