Overview: high risk merchant account at

So you have a business in a high risk merchant account at highriskpay and also need a merchant account to accept credit card payments. But regular merchant account providers turn you down due to the high chargeback risk. In this article we’ll take an in-depth look at, a popular high risk merchant account at If you’ve been struggling to find a payment processor, high risk merchant account at may be able to get you approve and accepting cards from customers right away.

What Is High Risk Merchant Account?

A high risk merchant account is a special type of account that allows businesses categorized as “high risk” to accept credit and debit card payments. high risk merchant account at may have a higher chance of chargebacks, returns, or fraud, so they require extra scrutiny and monitoring to minimize risks for the payment processor and banks.

To open a high risk merchant account, you’ll need to provide detailed information about your business and owners. The application process typically takes longer and there are additional fees involve, like a non-refundable application fee and higher transaction rates. Some key things the payment processor will evaluate include:

• Your personal and business credit scores

• Time in business and industry experience

-Processing history and chargeback ratios

-Business financials and bank statements

-Owner identities and background checks

If approve, your account will come with restriction like a rolling reserve, where a percentage of each sale is held in reserve for a period of time. There may also be caps on your monthly processing volume, average ticket size, and more. The account will be closely monitor for high chargeback ratios or suspicious activity.

Benefits of Getting a High Risk Merchant Account From

Why should you get a high risk merchant account through Here are a few of the major benefits:

Fast approval and setup. specializes in high risk businesses, so they understand your needs. They can approve your account and get you up and running in just 1-2 business days in most cases. No more waiting weeks or months like with a traditional bank.

Competitive rates. offers very competitive rates for high risk merchants. They have a large network of domestic and offshore banks and processors they work with to get you the best deal. You’ll pay higher rates than a low risk business, but you won’t find better for high risk.

•High risk expertise

The team at knows the ins and outs of high risk merchant accounts. They stay on top of the latest regulations, fraud prevention tools, and processing options so you don’t have to. Their high risk expertise means your account will have the right security and compliance features to minimize issues.

• Dedicated account manager

When you sign up for an account with, you’ll be assign a dedicated account manager. This is your go- to person for any questions, issues, or concerns. They will work with you to optimize your account and make the application and underwriting process as smooth as possible.

How to Apply for a High Risk Merchant Account With

Applying for a high risk merchant account with is straightforward. Follow these steps to get start:

Create an Account

Head to and click “Apply Now” to create your free account. You’ll need to provide some basic info like your business name, address, and tax ID.

Choose a Plan

Next, pick one of their merchant account plans that suits your needs. They offer plans for small to large volume processing so you can find an affordable option regardless of your sales. Each plan includes a free credit card terminal to get you up and running quickly.

Submit Documentation

Because high risk accounts require additional verification, you’ll need to provide documents proving your business is legitimate and financially stable. This typically includes things like business licenses or registrations, financial statements, and a valid government-issued photo ID. Don’t worry, the team will let you know exactly what you need to submit for your business type.

Undergo a Risk Review will then conduct a risk assessment to evaluate your business. This helps determine if you qualify for an account and if any additional security measures are need. The risk review process usually takes 3 to 5 business days. You may be ask to provide additional detail about your business operations.

Sign a Merchant Agreement

If approved, you’ll receive your merchant account terms and rates. Review and sign the agreement to officially activate your new account. Funds from credit card transactions will be deposite directly into your business bank account according to the schedule in your agreement.

That’s the basic process for applying and activating a high risk merchant account with


In summary, if you’re running a business that’s considere “high risk” due to the nature of your products or services, don’t lose hope. There are specialize merchant account providers like that can help. They understand your business model and customer base, so they’re willing to take on the risk that traditional banks avoid.

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