High Risk Merchant HighRiskPay.com - 99% Approval Rate

High Risk Pay offers several services to help business owners accept credit cards and other payment methods, such as virtual terminals, POS terminals, ACH processing, and more. They also offer various fees.

High-Risk Pay is a payment processor offering credit card processing services to companies considered high-risk, such as MLM companies, offshore merchants, and those with bad credit. Their rates are competitive while customer service excellence remains outstanding.

Since 1997, High Risk Pay has been an ISO that provides credit and debit card processing to merchants with high risk. They claim to offer services across many different industries such as travel, e-cigarettes, CBD, high-volume sales, poor credit, and international merchants. All major credit/debit cards are accepted and their customer support team offers assistance if any questions or problems arise.

If your industry is considered high-risk, obtaining a merchant account may prove more challenging. Additional documentation or financial statements may be required from you to be granted access.

Application procedures for high-risk merchant accounts may depend on your industry and other considerations, making the research of payment processors essential. It's also wise to be familiar with their standards.

Select a provider with flexible contract terms. It is also essential to determine whether they have anti-fraud tools and customer support available.

One effective strategy for selecting a trustworthy credit card processor is by researching their business history. In addition, check with watchdog groups such as Better Business Bureau to ensure it has earned its accreditation; this will help protect you from scammers while finding one with proven customer service standards.

High Risk Pay Merchant Account

If your business falls into the high-risk category, getting a merchant account may prove more challenging than usual. Many payment processors may turn down your application; however, certain companies specialize in serving high-risk merchants with more tolerance for risk and can provide accounts more quickly than their peers - although these providers typically charge additional charges and have stricter contract conditions than conventional payment processing companies.

High Risk Pay is one such company. They boast an outstanding track record for customer service and offer payment processing solutions tailored to high risk businesses. Their website features an easy signup process with step-by-step guides; after providing your information you should receive a quote within 48 hours and they boast a competitive approval rate.

Searching for a merchant account should not be undertaken lightly as this will save money in the long run. A provider with a low approval rate likely is not suitable for your business needs - High Risk Pay is Level 1 PCI compliant and boasts an A rating with Better Business Bureau as an indicator of its reliability.

The company provides an assortment of payment gateways that connect merchant accounts to card networks, making accepting recurring payments more straightforward, especially useful when providing subscription services. Furthermore, these payment gateways can assist in international payment processing as well.

High-risk merchant accounts are bank accounts designed for businesses considered at high risk of fraud or chargebacks, such as e-commerce merchants dealing with travel, adult entertainment, or gambling industries. When trying to acquire regular merchant accounts they typically encounter difficulty as banks and credit card companies often consider these businesses high risk due to fraudulent activity, they could potentially engage in.

Even with its inherent risks, high-risk merchant accounts remain worthwhile for most businesses. Approvals can often be granted even without a prior credit history, using offshore banking solutions to bypass local regulations. 

High Risk Pay is a high-risk credit card processing company offering customized payment solutions for high-risk businesses. They boast a 24-hour application processing time, 100% approval rate, and concierge white glove service to all their customers - with clients from various industries such as adult entertainment, travel agencies, e-cigarette providers, CBD merchants, and international merchants among their clientele.

High Risk Pay is different than other high-risk merchant providers in that it doesn't require contracts or cancellation fees to represent its clients; rather, it fights tirelessly until clients receive an equitable verdict - an invaluable service given that high-risk merchants often face unfair disadvantages due to high loss rates. 

Furthermore, this company can even assist lost recurring orders by notifying merchants of the reasons behind the decline and helping recover future payments through notifying of reasons behind the decline and notifying merchants as to why orders declined in future orders.


An essential quality for high-risk merchants when selecting their payment processors is excellent customer service. Any provider without a dedicated customer support team could leave you stranded if any problems arise; look for customer service representatives available via phone and/or email who can address all your inquiries and concerns; look for those that go the extra mile to ensure customer satisfaction without hindering your business operations.

High-risk merchant accounts provide businesses that operate in industries with complex regulations or legal issues greater exposure to fraud with an alternative payment processing solution, making traditional merchant accounts hard for them to secure from banks or credit card processors. They may also face higher risks in dealing with more sensitive data.

