High Ticket Merchant Services

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

What is a high ticket item?

High ticket items are retail goods of large value or cost. Some examples of these include; cars, jewellery or high end electronics. When it comes to merchant services high ticket retailers tend to have fewer transactions but at larger amounts. Although business owners view the higher valued transactions as profit, payment processors see it as potential risk.

Why are high ticket items high risk?


If customers are paying a premium for goods or services the expectations are high. If they receive or experience anything less than expected after purchase they are likely to return items or raise complaints. For less valuable or expensive items customers won’t generally go through the effort of a returns process or complains procedure.


Both imitation brands and identification fraud can occur within high-ticket industries. If someone stole your credit card details they are much more likely to purchase an expensive watch over a sandwich.

Ultimately this means securing a high ticket merchant account is more difficult than a standard account, but due to lack of information available about this industry, business owners rarely know, or take this into consideration when starting out.


High ticket item account providers

It’s important for merchants to find a provider that specialises in the high-risk industry and have experience of high ticket merchant accounts or high ticket merchant accounts more generally. Some merchant providers charge higher percentages for smaller transactions, others more for larger ones.

At Merchant Advice Service, we deal with high ticket merchant account applications on a daily basis. We understand the criteria for each merchant provider and understand the ins and outs of high ticket merchant services. This enables us provide you with expert advice and guidance, saving you both time and money.

Get in touch with one of our expert advisors today to find out more.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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