[1] NMI. National Processing: Best For Clover Processing Hardware. In thisView our rankings of the best high risk merchant account providers for collection agencies. Moonlight Payments Overview. Historically, merchants in high-risk categories have had few options for payments. Online gaming companies must have a high risk gaming merchant account in order to accept card payments but maintaining a merchant account comes with a price. We work with both domestic US and international high-risk processing solutions. February 19, 2023. Bank Account opening services in offshore jurisdictions and Onshore jurisdictions based on clients` requirement for both personal bank account and corporate bank account. Fees also vary by provider and in most cases, pricing is set individually for every merchant. As a high risk merchant account, finding a payment processor who will partner with you is tricky but not impossible. 3%, including interchange fees. High-risk merchant accounts attract more stringent conditionalities than regular merchant accounts and are more expensive to manage. PaymentCloud is a leader in providing high-risk merchant accounts to meet the needs of businesses across various industries. No. Like most high-risk merchant account providers, PaymentCloud does not disclose pricing information online. With a 90%+ approval rate, we strive to approve your high-risk merchant as soon as possible. With over 20 international and. Many processors will not deal with high risk merchant accounts at all, and in fact merchants in high risk businesses may have to work with specialized processors, and they may even have to set up their merchant accounts with over-seas companies. 1. 9% this year. Our selection criteria evaluate cost, transparency, contract requirements, and features. Qualities that Make a Good High-Risk Merchant Account Provider. Our low rates start from 1. They typically offer online and in-person processing services. High -risk traders accounts highriskpay. The 7 Best High-Risk Merchant Account Providers 1. The company specifically markets. Rating: Excellent. Visit Site. Starts at $0/month for unlimited devices and locations. Through new business ventures, you’ll have the opportunity to develop your company and strengthen your brand. At PayFasto, we’re aiming to provide truly global high-risk merchant account services, and we can assist you in obtaining a high-risk merchant accounts across Europe, the UK, North America, South America, and Asia. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. This will enable us to offer even additional specialized services for high risk merchants. WooCommerce offers an online application, which greatly simplifies the process. High-Risk Merchant Accounts Shark Processing is a distinguished leader in the realm of high-risk merchant accounts, serving clients since 2016. No set up fees for most merchants. Currently, consumers’ most preferred payment methods are credit and debit cards. So, don't waste time applying with the wrong provider. These providers. Long on experience: Instabill has been finding high risk merchant account. Net payment gateway integrated with a high-risk merchant account specifically approved and underwritten for a specific product category or marketing method that most merchant account providers generally prohibit. The bank that hosts your merchant account is also known as an acquiring bank or an acquirer. 75%, and you’ll also pay around €950 in annual bank fees, a setup fee of €100, and a monthly fee of €20. com ; Search. Host Merchant Services Top Rated for Kratom Merchant Accounts. Learn more about high risk payments. . If you’ve also faced challenges setting up Nutraceutical -friendly credit card processing for your business, we. If even 1% to 2% of your transactions are chargebacks, your merchant account provider might close your account, forcing you to look into high-risk merchant account solutions. To lower risk, the merchant account provider may seek address verification. 4. Best high risk merchant account service providers for UAE. National Processing: Best for Small Businesses 6. Some exploit the high risk tag and charge higher rates and larger reserves than they need to. , including those in the CBD industry. Best for international merchants. Best Services. Finding the right merchant account provider can be challenging, especially for high-risk merchants. Besides these factors, there are several reasons why a high-risk merchant account provider can benefit Forex merchant payment processing, including:. Our gateway partners will give you access to all information regarding your new. Merchant account service providers determine which businesses fall into this category. 0 bn market size for 2023 and projected growth of 1. 25% to 2. Examples include online gambling businesses, subscription-based businesses and pharmaceutical businesses, among others. High-risk merchant account providers understand the volatile territory certain businesses operate in. 1. Now, over 40 million people in the US alone own one of the latter two devices, and that doesn’t count the people voice searching on their. With several domestic and offshore acquiring banking partners worldwide, our merchant account managers can assess. A rolling reserve that can be held for up to 180 days (or longer in some cases) after account closure. Apply now Merchant Services. As an ISO partnering with top-tier high-risk banks and Payment Service Providers worldwide, we offer unparalleled expertise across various legal verticals in the United States and beyond. Monthly fees. [1] Statista. When you call or email, you’ll always speak with our friendly, in-house client support team. In 2021, consumers paid for 70 percent of their purchases with a credit or debit card. A lot of merchant account providers don't accept high-risk merchants. “7 Chargeback Statistics Merchants Need to Know. The Gun & Ammunition Stores industry is booming, boasting an impressive USD 20. A merchant account is a particular type of bank account that business owners must establish in order to accept payments. com or call (888) 924-2743. 