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Welcome to HighRiskExperts.com, where we help provide high risk merchant accounts for credit card processing in every industry. We have developed the best and most business friendly USA based relationships with high risk merchant banks and ISOs. With over 20 years of experience setting up high risk merchant accounts we guarantee lowest rates and the fastest payouts. We can find a high risk credit card processing option to meet the specific needs of your industry. If we can't get you approved for a merchant account, then no one can!

Process with the High Risk Merchant Account Experts

Many legitimate business types can easily be categorized as a High Risk Merchants. A High Risk Merchant Account is required for certain industries as they carry a higher risk of fraud and charge backs. While most online businesses can obtain a merchant account with little difficulty, those that are classified as high risk can have considerable difficulty in opening a merchant account, particularly through domestic providers.

Many domestic banks consider a business to be a high risk based on the potential for:

  • Excessive chargeback's and returns
  • Possible legal violations for selling banned services or products
  • Financial liability that the bank or processor may incur whilst processing for the merchant
  • Bad publicity towards the bank for accepting certain types of businesses

As a result of getting a high risk classification, many merchants will obtain a High Risk Merchant Account. At HighRisk Exprts we accept applications from all legal high risk business types. Opening high risk merchant accounts through HighRisk Experts will allow a merchant increase their business revenues significantly. HighRisk Experts also features a security team that specializes in monitoring transactions through high risk merchant accounts, helping to greatly minimize the high chargeback levels often associated with high risk processing.

USA/Domestic and Offshore Solutions

High Risk Merchant Accounts are ideally suited for businesses greatly involved in high risk dealings. Some examples of such businesses are those providing Gaming, Travel and Pharmaceutical services, telemarketing and multi level marketing companies. Finding a merchant account provider willing to set up a high risk merchant account for businesses such as these may prove to be a challenging task as many banks and financial institutions are reluctant to take on the increased risk of credit card fraud that comes with such high risk businesses.

A High Risk Merchant Account is required for certain industries as they carry a higher risk of fraud and charge backs. While most online businesses can obtain a merchant account with little difficulty, those that are classified as high risk can have considerable difficulty in opening a merchant account, particularly through domestic providers.

Many domestic banks consider a business to be a high risk based on the potential for:

  • Excessive chargeback's and returns
  • Possible legal violations for selling banned services or products
  • Financial liability that the bank or processor may incur whilst processing for the merchant
  • Bad publicity towards the bank for accepting certain types of businesses

Typical high risk merchant account type businesses include:

  • Online Casinos & Gambling Services
  • Adult Services and Products
  • Pharmaceutical Products
  • Travel Services
  • Telemarketing Businesses
  • E-wallet and E-cash
  • ISP and Hosting Services
  • Online Cigarette or Tobacco Merchants
  • Online Auctions and Debt Services
  • Online Dating Services
  • Online Sale of Replica Products

Some other products and services that are also considered as high risk online businesses and require high risk merchant accounts include:

Credit Card Business Types Classified as High Risk

• 800/900 MOTO Services
• Adult Sites & Products
• Auctions
• Airlines & Air Carriers
• Answering Services
• Auto Rentals
• Bail Bonds
• Bankruptcy Services
• Catalog Merchant
• Cellular Services
• Check Cashing
• Gold & Silver Coins
• Collection Agencies
• Credit Repair
• Cruise Lines
• Dating or Escort Services
• Debt Counseling
• Detective Services
• Diet Centers
• Discount Clubs
• Glass Pipe Shops
• Herbal/Vitamin Retailers
• Foreign Currency Exchanges
• Garcinia Cambogia
• Gun Shops
• Drug Paraphernalia Shops
• High Volume - High Ticket
• Home Based Businesses
• Horoscope - Fortune Tellers
• Infomercials
• Insurance Products
• Internet Pharmaceuticals
• Internet service providers
• Lottery Clubs
• Massage Parlors
• Multi-level Marketing
• Mortgage Brokers
• Pawn Shops
• Personnel or Job Agencies
• Recreation Services
• CBD/Hemp/MMJ Retailers
• Seminars & Educational
• Sports Cards
• Sports Forecasting & Consulting
• Time Share Sales
• Travel
• Used Auto Sales
• Weight Loss Centers

A merchant whether traditional brick and mortar or online is considered high risk when an acquiring bank believes there is a higher risk of financial loss when underwriting a particular business.For this reason, High Risk Credit Card Processing is required.

