High Risk Merchant Accounts

What is a high risk merchant account?

When it comes to merchant services, mainstream providers and high street banks consider some businesses ‘high risk.’ This could be for a number of reasons, including the location of the business — whether it’s an offshore merchant account, for example — or if you’re operating in a high-fraud sector having experienced a number of chargebacks.

Merchant Advice Service specialise in helping high-risk businesses find suitable card processing, whether you are struggling to find a bank to accept your card processing application or have been terminated by your existing provider and urgently need an alternative.

Working alongside partnering Banks and Brokers, Merchant Advice Service have a wealth of experience in processing high-risk merchant account and payment gateway applications. Providing free of charge and non-biased advice.

High-street and mainstream providers generally refuse high-risk business applications depending on their risk portfolio and crietria guidelines. The industries considered high risk include:

  • Travel agents - including timeshare or holiday rental
  • Dating Services
  • Drug, supplement or herbal remedy shops
  • E-cig or tobacco shops
  • Payday loan companies
  • Gambling and gaming companies
  • Insurance firms
  • File or data sharing companies
  • Jewellers
  • Online auctions
  • E-wallets
  • Advertising services
  • Monthly membership/subscription-based businesses
  • Debt management companies

Expert high risk merchant accounts tips and advice

We love to hear from you, so if you have questions ask away!! Our advisors are vastly experienced within high risk merchant account applications, and happy to share their tips and advice, we are waiting for your call.

0800 304 7875

The Difference Between High Risk
& Standard Services Accounts

When applying to a high-risk merchant services provider, it’s important to make your choice knowing you have the greatest chance of having your application accepted at underwriting stage. There are some banks who are dedicated to high-risk industries and have a greater appetite to onboard risker businesses.

When constructing your application, your card payments expert may be ask you to provide additional information to the bank they’ve selected on your behalf.

Packaging your application correctly is especially important in the following areas;

  • Travel agents - including timeshare or holiday clubs
  • Dating and Adult Services
  • Pharmacy, supplement or herbal remedy shops
  • E-cig or tobacco shops
  • Payday loan companies
  • Gambling and gaming companies
  • Insurance firms

If providers regard your business as high-risk, there are still plenty of options available to you. It’s important to review the monthly processing fees on a pound for pound basis. Often if you’ve been processing history the cost of processing high-risk card payments won’t be as expensive as you might think!

At Merchant Advice Service we compare providers pound for pound, rather than focusing just on rates alone, ensuring you as clients receive the best deals from the high-risk merchant account providers available to you.

Speak to an Industry Expert

We are waiting for your call today.

0800 304 7875

High Risk
Payment Gateways

High-risk credit and debit card-processing works in a similar way to face-to-face payments. If you require a high-risk merchant account gateway some of the same restrictions, you come up against with high street bank and mainstream merchant providers will apply. However, some offer high-risk merchant accounts ensuring safety and security for both you as a company and your customers.

Often high-risk merchant providers view applications on a case-by-case basis, so it’s important you present your application effectively. At Merchant Advice Service we work with businesses to develop these applications to secure the best high-risk merchant account possible based on the needs of your business.

Options can be limited depending on the nature of your business, location, and technical requirements such as the platform your website is built on. Merchant Advice Service will ensure your card processing needs are met with a wide variety of banks and brokers.

Speak to our high-risk experts

When focusing on high-risk gateway providers in particular we have a selection of options available to our clients who specialise in this area. We deal with successful high-risk business applications, covering the payment gateway and merchant account elements on a daily basis and can give company owners up-to-date, relevant and, most importantly, impartial advice.

So, whether you are searching the market for a better deal or simply assessing your options, we have your high-risk payment processing needs covered! If you want to find out which is the best high-risk merchant account provider for you, get in touch today for a no fee, no obligation quote.

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