196E Campden Hill Road London, W8 7TH. Determine the payment plan. Get your Retail or Internet Ecommerce Business APPROVED for a merchant account. See more about High Risk Merchant processing With approval turnaround time. g. Though these businesses may be profitable, they can run into problems taking payments due to the non-availability of high-risk merchant accounts. Do you need a high-risk merchant account but can’t seem to get approved? Don’t worry – QuadraPay is here to help. View our rankings of the best high risk merchant account providers for nutraceuticals. Before selecting a high-risk merchant account provider, make sure to perform adequate research about providers who have histories. Major card brands categorize merchants using merchant category codes (MCCs), and payment service providers must ensure that their merchants are accurately coded. If you are applying for a second. Durango: Best for International Businesses. But, they vary from processor to processor and your cash flow is important, so you’ll want to negotiate against the merchant reserve if possible. Contract Many payment processors offer month-to-month contracts with no termination fees. The Problems For High-Risk Merchants. Amex also has other fees such as credit card purchase fee (1%), late transaction processing fees ($35 each), declined authorization service charges ($15 each). Internet Merchant Account. For example, merchant sells nutraceuticals. PayPal: Best for occasional sellers and small merchants selling on marketplaces. With Go High Level you can easily capture new leads, build full-blown websites, and landing pages, drag & drop surveys and forms, plus online appointment setting. Each merchant account provider has its own guidelines to determine whether a business is considered high risk. Join us as we delve deeper into the world of direct marketing merchant accounts. High risk merchant account s allow businesses that are considered high-risk, to process payments online. July 17, 2023. High Risk Pay are specialists in providing payment solutions for credit repair companies. A high-risk merchant account is a label your payment processor has given your business. EMB is voted the #1 high risk payment. At High Risk Holdings, our team can get your merchant account approved today for B2B, eCommerce or Retail at reduced rates and fees. The payment processing experts at High-Risk Merchant Service are available 24/7 to help merchants get a high-risk merchant account quickly. This could either be in the form of transaction volume or add-ons. Our typical turn-around time is 3-5 business days. With Instabill, adult entertainment merchants can find the processing opportunities they need to run their business. Typically, these include industries that are. Usually offers tiered pricing to bad credit merchants. Some businesses may struggle to get approved for a merchant account from mainstream providers because they’re considered “high-risk”. New merchants: Without a solid track record to show that you’re able to sell your. ”Chargeback” refers to situations when credit card companies make a refund back to a customer based on request. High-risk merchant accounts: Some industries have a higher risk of credit card chargebacks. Fraud occurs when someone makes a. , with eMerchant Authority. The merchant account provider will approve your application if you fall into its low-risk category. High-risk payment processors provide merchant accounts and payment processing services to merchants that operate in high-risk industries. com With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly. Press & Events. . Cortana, Alexa, and Google. Payment Depot Merchant Services. Get started today! Give us a call at 1-866-303-2558. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, gift and loyalty. High-risk businesses should anticipate having to pay higher costs for rates and fees associated with payment services. until 6 p. The Problems For High-Risk Merchants. Square: Best overall. Research Providers: The business should research high-risk merchant account providers that meet its needs and are reputable, have clear terms, and offer. Finding reliable high risk merchant account providers in USA, providing online credit card processing services can be challenging for nutraceutical merchants. In essence, this is what is meant by a high risk merchant account - when the payment provider finds your business particularly risky for them. 75% of the total volume. With EMB, you can enjoy top reliability, convenience, and ease of payment processing. Navigating High-Risk Credit Card Companies in 2023. High-risk merchants feel safe, covered, and cared for with a Seamless merchant account. Compile Documents: High-risk merchant account providers require more documentation, so businesses should gather financial statements, licenses, tax returns, and bank statements. 