High Risk Merchant Accounts

There are a number of online businesses run by apparently high risk merchants that are extremely risk-prone due to various reasons including high sales volumes and the resultant susceptibility to fraud. Such high risk merchants, even though making enormous profits, encounter considerable problems in accepting online payments due to non-availability of high risk merchant accounts. Any businesses with one or more of the following characteristics can be categorized as a high risk merchant business:

The business is not registered as required by law.
The vendor or his business is blacklisted by merchant account providers/credit card processing companies for reasons of bankruptcy, fraudulent dealings or etc.
The merchant’s credit history is not consistent.
The merchant runs any business such as telemarketing, travel, online pharmacy, gaming, ticketing, entertainment, downloadable software, etc.
The business generates large volumes of sales resulting in large number of transactions. Such a situation is likely to lead to instances of fraud and term the vendor as a high risk merchant.
The business is small with very insignificant volumes of sales and fewer numbers of transactions. Such a business may not be able to afford the heavy expenses involved with purchase of fraud screening software/tools and other miscellaneous features as well as making payments required towards third party processor fees.

Who Are the High Risk Merchants?

Vendors engaged in the following businesses online are classified as high risk merchants:

Adult entertainment
Travel.
Pharmacy.
Online casinos/gaming merchants.
Telemarketing merchants.
Tobacco and cigarettes.
Replica products.
Online auctions and debt services.
E-wallet and E-cash.
ISP and hosting services.
Online dating services.

European ACH (bank debit):
Merchants can add 10% to 20% or more to their bottom line by accepting European checks. Europeans do not use credit cards the way Americans do. This payment option is a must.

US ACH Check Processing:
Simply the best Internet check payment product on the market today, featuring age verification and real-time lookup of account status. Low returns, better bottom line.

The above businesses do not make all the vendors exclusively high risk merchants. The degree of ‘high risk’ is bound to vary from one high risk merchant to the other depending on a host of factors. Establishing a merchant account is easy! The entire process will take just minutes of your time and you’ll be up and running in a matter of days. APPLY NOW


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