For example, a Card Holder Not Present transaction would be considered a high risk transaction for the simple fact that the order is either being taken over a telephone, mail order or via the internet. These types of business generate large volumes of money and also carry a huge risk of potential fraud given there is no card holder present.

High Risk Merchants must constantly be exploring new processing options and are being forced to diversify accounts in multiple jurisdictions to protect their financial investment. This is not an easy task as diversifying is much harder than it sounds.

For example in recent years it has become increasingly difficult for many online merchants such as pharmacy merchants to open a merchant account. If you are a pharmacy merchant, you will find it is near impossible to find a domestic processor to take on your business. This is due to online pharmacies being categorized as high risk merchants.

This high risk classification has come about because of a number of rogue merchants selling banned substances. As a result of this illegal activity and to protect their interests, MasterCard for example will fine payment processors hundreds of thousands for each instance, where it is proved that a processed payment was for a banned substance. This means pharmacy merchant account processors will have to vigilantly monitor merchants, otherwise risk huge fines.

If you are a nutrition or herbal supplement based merchant, HighRisk Experts will be able to process your transactions; however sites selling any type of pharmaceutical or medicinal product will in most cases have to use an offshore merchant processor.

Why open a Merchant Account with HighRiskExperts for your High Risk Credit Card Processing?

HighRiskExperts currently processes tens of thousands of transactions per month for a variety of online websites. Many of our merchants use us for the following reasons:

  • High approval rate for high risk merchant accounts
  • Our high risk rates are very competitive
  • We will keep you updated on banned product lists
  • Our fraud prevention systems is arguably the best in the industry with 24 hour security analysts on hand to minimize chargeback costs
  • Superior 24 hour call centre support
  • High risk merchant account applications only take 2-3 days to setup

Friendly Towards Your Industry & Business Model

HighRiskExperts offers High Risk Merchant Services for retailers of adult products. These businesses pose a higher risk to credit card processors for several reasons. The first is that they, like many other industries, process credit cards via the web. Without a receipt signed by the card holder, your company will have a difficult time disputing a contested charge. Adult oriented products and services can also be a source of embarrassment or deceit, which means that a customer may initiate a charge-back to avoid taking responsibility for his or her purchase. HighRiskExperts would be happy to work with your adult-oriented business in order to get you a great rate on credit card processing services.

In most cases, adult businesses are those that offer products and services that can legally be bought only by those who are at least 18 – legal adults. Some of the businesses that might fall into the category requiring adult merchant accounts include the following:

Adult Entertainment: This includes videos, magazines, books sex toys and other items and services associated with the adult entertainment industry. These businesses can be online or offline, but they include items and products that are for practices that may not be socially acceptable. There is the risk that adult entertainment businesses will provide products and services to minors (illegally) or that they might engage in the illegal traffic of such items as snuff films or child pornography. If these businesses are shut down, the merchant account provider runs the risk of not getting paid if money is owed.

Dating, Escort and Massage Services: These are considered adult businesses as well. One must be at least 18 to take advantage of the services offered by dating firms, escort services and massage parlors. It is important to note that in some cases, dissatisfied customers may demand chargebacks. Additionally, sometimes a line is crossed by these companies and services into illegal activities that increase the risk for merchant account services.

Gun Sales: With prominence of shootings in public places, and the dangerous nature of guns in the wrong hands, it is no surprise that gun sales are considered high risk and adult. Indeed, some gun shop owners are sued when the products bought at their businesses are used to kill others. Additionally, there is the possibility of chargebacks if someone is denied after a background check and waiting period.

