Merchant Account Help – Everything You Need To Know About High-Risk Merchant Accounts

High-risk merchant accounts are not the same as a standard merchant accounts. There are a lot of misconceptions about what they do and who they can be beneficial to.

Here’s everything you need to know about high-risk merchant accounts, including how they work, who qualifies for them, and how their benefits stack up against standard accounts. Read on to learn more!

What Is A High-Risk Merchant Account?

A high-risk Merchant High risk payment gateway Account Help is specifically designed for businesses that have a higher chance of fraud, chargebacks, and other risks. This might include companies in the adult entertainment industry or companies that sell products online with recurring payments.

A high-risk merchant account is a type of payment processing account. This type of account is specifically made for businesses that sell products and services deemed high risk, like tobacco, alcohol, and others. If you have a business that is considered high risk, you might need a high-risk merchant account to accept online payments for your business.

Who Qualifies For A High-Risk Merchant Account?

There are four types of high-risk merchants:

  • New businesses
  • Established businesses in the gambling industry
  • Established businesses such as travel agencies
  • Established businesses with high monthly sales volume

How Do High-Risk Accounts Work?

High-risk accounts are designed for businesses with a higher risk of chargebacks. The reason they have such a high risk is that they sell items or provide services that are considered risky by the financial institution. If you’re selling anything from clothing to electronics, you’ll need to apply for a high-risk account.

How Are They Different From Standard Accounts?

There are two main differences between high-risk merchant accounts and standard accounts. The first is that high-risk merchant accounts often require a higher upfront fee. The second difference is the credit history of the business owners, which will be evaluated to determine if they are high risk.

The Benefits Of A High-Risk Account

A high-risk account offers additional protection to your business. High-risk accounts are designed to serve merchants with a higher risk of fraud and chargebacks, such as those in the adult entertainment, lottery, or pharmacy industries.

These accounts have built-in security features like a higher credit limit for high balance transactions and an increased level of monitoring. All of these features add up to better protection from fraud.

These types of accounts are beneficial to both small businesses and consumers because they offer an extra layer of security and protections that can be difficult to find elsewhere.

If you’re in a situation where you need a high-risk merchant account because the company has been restricted from other options, then this could be a good option for your business


With a high-risk account, you have more options when it comes to processing your transactions including the ability to process credit cards and debit cards in person, online, and over the phone. This account is not for everyone, so it’s important to understand the pros and cons of a high-risk merchant account before you apply.


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