High Risk Merchant Processor

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High Risk Merchant Processing

We specialize in High Risk Merchant Processing and merchant services for High Risk Merchant Processing Product businesses. We approve practically every business type, even if you have been turned down for credit card processing. With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you  Apply Today

Having an efficient payment processing system that allows you to process customer payments is crucial to the function of any business, regardless of its type or size. With a range of payment processing options available today, business owners must now understand the unique services each high risk merchant processor offer’s.

What is High Risk Merchant Processing:

High risk merchant processing is an integrated system primarily responsible for ensuring high risk merchants can accept payments via a secure channel. Payments covered by merchant processing including credit and debit cards, E-checks, and ACH transactions.

Though high risk merchant processing services are crucial to the survival of any business today, it is even more important that business owners choose a trustworthy service. As one who is interested in the sustainability and growth of your business, you should choose a high risk merchant processor that offers a range of products that suit your business needs.

Underwriting Concerns for Getting Merchant Processing Approvals

The idea of getting a merchant account approved for your business feels really pleasing until it gets to the underwriting process. Despite the worldwide acceptance of electronic payment methods, new business owners are usually hesitant when it comes to opening a merchant account due to the lengthy underwriting process that banks and merchant processors subject businesses to. This process is, therefore, a concern for new business owners.

Here are a few underwriting concerns and tips that can help you scale through this process:

• Risk Potential

To the underwriter, some businesses are easier to work with than others. Businesses that fall in the high risk category like pharmaceuticals will face an uphill struggle during this process. The merchant processing service will also consider factors such as your credit history and the number of years you’ve been in business. These factors will help the account provider determine the legitimacy of your business and potential for success.

• Processing Volume

Has your business been deemed high risk? Your merchant account application can still be approved if you have high sales volume, as your business will bring sustained processing revenue to the provider. This is why new enterprises have lower chances of getting an approval than already established business.

• Billing Policy

Do you bill your clients in advance or at the end of the trade? Your underwriter will need to know because businesses that accept payments before rendering their services have an increased risk of chargebacks since customers have time to change their mind. For instance, if you run a travel agency that accepts advance bookings, you will need to refund clients who change their plans before the planned date.

Industries Requiring High Risk Merchant Processing

Some industries in the high risk category are pretty obvious, while others may surprise you. Industries that require high risk merchant processing include:

• Nutraceutical Industry

The American market is obsessed with nutraceuticals for health and fitness. The millennials have taken this market to the next level, with everything from weight loss products to body building enhancers. Most banks consider the industry risky with free trial offers and banned substances. These products will require a nutra merchant account for merchant processing.

• Travel Industry

The hospitality industry is also deemed high risk as it continues to struggle with chargebacks initiated by unsatisfied customers. A travel high risk merchant account is usually necessary for the travel industry.

• Network Marketing

Multi-level marketing services and pyramid marketing schemes are flagged as high risk because a client needs a credit card on-file to become a ‘preferred customer’. Unfortunately, customers could dispute charges if they ‘forget’ to cancel their premium status with the service. This will result in a chargeback.Typically a mlm merchant account is required for consideration in this industry.

• Firearms Industry

While this industry continues to struggle with legal and fraud related matters, association with those in the industry is also risky. America was built on the right to defend yourself with arms. However, there is still a stigma placed on firearm ownership. Therefore, financial institutions often face criticism for doing business with merchants in the industry. Certain high risk merchant processors will take firearms merchant accounts, if the business is a licensed firearms dealer.

• International Business

A business headquartered outside the shores of the country will be considered high risk as there is a high potential of fraud.

Finding a High Risk Merchant Processor

While there is a good number of high risk merchant processors in the market today, finding the best one may be challenging to the high risk business owner. Here are a few factors that can guide you in your quest to get the best processor for your business:

• Type of Services Rendered

Finding a good high risk merchant account processor is one thing, it is an entirely different thing to locate one that offers the kind of products and services that your business needs. Remember, the high risk merchant processing service is not only responsible for processing your payments but would offer certain benefits that will ensure your transactions are safer and more secure.

• Reputation

It is important that you choose a high risk processing service with adequate market experience as they will also serve as your payment gateway. Conduct market-oriented research or ask experienced friends to recommend one with years of experience in the industry.

• Rates

The best high risk processing service should be one that offers the kind of services you need at affordable rates. It is ideal that you focus on services that offer affordable rates for your business as you may not easily get a great deal. Also remember that the fees incurred by high risk businesses depend on the type of business, registration process among other factors.

• Communication

The best merchant processing service should have friendly and professional customer support agents in their employ. You should be able to access these agents easily, and across all platforms (email, phone, and social media).

High risk merchant processing can be tricky, but it is by no means a death sentence for your business. While it would be a great idea if merchant processing services treated all businesses equally, it is just impossible. Therefore, it is important that you carefully choose a high risk merchant account service – one that prioritizes the health and growth of your business.

Our Benefits:

  • Fast Secure Online Application, provides secure online submission.
  • Multiple Platforms, including CRM & Ecommerce Solutions.
  • Dedicated account managers with decades of experience to share.
  • Diverse Acquirer’s with risk appetite & tolerance for the auto warranty industry.
  • Fast decision turn-arounds on application packages.

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios & exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses.

We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of yourcredit card processingneeds.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. 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. Call us immediately to get on the fast track for High Risk Merchant Processing approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!      Apply Online Today