No Credit Check Merchant Services: Understanding Your Options

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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.

No Credit Card Processing

In the realm of merchant services, the notion of instant approval or no credit check merchant accounts is a topic that often sparks interest. This is particularly relevant for those who lack a credit history or have faced credit challenges in the past. While there are accounts available with no credit checks, it’s crucial to understand that the decision to perform a credit check lies with the account provider or acquiring bank during the application process. Here, we delve into the reasons why companies seek credit card processing with no credit check and explore the available options.

High-Risk No Credit Check Merchant Account Services

Businesses operating in high-risk sectors often seek merchant accounts without credit checks or instant approval. Some may apply to popular platforms like PayPal or Stripe, hoping to operate discreetly. However, high-risk businesses frequently face account terminations when using mainstream providers. Opting for high-risk-specific acquirers from the outset minimises the risk of abrupt trading halts.

Speak to Our High-Risk Experts

Start-Up Company Merchant Services with No Credit Check

Start-up businesses, lacking a trading or credit history, may believe they need a merchant account with no credit check. While ‘pay-as-you-go’ options are available, they can become costly in the long term. We collaborate with start-up specialists who offer sustainable solutions. A tip for start-ups is to gather six months’ worth of transaction statements, enabling us to negotiate new account options with reduced fees.


Online Merchant Account No Credit Check

E-commerce businesses and those seeking virtual terminal credit card processing without a credit check may view it as a quick fix. Instant approval accounts provide rapid setup, but they may not be the optimal long-term solution. For instance, if you operate in a high-risk industry and hastily set up an instant account, the provider might issue a notice once payment processing commences. Ensuring that businesses have the most suitable merchant account from the beginning is vital, minimising the risk of any downtime while searching for a new provider.


Friendly Reminder: Be proactive in choosing the right merchant account for your specific business needs.

Merchant Accounts with Adverse Credit

Companies facing adverse credit histories might question their eligibility for merchant accounts. While some providers might be lenient, it’s essential to recognise that adverse credit can impact the terms and fees associated with the account. Seeking specialised guidance can help navigate this terrain and find solutions tailored to individual circumstances.

Declined Payment Processing

Experiencing declined payment processing can be a significant hurdle for businesses. It can be attributed to various factors, including insufficient funds, technical issues, or even the nature of the industry. Understanding the reasons behind declined payments is crucial for implementing effective solutions and ensuring smooth transaction processes.


Navigating Challenges: Our experts are here to help you understand and overcome payment processing hurdles.

Frequently Asked Questions (FAQs)

Commonly Asked Questions
Can I get a merchant account with no credit check?
While some providers claim to offer no credit check accounts, the decision ultimately rests with the account provider or acquiring bank.
How can a high-risk business secure a stable merchant account?
Collaborating with high-risk-specific acquirers from the beginning can minimise the risk of account termination.
What options are available for start-up businesses with no credit history?
Start-ups can explore ‘pay-as-you-go’ options initially and transition to more sustainable solutions once a transaction history is established.
Is an online merchant account with no credit check a viable long-term solution?
While instant approval accounts provide quick setup, businesses should ensure they have a suitable long-term solution, especially in high-risk industries.
Can businesses with adverse credit histories still obtain merchant accounts?
Yes, but the terms and fees may be impacted. Seeking specialised guidance can help identify suitable solutions.
What are common reasons for declined payment processing?
Reasons vary and may include insufficient funds, technical issues, or industry-related factors.
How can businesses overcome declined payment challenges?
Identifying the specific reason for declines is crucial for implementing effective solutions tailored to the root cause.
How can MAS assist in navigating merchant service challenges?
MAS specialises in guiding businesses through the complexities of merchant services, offering tailored solutions for diverse needs.

Merchant Services Assistance

Choosing the right merchant account is vital for business owners. Whether you’re in a high-risk sector or a start-up, it’s important to consider your credit score and the impact it has on merchant services. Payment processors and payment gateways are crucial for processing payments, especially for those deemed high risk. Even if your business has a higher transaction volume or a less favourable credit rating, there are options available.


When applying for a merchant account, it’s key to understand how your credit score and business type—high risk or not—can influence your bank account and the terms of your merchant services. Always seek a merchant account that suits your specific needs, whether that’s a high risk account for a high-risk business or a more standard option for businesses with a stable credit score.


Remember, each merchant account application is unique, and finding the right fit for your business can make a significant difference in how efficiently and successfully you manage your transactions.


For personalised guidance on your merchant service needs, contact us.


For more advice like this, visit our blog page!

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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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