3. Corepay: Best For Mail-Order/Telephone Order-Only Accounts. WE APPROVE ALL HIGH RISK MERCHANTS: 1-800-type chat sites. Particularly, merchant account providers use these codes to determine if a business is too risky for its services. This pricing is very good in the high-risk processing world. Friendly Client Support. Furthermore, if the merchant sells tangible products, the merchant must have a supplier agreement. With the growing rate at which cyber crimes occur, locating a high-risk account provider that processes all transactions safely is vital. Host Merchant Services: Best for Interchange-Plus Pricing. High-Risk Solutions. A merchant account for bad credit can, therefore, be opened for low and. A high risk merchant account is a specialized payment processing account designed for businesses that operate in industries with a higher risk of chargebacks or fraud than traditional businesses. However, the company specializes in serving the high-risk community, accepting a very wide variety of industries that ordinarily struggle to get approved for credit card processing. in-person; 2. A high-risk business is prone to excessive refunds or chargebacks, takes parts in risky business practices, or sells products that are part of a high-risk industry. High-risk merchant accounts may provide access to advanced fraud prevention and risk management tools to help mitigate potential fraudulent activities and reduce chargeback rates. Luckily, Instabill takes on the responsibility. Posted in high risk. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving businesses of nearly any type. These accounts typically come with stricter requirements. EmerchantBroker has been voted the #1 high-risk processor for Forex merchant accounts in the USA and provides merchants with highly secure, convenient Forex accounts. Moonlight Payments Overview. Durango can provide processing for U. Here are just a few excellent high-risk merchant account providers to help you start your search off right: Focusing primarily on high-risk e-commerce businesses, eMerchantBroker claims they approve 99% of all account applications. If your business is classified as high risk, you want to make sure that you have the best high risk merchant account provider to help you run your company. , those with both physical and digital storefronts), Moonlight. No fraud prevention: In our rubric, ChargebackHelp has the third-lowest score for fraud prevention—1 out of 5 (Chargeback Gurus has 0. Contact Us — High Risk Merchant Accounts Available Today. Funding and merchant accounts for adult, telemarketing, multi-level marketing and travel businesses. Instabill. This article explores the ins and outs of high risk merchant accounts in the USA, shedding light on how they function, why they are necessary, and how to choose the right one for your business. If you have no merchant account, there is no way to be paid for your digital transactions. PayOp. 2Subscribe: 4. Looking for a Drop Shipping Payment System? High Risk Merchant Account & Payment Gateway Provider⚡ Instant Approval Contact us ☎ (800) 956-1277. 1. These accounts come with higher fees due to the increased. Although some payment servicers are hesitant to work with adult businesses, several providers specialize in high-risk merchant accounts. The advantages of having a high-risk merchant account in the USA. Your application for a High Risk Merchant Account will be. These businesses often operate in industries associated with high chargeback rates, potential fraud, and legal or regulatory issues. Tags: High Risk Business. Get an instant online quote for high risk merchant services. Let us handle your high risk merchant services today. To get a merchant account, one must submit an application with a merchant account provider. Braintree: Best for online sales across borders. Merchant accounts are used in conjunction with a payment processor, which facilitates the transaction. Call Us Today (818)-825-7938 info@premieronepayments. A high-risk business is a business that has certain unique credit card challenges that are specific to how it processes payments. Hillcrest Drive Suite 209 Thousand Oaks, CA 91362. Best for high-risk retail businesses. The company offers a wide range of payment processing services, including virtual terminals, point-of-sale systems, and mobile payments, and can provide. Edition: United States. Best for online and international sellers: Durango Merchant Services. After approving the merchant account, the processor will monitor all activities for suspicious or risky behavior, and if any, contact the merchant for clarification. Note that high-risk merchant accounts may still require these fees due to the much more extensive underwriting process required to get approved for a high-risk. PaymentCloud. In this article, we will delve into the world of high risk merchan t account providers in the. These tools can include enhanced security measures, real-time transaction monitoring, and fraud detection systems. While interchange fees may vary from company to company, in general, higher risk will incur higher fees. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. Extreme Peptides, 3. Historically, merchants in high-risk categories have had few options for payments. We have a new relationship with one of the leading high risk payment gateways, PaymentSphere. High-risk businesses are typically those that are new, have a history of credit problems, or operate in an industry that is considered controversial or. