High Risk Merchant Account & Payment Gateway

high risk merchant account

High risk businesses are ones that sell items that fall into areas such as adult entertainment, online gambling, ticket sales, or medications. While the products sold and services provided are completely legal, these items come with a higher risk of theft.

Major credit card processors tend to stay away from giving high risk businesses the power to process credit cards because of possible false refunds and stolen cards. These credit firms also want to avoid the issues that come with a high risk merchant account. Some card processing companies feel they’ll lose larger customers if they offer high risk card processing services.

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Why choose High Risk Pay as your merchant services provider ?



We offer high risk merchant accounts to all business types in high risk categories.


99% approval

Having trouble getting approved for your high risk merchant account? Did you know HighRiskPay approves 99% of all applicants!



HighRiskPay understands that time is money. Entrust us yours and we’ll be sure to make it worthwhile! Apply Today and Be in Business Tomorrow!

Why Do Credit Card Processors Serve Only Certain Types of Businesses?

Some companies are ones that credit card processors typically won’t serve:

Get your adult merchant account and payment gateway now.

Get your bad credit merchant account and payment gateway now.

Get your cbd merchant account and payment gateway now.

debt collection merchant account and payment gateway

Debt Collection Agency

Get your debt collection merchant account and payment gateway now.

Get your continuity subscription merchant account and payment gateway now.

credit repair payments and merchant services

Credit Repair

Get your credit repair merchant account and payment gateway now.

online dating credit card processing and merchant account


Get your dating apps merchant account and payment gateway now.

Get your ecommerce merchant account and payment gateway now.

Firearm merchant processing and payment gateway


Get your firearms merchant account and payment gateway now.

Get your high volume merchant account and payment gateway now.

MLM payment gateway and credit card processing provider

MLM/Biz Opportunity

Get your mlm merchant account and payment gateway now.

Get your pharmacy merchant account and payment gateway now.

Get your startups merchant account and payment gateway now.

Get your tickets brokers merchant account and payment gateway now.

Get your travel merchant account and payment gateway now.

technical-support merchanrt account

Tech Support

Get your tech support merchant account and payment gateway now.

These types of businesses and others like them have to use a high risk bad credit merchant account to process credit cards. Indeed, customers like the safety and ease of using a credit card both online and for purchases over the phone.

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The Risks of Accepting Credit Cards

For a business to make sales and profits, a business owner needs to accept credit cards as a form of payment. Otherwise, customers may go somewhere else to buy the product or get the service they require. Ask yourself if lost sales are worth not taking credit cards or using an undependable external processor.

Sadly, customers can buy products without paying for them. They may use stolen credit card numbers and later deny the charges took place. For a business, the result is lost income and product in cases where credit card banks back up their customers.

While these situations are common for any operation that accepts credit as a form of payment, some industries come with more risk than others. Credit card processors like to limit their exposure. Some won’t offer a high risk merchant account to a business owner. You could be in a tight spot to keep your customers happy and profits high.

Fortunately, many people who buy goods and services with a credit card intend to pay for their purchases. Not every transaction is a false one. But, a 5 percent return rate is too high for many banks. Banks can close an account of a merchant who has too many refunds and stolen cards during a certain amount of time.

Even if 95 percent of credit card purchases go through without problems, the risk is still too high. The amount is not enough for a credit card processor to keep the account open. In turn, the business loses the ability to accept credit cards when the account closes.

The Perks of Accepting Credit Cards

Why should you open a high risk merchant account, especially given the trouble that could come with taking credit cards? While you can boost your sales, turnover, and profits by accepting credit cards, you gain more as a business owner. You add a layer of respectability and trust to your business.

Customers think of a business that accepts credit cards as credible and well established. People get the feeling that a business isn’t going to close and disappear when least expected. Customers also know that you’re going to keep the doors open, and you’re willing to help them through all aspects of a sale.

Accepting credit cards can also increase your customer base. You’re no longer restricted to your home area or region to sell your products and market your services. With a high risk merchant account, you can reach customers that live all across the country and around the world. Limit the places you’re willing to sell and ship to, but you can grow your customer list to a size you may not otherwise have thought possible. Accepting credit as a form of payment can make these benefits possible.

A high risk merchant account lets business owners accept all methods of payment. You can give customers the option to swipe a card at a physical location, call in an order and process a card not present for the transaction, or pay through a secure payment system on your business website. You give your customers the freedom to shop at their convenience through an online shopping system. In return, all you need to do is fill the order and make sure the customer gets it.