An array of factors determines whether or not a merchant is a high risk, such as their industry, financial history, and location. Merchants with poor financial histories tend to pose more of a threat than those with stronger finances. Other determinants could include what types of products or services they provide on an ongoing basis as well as any security measures put into place to combat fraud.

High-risk merchant payment processing companies that specialize in high-risk merchant accounts provide you with a range of payment processing methods, including ACH (Automated Clearing House), which enables you to accept electronic checks and e-transfers for increased customer base expansion. In addition, these transactions are processed faster than credit cards with only a 60-day dispute period per ACH transaction versus 180 for credit cards transactions.

High-risk merchant payment processing companies that understand that each business is unique will provide services tailored to meet its requirements, with flexible pricing and no hidden fees or contracts to bind merchants indefinitely - something long-term contracts with processors may prove costly in the end.

ACH Processing

Automated Clearing House (ACH) processing allows businesses to accept direct deposits from customers instead of paper checks for online sales transactions, saving time and money by eliminating administrative costs while decreasing returns or rejection rates compared to paper checks. Accepting ACH transactions will increase customer satisfaction while simultaneously driving up sales figures for your business.

High Risk Pay is a payment processing provider designed specifically to serve high-risk merchants, offering services like virtual terminal, payment gateway, mobile solutions, fast approval times, POS terminals/swiper payments and swipers as well as chargeback protection, fraud protection and data reporting and analytics for online stores with high volumes or international merchants. Furthermore, this company also offers continuity subscriptions. Industries served include MLM/adult merchants; high-volume retailers as well as international merchants.

If your business falls under the high-risk category, finding a merchant account might seem challenging. Don't panic: many reputable merchant services providers offer high-risk merchant accounts at competitive rates and with excellent industry reputations.

When applying for a merchant account, you must submit documents related to business and tax matters. Your merchant service provider will then assess these documents to decide if you qualify as a low-risk or high-risk merchant and will tailor their approach accordingly. Typically, high-risk merchants pay higher fees and may also have stricter contract conditions than their low-risk counterparts.

One of the primary factors contributing to high-risk companies is their credit score. A low credit score can reduce your chances of securing a merchant account and it is vital to improve it before trying again. A strong credit score will improve both chances for approval as well as the bottom line success of any business.

Another factor influencing merchant account approval is your type of business. Some industries are considered high-risk and more likely to incur higher processing fees when processing payments - this may include financial, gaming, and online gambling services. It's important to be aware of any associated risks when operating any type of business and take steps to mitigate any possible threats that arise from operating there.

Payment Gateways

High-risk payment gateways enable customers to easily make payments both online and at physical retail locations, offering an easy user interface and secure transaction processing - ideal for any business. Some high-risk payment gateways also include fraud prevention tools and chargeback management features - when selecting your provider be sure to compare fees and features to get the best value deal for your needs.

High-risk merchant services providers specialize in offering credit card processing to businesses that have been denied traditional merchant accounts, enabling them to get the funds needed for expansion and growth. Their providers also help businesses navigate through the approval process and can even offer virtual terminal and payment gateway features - some even offer flexible terms and rates, or waive setup or application fees entirely!

When searching for a high-risk merchant account, it is essential to assess both its reputation and customer support. A good company will be transparent about charges without hidden costs or long-term contracts; furthermore, they must be able to provide the documentation needed during application processes.

An effective high-risk merchant service should provide prompt application approvals and financial statements and reports, helping you understand how much money your business is earning each month and the projected payment back to banks over time.

Some high-risk merchants must make payments toward a rolling reserve or percentage of sales due to the higher risk of chargebacks they are exposed to. You can reduce the chances of your account becoming frozen by being open and honest about your business with High Risk Pay from day one.

If you are a high-risk merchant, make sure that the credit card processing provider offers dedicated merchant accounts for your business. This will allow for optimal rates while protecting payments securely; furthermore, taking advantage of recurring billing and multi-currency options is another bonus.

Fraud Prevention

Many businesses fall under a high-risk category due to their industry, sales volume, or transaction rates, such as adult entertainment venues, travel agencies, multi-level marketing firms, or firearm dealers. Major credit card processors consider such merchants high risk due to fraud or chargeback risks and will typically reject them due to this higher risk. 

Merchants in this situation must find another payment processing provider to accept non-cash payments from customers - there are various solutions available such as credit card processors, ACH providers, or merchant account aggregators which can continue accepting non-cash payments from customers despite major credit card processors turning away due to fraud risk.