Liquor Sales: Another adult business is selling liquor. A liquor store carries the risk of robbery, as well as problems associated with some of the clientele. And, of course, this is an adult business since purchasers must be at least 21. Smoke shop/tobacco store sales and lottery sales are also considered high risk and adult.

If you want to run a business selling products or services that are considered for adults it is important to realize that you will be charged more for your merchant account – or you might have trouble getting one in the first place. There are some service providers that offer High Risk Merchant Services for those who run adult businesses and may need an option for accepting payment.

The primary criteria for selecting HighRiskExperts as your quality High Risk Merchant Services provider:

  • Reasonable setup and recurring fees
  • Approval time and setup speed
  • Well-organized international high risk merchant services
  • No skepticism about high sales volumes
  • Provision of diverse payment processing options
  • Provision of security including fraud protection measures

High Volume Merchant Account Capped Volume Load Balancing Options

As your business continues to grow and customers buy more goods and services, you may want to consider joining those who are applying for High Volume Merchant Accounts. When you are approved for a high volume account, you can get good prices on mid- and non-qualified sales, along with debit processing, monthly statement fees, and additional expenses. The greater your volume of business, the better deals you may be eligible for when working with financial institutions or companies who can provide this valuable service.

The way it works is that you apply for a High Volume Merchant Account with HighRiskExperts. This can be packaged in a variety of ways. For example, you may want to pay a few cents for each transaction, but if you experience high-volume sales, this could become a costly option. The other route to go is to pay a low monthly overall percentage, often between 1% and 2%, for the entire sales volume you experience via your credit card and debit-processing program. High Volume Merchant Accounts can save you money over time because you will be able to pay smaller fees for each transaction or get a better rate for the amount of profit that you bring in.

If you currently have a sizable volume of sales and perhaps expect to do more in the near future, keep in mind that High Volume Merchant Accounts have helped others in your position. Your customers will appreciate the ease of using up-to-the-minute technology for processing their orders with your company. And your employees likewise will be happy to turn their attention to other tasks within the organization. Your company may even see profit increases within the first few months as the word spreads about your merchant account status and credit card processing capabilities.

You can apply for High Volume Merchant Accounts through HighRiskExperts. Your application should demonstrate that your company is not involved in illegal or shady dealings that the underwriters are unlikely to approve, including gambling, pornography, and pharmaceuticals. Then you will want to be able to show that your company is fiscally solvent and maintains a solid credit history. You might include documentation to support the notion that your company will be able to pay merchant account fees in a timely manner.

All businesses have some elements of risk involved as a general rule and will require a High Risk Merchant Account. Yet, the degree of these risks may vary drastically from one business to the other.

Due to the typical environment of the Internet, online businesses requiring credit card payments obviously carry much greater risks. The degrees of risk of the individual online businesses too vary differently depending on various factors specifically applicable to online transactions.

When the sales volumes/turnovers are exceptionally large in a particular business, there is always a likelihood of some kind of fraudulent activities taking place at some point of time or the other. These businesses are typically considered as high risk businesses.

As it is well known, all online vendors need to hold merchant accounts that enable them to accept payments made electronically, especially through credit cards. While any no-risk or low-risk type of a business can conveniently obtain a standard eCommerce merchant account from any merchant account provider, it becomes almost impossible for the high risk types of vendors to procure such merchant accounts.

It is then that these high risk business operators opt and apply for a High Risk Merchant Account to enable them to receive the online payments rather conveniently.

Businesses that Require High Risk Merchant Accounts

  • Adult Services and Products
  • Pharmaceutical Products
  • Online Casinos
  • Other Gaming, Gambling and Sports Betting
  • Cigarette and Tobacco Drug Paraphernalia
  • Sale of Antique and Replica Products
  • Telemarketing
  • Online Auctions
  • Loan Modification and Debt Services
  • E-wallet and E-cash
  • Travel Agents
  • ISP and Hosting Services
  • Online Dating Services
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