High Risk Credit Card Processing Solutions

By specializing in High Risk and International Merchant Services, High Risk Experts provides merchant account solutions that are tailored to meet the needs of each individual merchant with the latest in fraud protection and chargeback reduction and a focus on individual customer service and satisfaction with the lowest possible discount rates, transaction costs, and no hidden fees. Learn more.


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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 Experts 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:

• 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