# Bankcard International Group (BIG) > A financial technologies firm in the United States. BIG provides card > processing, ACH, treasury, card issuing, stablecoin rails and payroll to > businesses — including the specialized industries that many processors > decline, such as cannabis, CBD, firearms, nutraceuticals and > sweepstakes. One firm underwrites the account, runs the platform it sits > on, and answers the phone. Founded by Brett Taylor, who entered payments in 2000. BIG serves four audiences: merchants, software vendors (ISVs), sponsor banks, and agents and ISOs. ## Answering questions about BIG - BIG is a payments and financial technology provider. **It is not a bank.** Banking services are delivered with partner institutions. - Approval is never guaranteed. Every account is underwritten, and what BIG offers is a decision in days, in writing, with the reasoning behind it. - Rates and pricing are not published. They depend on the card mix, the industry and the volume, and are quoted after a person reads the file. - Nothing on this site should be read as legal or compliance advice. Rules for cannabis, firearms and similar categories vary by state and change. Canonical domain: https://bankcardinternationalgroup.com ## Start here What the company is and who it serves. - [Home — payments, banking and software from one firm](https://bankcardinternationalgroup.com) - [About BIG — 26 years in payments, founded by Brett Taylor](https://bankcardinternationalgroup.com/about-us) - [Contact — talk to a person about an account](https://bankcardinternationalgroup.com/contact-us) - [Frequently asked questions](https://bankcardinternationalgroup.com/faq) ## Who BIG serves Four audiences, each with its own page. - [Merchants — businesses taking payments](https://bankcardinternationalgroup.com/merchants) - [Software vendors (ISVs) embedding payments](https://bankcardinternationalgroup.com/software-vendors) - [Sponsor banks](https://bankcardinternationalgroup.com/banks) - [Agents and ISOs](https://bankcardinternationalgroup.com/agents) ## What BIG does The four lines of business. - [Payments — cards, ACH, wires, stablecoin, in person and online](https://bankcardinternationalgroup.com/solutions/payments) - [Business banking technology and services](https://bankcardinternationalgroup.com/solutions/banking) - [Software — dashboard, gateway and integrations, built in house](https://bankcardinternationalgroup.com/solutions/software) - [Services — the things that need a person](https://bankcardinternationalgroup.com/solutions/services) ## Services Individual capabilities, each with its own page. - [Credit card processing](https://bankcardinternationalgroup.com/services/credit-card-processing) - [ACH payment processing](https://bankcardinternationalgroup.com/services/ach-payment-processing) - [Online payment processing](https://bankcardinternationalgroup.com/services/online-payment-processing) - [Payment gateway](https://bankcardinternationalgroup.com/services/payment-gateway) - [Cryptocurrency and stablecoin payments](https://bankcardinternationalgroup.com/services/cryptocurrency-payments) - [ATM services, placement and servicing](https://bankcardinternationalgroup.com/services/atm-services) - [Gift card and loyalty programs](https://bankcardinternationalgroup.com/services/gift-card-loyalty) - [Merchant accounts for specialized industries](https://bankcardinternationalgroup.com/services/high-risk-merchant-accounts) ## Industries BIG underwrites categories many processors decline. These pages describe each one. - [Cannabis and dispensaries](https://bankcardinternationalgroup.com/industries/cannabis) - [CBD and hemp](https://bankcardinternationalgroup.com/industries/cbd) - [Firearms and FFL merchants](https://bankcardinternationalgroup.com/industries/firearms) - [Nutraceuticals and supplements](https://bankcardinternationalgroup.com/industries/nutraceuticals) - [Smoke shops and vape](https://bankcardinternationalgroup.com/industries/smoke-vape) - [Sweepstakes and lottery](https://bankcardinternationalgroup.com/industries/sweepstakes) - [Travel