When choosing a merchant services provider, look for one who offers fraud prevention and various solutions. These may include setting up call centers, training employees to spot suspicious behaviors, using payment algorithms to prevent transactions from being fraudulent, and creating rules to block such activity from happening again. Taking these measures will reduce the risks of chargebacks while decreasing fees at credit card processing companies.

Additionally, look for a provider that offers fraud protection for ACH and E-Check transactions. This type of protection is especially essential as disputing an ACH transaction requires more steps and may lead to additional fees being incurred by both merchants and banks alike.

Consideration should also be given to how quickly they respond when selecting a merchant services provider, to be able to continue your application expediently. This is particularly relevant if applying for a high-risk merchant account which may take more time for approval than traditional accounts.

Also, consider the contract terms and customer support provided by your selected provider when making your selection. A top provider should offer multiple contact methods and have a high customer service rating; additionally, they should be able to meet your business needs specifically. Your choice will ultimately impact both reputation and security - make your selection wisely!


Credit card payments are an integral component of most e-commerce businesses, offering convenience for customers while simultaneously offering secure payment systems. High-risk merchants can utilize this method of payment to attract more consumers and increase sales; however, they must locate a reputable processor with rates tailored specifically for their business type if possible; otherwise, they risk higher chargeback fees, fraud, and account termination due to unsuitable processor rates.

Providers offering services for high-risk merchants offer various rates and features, such as recurring billing or continuity subscription, free trial periods, or more complex sign-up processes requiring documentation or security measures. It is wise to compare rates between various processors before selecting one and check customer reviews to ensure legitimacy.

High-risk merchant accounts are needed by companies considered at high risk of chargebacks and fraud, such as e-commerce businesses, high-risk industries, or offshore merchants with poor credit. These types of businesses tend to experience more returns, complaints, and chargebacks than traditional merchant accounts.

High-risk merchants must pay higher processing fees than low-risk merchants and may be subject to longer contracts and early termination fees. Some may even need to put aside an income reserve until payment processors can verify that transactions are genuine.

Rates for high-risk merchant accounts depend on both industry and size of the transaction, with some more costly than others such as CBD accounts which may reach 2.85%. Some payment processing companies offer flat rates for all high-risk merchants while others may provide specific rates per industry category (for instance Square has a special program designed specifically to process CBD merchants at lower fees than their standard business processing rates).


Your industry and payment processor could define your business as high-risk. This label typically applies to industries with frequent returns, chargebacks, or fraudulent credit card payments such as adult services, pharmaceutical firms, or online retailers - such as adult sites, pharmaceutical stores, or retailers selling adult content online. 

High-risk merchants face greater fraud risks and typically have to pay higher processing fees. Thankfully, however, reliable payment processors exist and could provide high risk merchant accounts.

When selecting a processor, make sure they can accommodate both your business type and transaction volume. Furthermore, they should offer multiple payment methods; such as accepting ACH transfers, credit cards, and e-checks as payment. 

Furthermore, load balancing functionality should allow your transactions to be split among various accounts to minimize sales losses in case of sudden transaction spikes or bank rejections.

Consider searching for a company with transparent pricing and an excellent track record, offering approval rates within 48 hours of application submission if possible - otherwise, move on!

Price for high-risk merchant accounts depends on a range of factors including industry, credit score, and returns. Although they cost more than traditional accounts, high-risk accounts can be customized to your needs and save money in the long run if compared against one another before making your choice. It is wise to compare rates before making your final choice.

An alternative merchant account can be the solution to any subscription-based business's cash flow woes. By collecting payments directly from customers each month and providing you with access to regular cash flow, these accounts ensure a constant cash flow for your subscription-based venture. 

If you need a high-risk merchant account, always select a company that provides comprehensive solutions and has strong reviews or an unclear corporate structure. Moreover, having access to the right payment processor ensures compliance with regulatory authorities as well as reduces fraud risks and other associated liabilities.

Furthermore, before applying you should always look into their complaints record and check their complaints record as this can help narrow your options down to only those offering comprehensive solutions.


Finding a payment processor suitable for high-risk merchants can be difficult. There are many factors to take into account when selecting one, including fees, features, and customer support; as well as reviews to see what others think about them. After narrowing your options down further, opt for one with an array of products and services offered.