The Competitive Fees of HighRiskPay.com Merchant Accounts

What about fees? A high risk merchant account can have higher taxes and restrictions on it. We don’t punish customers for being in a business that presents a greater risk for more theft or refunds compared to other companies.

Through HighRiskPay.com, fees are similar to traditional card processors. In return, you as a business owner get many ways to accept credit cards for transactions. You’ll have the pleasure of serving your customers, and you make transactions convenient for them. Read more; What is a merchant account for e-commerce.

Why Can’t You Do Business Without a Card Processing Account?

In an economy based on best e-commerce merchant services, high risk businesses that can’t take credit cards as a form of payment have a weakness. If conventional processors or lenders think your merchant services are high risk and won’t give you an account, you’re not out of luck. A high risk merchant account lets you accept cards and get the benefits of it without having to go out of pocket.

Take the time to think about what a high risk merchant account can offer for you and your business. Remember, this account type can help you give your customers multiple payment options.

Your business may be in a high risk industry, but you gain respect and trustworthiness when you can accept credit cards. Customers view you as a reputable business, and they are more willing to buy products and services from you. When your business has the backing of a high risk merchant services provider, you can feel better about reaching your customer base and making customers happy. A high risk merchant account can mean the difference between making sales and struggling for sales with your clients.

Who We Help

We are a team of high risk merchant account providers comprised  by talented experts who can help you find a payment solution for any business:

  • B2B
  • B2C
  • Enterprise
  • Small and medium-sized businesses
  • eCommerce

High Risk Industries and Business Types We Serve

Your business is unique, and your high-risk payment gateway should be, too. No matter what industry you’re in, we have a payment solution for you so that you can satisfy customers and keep them coming back for more.

  • eCommerce
  • Travel agencies
  • Vape and electronic cigarette shops
  • Online pharmacies
  • And more!

Payment Gateway vs. Merchant Account

If you’re an eCommerce merchant, you’ve most likely heard of both payment gateways and merchant accounts. In fact, you need both to effectively run your online business and take payments from your valued customers.

Payment Gateway

payment gateway is technology that connects merchants and payment networks. It integrates with your online store so that you have more online credit card processing capabilities. It then captures those payments for transactions and transmits that information to a payment processor or acquiring bank. An approved or declined message is then sent to the merchant.

Not all payment gateways are created equally, however. Many go beyond their standard function and offer other services:

Multiple Payment Methods

Many customers now shop online with Paypal or eWallets, so it’s important to have more than just a credit card payment gateway.

Fraud Protection

Every time online businesses accept payments online, they are at risk. If your fraud level gets high, your business may be negatively impacted by chargeback fees and penalties. Payment gateways with strong fraud detection can prevent these problems.

Recurring Billing

Many businesses use a subscription merchant services model so that they can continue to deliver a quality customer experience. High-risk credit card processing companies can make running your business much easier by setting up and managing automated billing, sending out payment reminders, and even setting up customizable billing plans.

Payment Analytics

Having detailed data about payments can help you make better and more informed business decisions. Your payment gateway for high-risk businesses will give you access to a variety of payment analytics. These reports can show you which payment processes your customers favor, or which ones they encounter trouble with.

Merchant Account

Running your business can be difficult if you can only accept cash. Getting a merchant account can be difficult for some types of businesses, which is why you need to work with a company that offers high-risk merchant account services.

Obtaining final approval for a high-risk merchant account typically takes a lot longer than one for low-risk companies. Approving high-risk businesses requires extensive investigation into credit history, which is why instant approval is so important.

Instant approval typically takes around 24-48 hours, which is a lot faster than many other timeframes for merchant accounts. Instant approval can be extremely beneficial for businesses who need to be able to take credit cards online. Since it can be difficult for people to purchase a product without a card of any kind, it’s important for a business that needs to sell its products to be able to take those sales and begin shipping.

Expediting Approval of Your High-Risk Merchant Account

If you need to get approved for a merchant account, contact us as soon as possible! Need help getting approved? Follow these tips:

Work with the best provider with awesome rating

Work with a partner with a proven track record of experience in your industry. We’ll make sure to answer all of your questions before the process begins so that you’re completely comfortable working with us.

Gather Your Paperwork To Get Approved High Risk Merchant Accounts

You’ll need to provide us with a lot of information. Having your papers ready during the initial application can save you time during the approval process. Scan all required documents so that you can email them to us as part of your application.

Be Honest

No matter what you sell, it’s important to be honest about your business. We understand the desperation to get approved for a merchant account, but the more honest you are with us, the more helpful we can be. In many cases, you can still be approved despite having negative information to share.