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high-risk business types. Average Approval Time: 3 days. For more information about our merchant accounts, call us toll-free at 1-800-318-2713. Toggle navigation +1 (855) 403-3855 [email protected]. Merchant account providers are companies that offer a variety of solutions to help businesses by facilitating payments. Payline Data: Best for subscription-based businesses. Assuming the authorization is passed,. Top 6 High-Risk Merchant Account USA Industries Who are High-Risk Merchants? High-Risk Account USA vs Regular Merchant Accounts What Makes a. Fast approval in 24-48 hours. For instance, if you had stated in your application that your average transaction amount would be $100 and then your average spikes to $500, your processor will be concerned. View our rankings of the best high risk merchant account providers for bad credit. Then, EMB provides merchant account services tailored to these specific business needs. A high-risk merchant account provider is a company that specializes in providing merchant accounts to businesses with higher risk profiles. If your company doesn’t have a positive transaction history or it is too new to have developed one, you will encounter high charges from payment processing providers at best, but more. Not sure if you’re a high risk merchant? Unsure where to begin? Please contact a merchant consultant at 1-800-930-4476 for more information or to apply for a merchant. Fiserv – Best merchant services for retailers. We’re here to help with that, credit and risk notwithstanding. PaymentCloud: Best For Free Credit Card Terminal. Recent studies show that more than 65 payment providers offer CBD merchant accounts in the US. in-person; 2. High-risk merchant account fees are the fees charged by the provider in order to offer you the merchant account service. Contract Many payment processors offer month-to-month contracts with no termination fees. PaymentCloud: Best For High-Risk Healthcare Providers. It acts as legal permission to accept credit card payments online. For more information, visit the National Processing website or call (385) 777-1235. For example, a provider may have no problem with Adult, but not accept any other high risk. Durango Merchant Services: Best for eCommerce merchants. A lot of merchant account providers won’t do business with heavily regulated industries, like tobacco, because they’re considered “high risk. Such as the high volume of money involved, international payment, working in a high-risk industry, or having a low credit. With an emphasis on personal attention and customized solutions for “bricks-and-clicks” companies (i. High Risk Payment Gateway. There have been various types of advantages that companies render once they are termed as high-risk businesses. Unlike banks and other merchant service providers, we cater specifically to high-risk businesses to deliver incredible service for an unbeatable price. ” Shopify Holds Funds: Merchants frequently complain about their funds being withheld in reserve, but this is standard practice if an account has an elevated. , payment gateways specifically for gambling), or indirect providers, publishers or marketplaces that require. Interchange + 0. They occur because a company is at a higher risk for either fraud or chargebacks. Host Merchant Services Top Pick for High Volume Credit Card Processing. Best one-stop shop: First Card Payments. ACH Payment Processing; Merchant services first data;Our picks for the best free merchant accounts include Square, Chase, Stripe, PayPal, and more. 2) US Corporation. If your business operates in a high-risk industry such as gambling, travel, or pharmaceuticals, high-risk merchant account providers like Instabill and ccNetPay may be suitable. There are several criteria that the banks look at to assess risk. These companies typically offer lower processing fees and a greater level of customer support than traditional merchant account providers. ). Merchant account providers can add their own characteristics to the list, but here are a few that will characterize your business as high-risk: $20,000 or more in monthly sales Credit card. BankCard USA specializes in game-changing credit card processing solutions for merchants considered high risk. Corepay is a newly established merchant account provider that accepts both low-risk and high-risk merchants. High risk merchant accounts are designed to accommodate businesses that are financially unpredictable, prone to chargebacks or pose a certain degree of potential loss to merchant service providers and banks. Find out more about our gift card solution today at 1-800-530-2444. Antiques. Businesses with one or more of the following features make them a high risk merchant business: The business has been black listed by credit card. Adult payment processing is high-risk credit card processing so it comes with different fees and fee requirements which vary by service. There are some risk factors that providers use to determine whether you fall into the high risk. High-risk merchant category refers to the industries or types of businesses considered to have a higher level of risk by financial institutions, payment processors, and acquiring banks. High-Risk Merchant Types. GSPAY is a little-known high-risk merchant account provider that offers a variety of fixed rates for different types of businesses. Host Merchant Services may help your business grow as a merchant account provider. Square: Best for point of sale (POS) Payment Depot: Best for flat-rate pricing. With a solid reputation and years of experience, they offer tailored solutions for businesses in various high-risk industries. One essential service that top merchant services offer is credit card processing. Dharma’s monthly fee is $20 per month. PayPal: