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High Risk Merchant Account & Payment Processing Solutions

For high-risk companies, the application process for a high-risk merchant account can be difficult and frustrating. From our broad network of banking relationships, we are able to help you get established for ongoing growth on your terms.

Types of Businesses Considered High-Risk

It can be difficult for business owners to be told that their business is risky. Many merchants sell goods and services that are legal, effective, and fruitful, yet credit card companies and banks tell these sellers that they need a high-risk merchant solution.
Some of the factors that are labeled a business as risky and we help with:

  • IPTV
  • Streaming
  • E-book
  • Web Development
  • Designing Services
  • SMM Panel
  • Subscription Type Service
  • SEO

Unique Solution for Your High-Risk Business

Don’t wait. Our expert consulants are here for you!

Reasons a Merchant May Be Considered High-Risk

High transaction volume

Merchants, who have high transaction rates, may be considered high-risk. If a merchant processes over $20,000 in payments per month, or has an average transaction of $500 or more, it may be categorized as high-risk.

Accepting international payments

If a merchant sells to consumers in countries with a high level of risk, they may qualify as high risk. (any country except the United States, Canada, Japan, Australia, and the countries in Europe).

New merchant

If the merchant is new or has so little previous record, they may be considered high risk simply because they have no relevant record. On the other hand, If the merchant carries low credit, it may be considered high-risk.

High-risk industry

While a merchant may have a flawless record, they may be labeled high-risk due to the industry they are considered to be less trustworthy than other industries.

High-Risk Merchant Account vs. Low-Risk Merchant Account

A few general traits emerge that make merchants low-risk to payment processors. Low-risk merchants typically exhibit these traits:

  • Low transaction volume
  • Average transactions under $500
  • Business in one country that is labeled low risk
  • One currency
  • Very low or zero chargebacks and a low percentage of returns
  • Industries labeled low-risk

You Can Trust Us as your High-Risk Partner


Our simple application process will help you to drive a cost-effective plan for your business with our high-risk expert. It's going to save your time and frustration.


Credit card processing is complex. But Our experienced and relevant payment processing knowledge is put to use on your behalf to get your high risk business solution right away.


We are prepared to deal with the tricky highly risky world in a way that gives you peace of mind. We are going to explore your options and make sure that you will get the best possible solutions.

500+ companies have trusted us for High-Risk Merchant account services!

We're glad to be a part of so many success stories by providing our High-Risk Merchant account service for non-residents!

Frequently Asked Question

Directly providing high-risk merchant accounts would put banks at financial and reputational risk, which Tier 1 banks would avoid. Consequently, banks can only provide high-risk merchant accounts. That’s why most traditional banks avoid providing high-risk merchant accounts because of the increased risk of chargebacks and fraud.
To obtain a high-risk merchant account, you must consider alternative options such as payment service providers or ISOs with partnerships with Tier 1 or Tier 2 banks. Several specialized payment processors and merchant account providers cater specifically to high-risk businesses. Here are some examples of banks and financial institutions that provide high-risk merchant accounts:
  • Square
  • Durango Merchant Services
  • Payline Data
  • PaymentCloud
  • eMerchantBroker

High-risk payment processing refers to the payment processing of businesses or industries with a high risk associated with their transactions. These businesses typically fall into industries with a higher likelihood of fraud, chargebacks, or legal issues.

To obtain a high-risk merchant account, you must have the following:

  • Must be a US resident
  • Owning a company
  • And some other vital requirements

Merchants who handle a large number of transactions or have a high average transaction value may be classified as high-risk. If a merchant processes payments exceeding $20,000 per month or has an average transaction value of $500 or more, they may be considered high-risk, including those who accept international payments.

Payment gateways that accept high-risk businesses are typically called high-risk payment gateways. Several payment gateways specialize in high-risk businesses and are willing to accept them. Some of them are given below:
  • NMI
  • BlueSnap
  • PayPal
  • Square
  • etc.

High-risk businesses are more prone to fraudulent activities, chargebacks, and legal or regulatory issues. The following are counted as high-risk businesses:
  • Gaming
  • Gambling
  • Software
  • Financial services
  • Travel and hospitality
  • SMM or Social Media Management
  • Tech support
  • etc.