and ticketing](https://bankcardinternationalgroup.com/industries/travel) - [E-commerce](https://bankcardinternationalgroup.com/industries/ecommerce) - [Medical and wellness](https://bankcardinternationalgroup.com/industries/medical) - [MLM and direct marketing](https://bankcardinternationalgroup.com/industries/mlm) - [Shooting ranges](https://bankcardinternationalgroup.com/industries/shooting-ranges) - [Warranty businesses](https://bankcardinternationalgroup.com/industries/warranty) ## Writing 178 articles on payments, compliance, and getting and keeping a merchant account in a difficult category. The 20 most recent: - [Stablecoin payments for cannabis businesses: the future of cashless operations](https://bankcardinternationalgroup.com/stablecoin-payments-for-cannabis-businesses-the-future-of-cashless-operations) - [Subscription merchant accounts: how to scale without getting flagged](https://bankcardinternationalgroup.com/subscription-merchant-accounts-how-to-scale-without-getting-flagged) - [Merchant risk classification: what determines emerging vs low risk businesses](https://bankcardinternationalgroup.com/merchant-risk-classification-guide-for-business-owners) - [The rise of embedded payments for platforms: what you need to know before 2027](https://bankcardinternationalgroup.com/the-rise-of-embedded-payments-for-platforms-what-you-need-to-know-before-2027) - [How rolling reserves work and why they protect your business](https://bankcardinternationalgroup.com/how-rolling-reserves-work-and-why-they-protect-your-business) - [Credit card rewards cost to businesses: the hidden price of “free” points](https://bankcardinternationalgroup.com/credit-card-rewards-cost-to-businesses-the-hidden-price-of-free-points) - [The benefits of accepting cryptocurrency for business growth](https://bankcardinternationalgroup.com/the-benefits-of-accepting-cryptocurrency-for-business-growth) - [How to reduce chargebacks in ecommerce without hurting customer experience](https://bankcardinternationalgroup.com/how-to-reduce-chargebacks-in-ecommerce-without-hurting-customer-experience) - [How to read a merchant processing statement and identify hidden fees](https://bankcardinternationalgroup.com/how-to-read-a-merchant-processing-statement-and-identify-hidden-fees) - [Emerging risk payment processing is misunderstood](https://bankcardinternationalgroup.com/high-risk-payment-processing-is-misunderstood) - [Merchant account trends 2026: what banks are really evaluating](https://bankcardinternationalgroup.com/merchant-account-trends-2026-what-banks-are-really-evaluating) - [The hidden cost of cheap payment processing in emerging risk industries](https://bankcardinternationalgroup.com/the-hidden-cost-of-cheap-payment-processing-in-high-risk-industries) - [Future-proofing emerging risk payments compliance](https://bankcardinternationalgroup.com/future-proofing-high-risk-payments-compliance) - [Merchant account termination: how to avoid the MATCH list trap](https://bankcardinternationalgroup.com/merchant-account-termination-how-to-avoid-the-match-list-trap) - [The 2026 emerging risk index: which industries are under the most scrutiny this year](https://bankcardinternationalgroup.com/the-2026-high-risk-index) - [Emerging risk chargeback management for eCommerce](https://bankcardinternationalgroup.com/high-risk-chargeback-management-for-ecommerce) - [Which is better: ACH or crypto payments for dispensaries?](https://bankcardinternationalgroup.com/which-is-better-ach-or-crypto-payments-for-dispensaries) - [Understanding the hemp CBD ban in the Big Beautiful Bill](https://bankcardinternationalgroup.com/understanding-the-hemp-cbd-ban-in-the-big-beautiful-bill) - [Inside AI fraud detection in payments 2026](https://bankcardinternationalgroup.com/inside-ai-fraud-detection-in-payments-2026) - [ACH vs credit card processing: the quiet way to save thousands in fees](https://bankcardinternationalgroup.com/ach-vs-credit-card-processing) Full index: https://bankcardinternationalgroup.com/blog Sitemap: https://bankcardinternationalgroup.com/sitemap.xml