The #1 High Risk Payment Processor
As the #1 high-risk payment processor, we specialize in serving industries others won’t touch. With unmatched expertise, advanced fraud protection, and tailored solutions, we help businesses thrive in even the most challenging markets. Trust us to deliver secure, reliable, and efficient payment processing every step of the way.
High-Risk Merchant Services: Tailored Solutions for Your Business
What Is a High-Risk Merchant?
High Chargeback Ratios
If your business experiences a higher-than-average chargeback rate (above 1%), it can be deemed high-risk.
Industry Type
Some industries are inherently viewed as high-risk, such as CBD, gaming, travel, and subscription services.
Large Transaction Volumes
Businesses dealing with high-value transactions or inconsistent revenue streams may also fall under this category.
Regulated Markets
Operating in industries with stringent regulatory oversight (like adult content or nutraceuticals) adds to the risk for payment processors.
Why High Risk Merchant Account?
Industry Expertise
We have deep experience across high-risk sectors, helping businesses navigate the complexities of payment processing with tailored solutions.
High Approval Rates
Thanks to our extensive network of banking partners, we have a high approval rate for high-risk businesses.
Chargeback Management
Our advanced fraud detection and chargeback management tools help reduce disputes and maintain your merchant account in good standing.
Flexible Terms
We offer competitive pricing, flexible contracts, and a customized approach to meet your specific needs.
How We Serve High-Risk Businesses
Consultation & Risk Assessment
We begin by understanding your business’s unique needs and evaluating its risk level. This allows us to recommend the best payment processing options.
Application & Approval
High-risk businesses often struggle with lengthy approval processes, but our extensive network of acquiring banks speeds up approvals, even for startups.
Account Setup
Once approved, we quickly set up your merchant account, integrating payment gateways and offering multi-currency processing if needed.
Ongoing Support
Our team is available 24/7 to assist with any challenges, ensuring that your payment processing runs smoothly.
Key Benefits of Our High-Risk Merchant Accounts
Increased Payment Options
Our services allow you to accept a wide range of payment methods, including credit/debit cards, ACH transfers, eChecks, and more. This helps you cater to customers globally, ensuring you don’t miss out on any sales.
Fraud Prevention Tools
High-risk industries often experience higher rates of fraud. We implement cutting-edge encryption and fraud detection systems that protect your business and your customers’ sensitive data.
Chargeback Protection
With a higher potential for disputes, managing chargebacks is crucial for high-risk merchants. Our chargeback management tools help you resolve disputes efficiently and reduce the chances of having your merchant account terminated.
Scalable Solutions
As your business grows, your payment processing needs will evolve. We offer scalable solutions that allow you to adjust your processing limits and add additional payment gateways as required.
Multi-Currency Processing
Do you operate globally? We provide multi-currency processing to ensure your international customers can transact seamlessly, helping your business expand its reach across borders.
High-Risk Industries We Serve
Travel & Hospitality
High ticket values and cancellation rates make these businesses high-risk. We ensure smooth payment processing regardless.
CBD & Supplements
Regulatory hurdles in these industries can make it difficult to find a processor, but we have solutions specifically tailored for them.
Adult Entertainment
Whether online or brick-and-mortar, we provide discreet, secure merchant services for this regulated industry.
Gambling & Gaming
We offer tailored solutions for online gambling, gaming platforms, and other high-risk entertainment sectors.
Subscription Services
These businesses often face elevated chargeback risks, but our merchant services help maintain sustainable payment flows.
Why Do Banks Label Certain Businesses as High-Risk?
Chargebacks
Frequent disputes and chargebacks raise red flags for banks, making them hesitant to provide merchant accounts.
Regulatory Concerns
Businesses in heavily regulated industries, such as CBD or online gaming, are subject to additional scrutiny, leading banks to view them as risky investments.
Payment Methods
Businesses relying on card-not-present (CNP) transactions, such as online sales or phone orders, are seen as higher risk due to the increased potential for fraud.
What makes us a better choice for your Business?
While other payment processors provide high-risk merchant services, we differentiate ourselves with transparency, high approval rates, and tailored solutions designed for your business. Our approach includes competitive pricing, personalized account management, and robust security features.
Other providers may offer strong chargeback protection or fraud prevention, but we go further by offering multi-currency support, fast approvals, and a dedicated 24/7 support team that ensures you’re never left without help. We aim to exceed expectations with flexible, customer-centered service.
Shake hands with High Risk Merchant Account
Don’t let payment processing limitations hold back your high-risk business. We make it simple to get approved for a merchant account that suits your business’s specific needs. We offer competitive rates, tailored services, and robust fraud protection to keep your operations running smoothly.
Ready to elevate your payment processing? Contact us today and find out how we can help your high-risk business thrive.
FAQ
Our Services Tailored for High-Risk Industries
Yes! While many high-risk businesses often choose to keep their existing point-of-sale systems, we make it easy to transition to our secure credit card processing platform—at no extra cost. If your business needs new equipment, we also offer free credit card terminals or mobile swiping devices for qualified high-risk merchants. Our goal is to help you start processing payments quickly and securely, with minimal upfront investment.
A high-risk merchant operates in industries that face increased chargebacks, higher fraud potential, or regulatory scrutiny such as CBD, cannabis, adult entertainment, online gaming, travel services, and subscription-based businesses. Low-risk merchants, on the other hand, usually work in more stable industries with fewer chargebacks and less regulatory concern (such as retail or professional services). Payment processors view high-risk merchants as requiring more oversight and specialized solutions to manage risks effectively.
While processing rates for high-risk merchants are typically higher due to increased risk, we strive to offer the most competitive pricing in the industry. Our strong relationships with banks and processors allow us to secure better rates than many generic providers. We also provide tailored solutions to help minimize fees and improve profitability for high-risk businesses.
If your business operates in industries like CBD, cannabis, adult content, online gaming, nutraceuticals, or travel services, you are typically classified as high-risk. Industries such as subscription services, ticket sales, or online marketplaces may fall into mid-risk. Traditional retail or professional services are often low-risk. If you’re unsure where your business fits, our experts can quickly assess your industry and provide guidance on the right high-risk merchant account solution for you.
Client Testimonials