Best for occasional sellers. If you’re looking for a merchant account and have had trouble getting approved because you’re in the high-risk category, it’s a solid choice. United States-based customers get a free Pax S300 payment terminal;. While high-risk payment processors are generally offering the same types of services as regular processors, they often also include: Higher processing rates. A merchant account is a type of business bank account that allows businesses to process electronic payments such as debit and credit cards. PayCly is a pioneer in online high-risk merchant account services in Singapore. PaymentCloud: Best for free credit card terminal. Our hardworking team is ready to help you right now. contacting Shark Processing to explore their offerings and determine the best solution. Call us to know more. Increased Sales: One of the biggest advantages of having an E-commerce merchant account is the ability to accept online payments. When your business has been labeled a high-risk merchant account, you will almost always pay higher. net: Best for B2B transactions. We can set up your merchant account quickly and help you to start taking card payments without any hassle. 35 per transaction. Tier 2: Payment Depot’s most popular account tier, this plan caps at $75,000 in credit card volume per month. After the credit card data is captured, the company’s payment processor pings the customer’s. What this tells us then is that card payments are becoming more and more relevant for most business types. High Risk Merchant Accounts are accounts that are set up by specialist financial institutions to provide credit card processing services to those business types that fall under certain high risk business categories. Replica Merchant Account Options. The Best High-Risk Merchant Accounts of 2023 PaymentCloud: Best overall Host Merchant Services: Best for large high-risk businesses Durango Merchant Services: Best for highest-risk businesses SMB Global: Best for international merchants Soar Payments: Best for United States-based businesses For small-business owners in search of a payment processor that offers high-risk merchant accounts, NerdWallet has compiled a list of the best payment processors for high-risk. Weaknesses. High Risk Pay stands out in the high-volume merchant account and payment processing sector by offering specialized services for businesses requiring high-risk merchant accounts. Chargeback protection. A high-risk industry is defined by its likelihood to introduce more operational, regulatory, and reputational risk exposure. Here is a detailed list of merchant. 2. Leverage Zen Payments’ network of over 15 direct bank and processor relationships to find the best long-term home for your merchant account. They offer flexible payment solutions, including ACH and e-check processing, as well as. Including individual transactions and batch totals with comprehensive reporting tools. It would be best if you didn’t. 0. A merchant account establishes a relationship between a business and a merchant services provider, like a bank. High-risk merchant accounts. But, there’s no stress of account closure. Home;. Best high risk merchant accounts at a glance. Stax is a great option for established small businesses with high annual revenues. Many of its features are identical to a regular merchant account. PaymentCloud. Alipay is a reliable high-risk merchant account provider that offers tailored payment processing solutions for businesses in various high-risk industries. 2Subscribe: 4. eMerchantBroker (EMB): EMB stands out as another leading high-risk and one of the best merchant account services provider in 2023. For example, a provider may have no problem with Adult, but not accept any other high risk. Find the Right High Risk Merchant Account Provider. 09%. The company’s in-depth understanding of how to handle large volumes of transactions makes it a standout choice in the market, and it specifically focuses on ensuring efficient. A high risk merchant account is a payment processing account for high risk categorized businesses by the acquiring banks and the credit card companies. net offers credit card payment services for more than 430,000 merchants, including merchants that could be categorized as high-risk. com. Based on our evaluation, the best high-risk merchant account providers are: Best overall (and most versatile): PaymentCloud. Best for chargeback monitoring: SMB Global. 9% + 30¢ online. After all, our mission at Blue Payment Agency is to make it as easy as possible for high-risk businesses to accept credit and debit card payments online. US HQ. PCI/DSS is a high standard data encryption security that will allow you to transfer your money safely from one financial institution to other financial institution. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. 4) Avoiding Set-Up Hassles. Helcim: Best for interchange-plus pricing. Paycron offers flexible low, medium, and high-risk payment processing solutions with no restrictions. In our evaluation, HMS scored a respectable 3. View our rankings of the best high risk merchant account providers for travel. Always be cautious when dealing with any financial or merchant account service and verify their. The main reason for a rise in people opting to get a high-risk merchant account in the USA is the feature of instant approval merchant accounts in the USA. Today, market pressures and competition from low-cost payment service providers (PSPs) have forced most reputable processors to eliminate these charges altogether. Bank Account opening in 109 countries including, offshore and USA. To help you find the right solution for your needs, we’ve ranked our picks of the best merchant services for small business available today. A merchant account is a type of bank account that allows an individual, business, or organization to accept debit and credit cards as a form of payment. Accessed on February 21, 2023. 