A high risk merchant account is a payment processing account for business founders who are classified as a high-risk service or product category by acquiring banks and credit card brands.

High-Risk Holdings team can get you approved today from low to high-risk merchant accounts for B2B, eCommerce or Retail company at reduced rates and fees.

  1. Categorized as a High-Risk Merchant

If it comes to payment processing, business owners might face difficulty getting approved for a merchant account since they run in a high-risk industry or fall under one of any number of explanations why a merchant account company would classify your company as high-risk, such as fraud, bad credit or background of credit card chargebacks.

The following are a few examples of the many industries and businesses that have higher chances of chargebacks and that many merchant providers would deem as needing a high-risk merchant account.

  • Automotive Brokers
  • Airlines
  • Lending Collection
  • Sports Sites
  • International Import/Export
  • Gambling
  • Adult websites
  • Modeling
  • Real Estate
  • Traveling Agencies

In other words, if your specific business model is considered a high risk ach merchant account, finding a financial institution that is willing to deal with you is gritty. Therefore, you will need a reliable and experienced high-risk ach merchant account provider that specifically deals in merchant account services and who can set you up for success.

  1. Excessive Chargebacks

There are several advantages to signing up with a high-risk merchant service provider, and the largest one includes monitoring chargebacks.

Most of the time, a retail business owner is charged a fee for every chargeback, which covers the service administrative costs. However, a high-risk merchant account processor is going to have considerably greater fees for every individual instance.

With that said, a high-risk merchant account services are very rarely terminated because of excessive chargebacks. Although the business might pay higher charges, the longevity and competitiveness of the actual company itself are set up for success.

high-risk payment gateway

  1. You Need to Become Secure

The definition of ‘insecure’ companies means that they must be careful with their online payment processing. Visa High risk merchant registration program will regularly employ reliable detection methods during the trade process to learn whether the card, along with the trade-in general, is valid. These secure techniques help protect the organization, the merchant account provider and the card’s original owner from fraudulent activities or theft.

  1. You Want to Earn More

With a high-risk payment gateway backing your credit card payment processing, you may potentially uncover a sustainable source of long-term growth to your company.

Some merchants may regularly rely on normal payments or lump-sum transactions to provide a steady stream of earnings that propels their company or organization forward. Having a high-risk merchant account provider in the USA means you can continue to run your current business model without much difficulty.

  1. You’re Looking to Expand

You can take advantage of high-risk payment processing gateways if you’re looking to expand, as normal low-risk processors impose limitations on card transactions that can impede growth.

The earning potential of more sales in the business or enterprise alone can make insecure merchant accounts seem attractive; add in the prospects of selling to more places, and in multiple currencies, and suddenly your earnings opportunities become infinite.

Ensure you ask the right questions when shopping for a high-risk merchant account provider to ensure you’re partnering with the ideal provider for your specific business niche.

As a high risk payment gateway provider, our team at High-Risk Holdings offers secure credit card processing for online businesses and offshore merchants worldwide. If you’re running what banks consider a risky business, then turn to our reputable processors for quick and safe online transactions.


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