Merchant Services for Small Businesses
Comprehensive small business merchant account and payment processing services
SUPPORTING HIGH-RISK MERCHANTS
Payment Solutions for Your Small Business
Running a small business comes with big responsibilities—and sometimes, big financial roadblocks. Many small businesses struggle to secure reliable credit card processing, especially in high-risk industries. Traditional processors may reject applications due to limited revenue history, higher chargeback potential, or simply because the business is still growing.
That’s where we come in. High Risk Pay provides high-risk merchant account services to small businesses of all types, even those that have been denied by other providers. We make it easier for small businesses to accept payments and keep their operations moving forward.
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Why choose High
Risk Pay as your merchant
services provider ?
SPECIALIZED IN HIGH RISK
We offer high risk merchant accounts to all business types in high risk categories, including specialized options like a nutraceutical merchant account.
99% APPROVAL
We offer high risk merchant accounts to all business types in high risk categories.
FAST APPROVAL GUARANTEED
We offer high risk merchant accounts to all business types in high risk categories.
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Benefits of High Risk Pay’s Merchant Account for Small Businesses
High Approval Rates
We specialize in working with small businesses that other providers overlook.
- Approvals for many high-risk industries
- Fast, simple application process
- No long credit history required
Chargeback Protection
Reduce risk and protect your revenue with built-in tools to manage disputes.
- Alerts for potential chargebacks
- Prevention tools to stop fraud before it happens
- Expert guidance on handling claims
Secure Payment Processing
Keep your transactions safe with reliable, PCI-compliant systems.
- End-to-end encryption
- Fraud detection features
- Secure online and in-person processing
No Hidden Fees
Know exactly what you’re paying with straightforward, transparent pricing.
- Clear monthly statements
- No surprise charges
- Competitive rates tailored to your business
Scalable Solutions
Our services grow with your business, from side hustle to full-scale operation.
- Flexible processing limits
- Support for online, mobile, and retail payments
- Easy upgrades as your needs evolve
Dedicated Support
Get the help you need, when you need it, from real people who understand your business.
- U.S.-based customer service team
- 24/7 technical support
- Personalized onboarding and setup assistance
WHO WE SERVE
High Risk Merchant’s We Serve
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Payment Processing Solutions for Your Small Business
No two small businesses are exactly alike, and neither are their payment needs. That’s why High Risk Pay offers a variety of flexible, secure processing tools designed to work the way you do.
- Online Payment Gateway: Accept secure payments directly through your website or online store. Our gateway supports all major credit and debit cards, plus alternative payment methods, so your customers can pay however they prefer. It’s fast, reliable, and built to help your business grow online.
- Mobile Payment Processing: Take payments anywhere with mobile processing solutions. Whether you’re a contractor, food truck owner, or pop-up vendor, you can turn your smartphone or tablet into a secure checkout. It’s ideal for businesses that move with their customers.
- Virtual Terminal: Need to accept payments by phone or mail? Our virtual terminal lets you process transactions through a secure, browser-based interface. It’s perfect for remote billing, customer service teams, and businesses without a physical storefront.
- Recurring Billing: Automate your payments with recurring billing tools. Set up subscriptions, memberships, or installment plans easily—no chasing down invoices. Recurring billing helps improve cash flow and ensures timely payments from your customers.
- Detailed Reporting: Get a clearer view of your business with in-depth reporting features. Track transactions, monitor trends, and generate summaries that help you make smarter decisions. It’s data that works for you, not just numbers on a screen.
Small Business Frequently Asked Questions
What is a merchant account, and why does my small business need one?
A merchant account is a special type of bank account that allows your small business to accept credit cards, debit cards, and other electronic payments from customers. When a customer makes a purchase, the funds are first routed through your merchant account before being deposited into your business bank account. Merchant accounts give your customers more ways to pay, which can help increase sales, compete with larger businesses, and build your credibility.
What are the different types of merchant accounts suitable for small businesses?
Small businesses can choose from several types of merchant accounts depending on how they operate. Common options include:
- Retail merchant accounts for brick-and-mortar stores with card readers
- eCommerce merchant accounts for online businesses using payment gateways
- Mobile merchant accounts for businesses that accept payments on the go
- High-risk merchant accounts for businesses in industries with higher chargeback rates or regulatory scrutiny
High Risk Pay helps you choose the right setup for your business type and risk profile.
What are the requirements to get a merchant account for small businesses?
The requirements for a small business merchant account can vary depending on your industry. However, you should be prepared to provide High Risk Pay with a valid business license or registration, a U.S. bank account, basic information about your products, services, and processing history, and your personal and business credit history.
What types of payment methods can I accept?
With a High Risk Pay merchant account, you can accept all major credit and debit cards, including Visa, Mastercard, American Express, and Discover. You can also accept ACH payments, mobile wallets like Apple Pay and Google Pay, and recurring payments. Whether you sell in person, online, or over the phone, we make it easy for your customers to pay their way.
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