2. The Leading High-Risk / eCommerce Payment Provider. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. Many banks consider CBD sellers "high-risk," making merchant services — like simple credit card processing — a struggle. However, choosing a credit card processing provider is a big decision. 15 per transaction. Service providers offering High-Risk Merchant. With a 98% approval rate, we take pride in being able to accept almost every business type, regardless of risk level. Flagship Merchant Services: Best. High Risk Pay. NMI Reports Breakout First Half of 2021, Primed for Continued Success. Merchant Account. View our rankings of the best high risk merchant account providers for cannabis. You will probably pay at least $25/month to maintain your high-risk merchant. Moonlight Payments is a standout choice if you're searching for a merchant account provider that specializes in serving businesses with bad credit. This is where high risk merchant account providers come into play. GoCardless: Best for only ACH payments. High-risk industries fall under a broad scope including. PaymentCloud does offer traditional merchant services in addition to high-risk account services. Instabill is one of the industry’s leading high risk merchant account providers worldwide. It also offers a free payment processing account and a small ticket program for micro-businesses. Some of the documentation you should be expected to submit as part of a WooCommerce application include details about your business’s sales volume and. The company has a positive reputation for transparent customer service and reliable support. However, working with High Risk Pay means finding the options for your business that wouldn’t have been available to you via traditional banking alone. Payment. Payment Depot: Best for High Transaction Volume. Some of the documentation you should be expected to submit as part of a WooCommerce application include details about your business’s sales. PayKings is the preferred adult merchant account provider in the adult industry. Merchant account fees. Their services cater specifically to businesses operating in high-risk industries, providing robust payment processing solutions while keeping fees affordable. US Merchant Accounts. That being said, any business falling under the high-risk category should look for a high-risk merchant account provider right away. For example, if you process $20,000 or more a month, or if you have an average transaction amount of $500 or more, you risk more opportunities for higher chargeback ratios. 60 per transaction. Airlines or airplane charters. Specialized Risk Management Tools. Square Merchant Services: Best for Startups. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. 2Checkout bases its pricing on a pay-as-you-go model — you’ll pay per transaction, but there are no monthly or annual account fees or early termination fees for closing your account. These fees are quite high compared to some other providers, but you can be approved for your merchant account in around 48 hours. We have high risk accounts for businesses that have a high-risk processing volume of $20,000 – $100,000, 000 plus per month. A high-risk merchant account is a type of business bank account set up by a payment processor that allows merchants to accept credit and debit cards for their business, even though they have been labeled as a high-risk business by a previous processor or payment service provider. Integration with popular e-commerce platforms and shopping carts. CCnetPay United States Division Write A Review Benjamin Velner 44 20 7566 3935 Visit Website 2007 $4 Million 21 54 87 LDurango Merchant Services is a high risk merchant account provider that specializes in businesses such as CBD, nutraceuticals, and e-commerce. The provider needs to be sure that products or services are delivered by the merchant to all clients in a timely manner so that all parties are satisfied. Meaghan Brophy. Offers Paysley QR-code payment service. Tiered pricing usually offered to bad credit merchants. The industries that possess this account are Adult Industry, Travel, Forex trading business, Multilevel Marketing business. High-risk business or industry: Businesses and industries that MSPs view as having a higher chance of failing financially. Merchant reserves are meant to protect high risk merchant account providers from footing any surprise bills that the company incurs. The Best Merchant Account Services. MallFine Merchant account providers consider some sectors to be high risk merchant categories, leading to most mainstream services, such as those offered by banks, refusing to deal with businesses within them as a matter of reputations and their luck of ecommerce management. com can help you get your business the proper credit card processing account. A high-risk merchant account is a business account that is mainly designed for businesses that have an excessive risk of chargebacks, fraud, or legal compliance. PaymentCloud – Best for high-risk merchants. Determining the risk level of your International merchant account involves evaluating various factors, including your industry, payment processing needs, and the nature of your business.