Finding the right warranty payment partner shouldn't be this hard.
Warranty businesses assume long-term obligations. Payment processors see this as potential liability because if a business fails before the warranty term ends, the processor might be responsible for chargebacks. Combine that with elevated chargeback rates, regulatory scrutiny, and inconsistent cash flow — and most warranty businesses struggle to find the right partner. BIG specializes in exactly this category, with banking relationships and underwriting frameworks built around the warranty model.
Specialized processing for every warranty model
Extended product warranties, home warranties, electronics coverage, auto — BIG has a solution structured for your business model.
Why warranty operators stay with BIG.
Underwriting that understands deferred liability
Warranty payment processing requires acquiring banks that understand the deferred-liability model — payment now, performance later. BIG places merchants with banks that have underwritten the model directly and won't pull the account when audit cycles change.
Chargeback prevention for late disputes
Warranty customers may dispute charges months after the initial transaction. BIG implements proactive chargeback alerts that catch disputes at the issuing-bank stage — giving you time to resolve directly with the customer.
Specialized underwriting, not generic 'high-risk'
Our underwriters understand the warranty business model. Your account is structured to reflect your actual risk profile — extended electronics, home plans, auto warranties — not a generic high-risk surcharge.
Real 5-star reviews on Google. No edits, no incentives — just what merchants say when we’re not in the room.
“Highly recommend—professional, kind, easy to work with.”
“I'm very happy and satisfied with the service and platform. I've always had someone I can reach out to directly whenever I have questions, and they're always quick to help and follow up. On top of that, they regularly check in just to see how things are going, which I really appreciate. Their pricing is fair, and overall, they're incredibly professional, kind, and easy to work with. Highly recommend!”
Ali Fakhri“By far the best processing company I have dealt with.”
“In my 30+ years of business by far the best processing company I have dealt with. Very professional and everyone is extremely friendly and knowledgeable.”
Darrel Hundley“A great help to our canna business.”
“We have been using Bankcard PIN Debit system for 1 year now and it has been a great help to our canna business. Not only by significantly reducing the amount of cash handling but also by boosting our ADS, and on top of this they have a fast responding help team. Thanks Shane and team.”
Sparket Crew“Quick response when I had an issue.”
“Decent onboarding, quick response from their IT guy when I had an issue as well!”
Michael David Harrell“They always find ways to make it work.”
“Sometimes there were challenges, the company found ways to always make it work! It is a pleasure to work with them!”
Joseph Hyde“They made a confusing process very easy.”
“They made a confusing process very easy and streamlined!”
Stephen Horton“Highly recommend—professional, kind, easy to work with.”
“I'm very happy and satisfied with the service and platform. I've always had someone I can reach out to directly whenever I have questions, and they're always quick to help and follow up. On top of that, they regularly check in just to see how things are going, which I really appreciate. Their pricing is fair, and overall, they're incredibly professional, kind, and easy to work with. Highly recommend!”
Ali Fakhri“By far the best processing company I have dealt with.”
“In my 30+ years of business by far the best processing company I have dealt with. Very professional and everyone is extremely friendly and knowledgeable.”
Darrel Hundley“A great help to our canna business.”
“We have been using Bankcard PIN Debit system for 1 year now and it has been a great help to our canna business. Not only by significantly reducing the amount of cash handling but also by boosting our ADS, and on top of this they have a fast responding help team. Thanks Shane and team.”
Sparket Crew“Quick response when I had an issue.”
“Decent onboarding, quick response from their IT guy when I had an issue as well!”
Michael David Harrell“They always find ways to make it work.”
“Sometimes there were challenges, the company found ways to always make it work! It is a pleasure to work with them!”
Joseph Hyde“They made a confusing process very easy.”
“They made a confusing process very easy and streamlined!”
Stephen Horton“Highly recommend—professional, kind, easy to work with.”
“I'm very happy and satisfied with the service and platform. I've always had someone I can reach out to directly whenever I have questions, and they're always quick to help and follow up. On top of that, they regularly check in just to see how things are going, which I really appreciate. Their pricing is fair, and overall, they're incredibly professional, kind, and easy to work with. Highly recommend!”
Ali Fakhri“By far the best processing company I have dealt with.”
“In my 30+ years of business by far the best processing company I have dealt with. Very professional and everyone is extremely friendly and knowledgeable.”
Darrel Hundley“A great help to our canna business.”
“We have been using Bankcard PIN Debit system for 1 year now and it has been a great help to our canna business. Not only by significantly reducing the amount of cash handling but also by boosting our ADS, and on top of this they have a fast responding help team. Thanks Shane and team.”
Sparket Crew“Quick response when I had an issue.”
“Decent onboarding, quick response from their IT guy when I had an issue as well!”
Michael David Harrell“They always find ways to make it work.”
“Sometimes there were challenges, the company found ways to always make it work! It is a pleasure to work with them!”
Joseph Hyde“They made a confusing process very easy.”
“They made a confusing process very easy and streamlined!”
Stephen Horton