When applying for a high-risk merchant account, some basic information will need to be submitted, including your business name, address, website, and any relevant licenses or financial statements. Once this information has been sent in, a representative from High Risk Pay will contact you and review your application.

High risk merchant accounts are designed specifically for businesses operating in industries prone to experiencing higher fraud and chargeback rates, such as online gambling, adult entertainment, travel and tourism, e-commerce, pharmaceuticals, and nutraceuticals, among others. A high-risk merchant account allows these industries to accept credit cards - an increasingly popular way for customers to make purchases.

High-risk merchant accounts offer many advantages to businesses, such as recurring billing, multicurrency options, and an encrypted online system that protects credit card transactions in real-time. 

These perks can help expand and diversify your business while simultaneously increasing profits; for instance, offering loyalty or subscription programs through your recurring billing system can encourage repeat sales while building brand recognition and brand loyalty among your customer base.

High-risk merchant accounts can be beneficial in tobacco and cigarette sales, but they must be secured against hackers. A virtual terminal to process credit cards securely while an SSL certificate protects customer data against theft are two effective steps toward this end; additionally, payment gateways reduce fraud risks as well as chargeback risks.

To protect the personal information of your customers, it is vitally important that you choose a high-risk merchant account with an exceptional security system. Some merchants use hardware, software, and manual processes such as IP blocking and browser fingerprinting to detect suspicious behavior that might lead to identity theft; other measures might include securing servers and databases as well as encrypting payments and fraud prevention tools.


A high risk merchant account is a business bank account set up by a payment processor to enable high-risk businesses to accept credit card transactions with minimal processing fees and within 24-48 hours, the funds collected will be sent directly into their business bank accounts.

These accounts are specifically tailored for businesses that pose an elevated risk of fraud or chargebacks, such as online gambling, adult entertainment, e-cigarettes, and MLMs. Though high-risk merchant accounts tend to cost more than traditional accounts initially, they can save money over time by decreasing chargebacks and fraudulent activity.

Finding a high-risk merchant account provider that understands high-risk industries and has an exceptional customer service track record can make all the difference to your business. In particular, look for services such as POS terminals/swipers/virtual terminals/mobile solutions as well as ratings/reviews to ensure you stand the best chance of approval.

One factor that could contribute to classifying a business as high-risk includes industry or location. Certain high-risk industries may experience more chargebacks or have stringent regulations and compliance requirements that make payment processors reluctant to approve them; additionally, an individual's low credit score can affect this as well.

Though some providers offer dedicated high-risk merchant accounts, it's wise to conduct your due diligence when selecting one. Read online reviews and examine their business rating; additionally, you may contact them with any inquiries about their services.

High Risk Pay offers various per-transaction rates on its website but fails to explain how these apply to merchant types. This could mislead merchants into having unrealistic expectations about what rates they'll have to pay. Therefore, before making your final decision it would be advisable to obtain a custom quote from one or more high-risk merchant account providers.

Customer Support

Most business owners may never hear the term "high-risk merchant account." When your company is designated one, however, it can feel like an assault on your ability to run your company successfully. 

Usually, this designation comes as the result of payment processors flagging it due to an unusually high volume of chargebacks, fraud, or returns; often financial institutions and major credit card processors will refuse to work with high-risk merchants altogether and cause a major inconvenience for both themselves and customers alike.

At present, there are companies specializing in offering merchant accounts to high-risk businesses. These processors offer solutions such as e-commerce, POS terminals and swipers, virtual terminals, ACH processing, data reporting and analytics, and continuity subscription. Furthermore, they also provide fraud protection services as well as other essential support that will allow them to thrive in their industries.

If your business falls into the category of high-risk merchant, they may require you to sign a longer contract and/or pay additional fees. Cash reserves, which represent a portion of your monthly deposits held until the payment processor can further verify, they do not contain fraudulent or chargeback transactions, may also apply; a reputable high-risk merchant service provider should inform clients upfront of these risks associated with their services.

A high-risk merchant account can be beneficial in many ways, including increased sales and profits. Furthermore, this type of account makes it easier for customers to buy your products online by accepting credit cards, as well as expanding your customer base by making your products accessible in other countries.

Huì Yǐng

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