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High-Risk Payment Processing You Can Count On

A high-risk merchant account is issued to merchants that are more vulnerable to fraud and chargebacks. The decision to label a business as “high-risk” is based on many variables, including the company type, type of products sold, financial history, and geography. The rates issued to these merchants are higher in comparison to other businesses such as grocery stores or restaurants.

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At Merchantech

We strive to inform our visitors about the essential aspects of credit card processing for high-risk merchants, which can differ significantly from the factors that govern low-risk payments.

Approval within 24-48 hours Approval within 24-48 hours
No long-term contracts No long-term contracts
No setup fees No setup fees
Competitive rates Competitive rates
Quick access to funds Quick access to funds
Which Business Sectors Are High-Risk?

Which Business Sectors Are High-Risk?

Certain businesses are considered high risk because of the products or services they provide. As a result, they encounter higher chargebacks compared to traditional businesses. Some examples of businesses that fall under the label of high-risk are:

  • Cannabis-related products
  • Health and beauty products
  • Telemedicine
  • Travel-related services
  • Gambling
  • Antiques and collectables
  • Credit repair
  • Tech support
  • Dating Services
  • Adult
  • Pawn shops
  • Furniture sales
  • Firearms and ammunition
  • Nutraceutical

Which Business Sectors Are High-Risk?

Certain businesses are considered high risk because of the products or services they provide. As a result, they encounter higher chargebacks compared to traditional businesses. Some examples of businesses that fall under the label of high-risk are:

  • Cannabis-related products
  • Health and beauty products
  • Telemedicine
  • Travel-related services
  • Gambling
  • Antiques and collectables
  • Credit repair
  • Tech support
  • Dating Services
  • Adult
  • Pawn shops
  • Furniture sales
  • Firearms and ammunition
  • Nutraceutical
Which Business Sectors Are High-Risk?

High-Risk vs Low-Risk Merchant Account

High Risk
  • Higher risk due to type of business
  • Chargeback greater than 1%
  • Good Credit Preferred
  • Prone to higher disputes
  • Card Not Present
  • Keyed in Transactions
Low Risk
  • Established Company
  • Chargeback less than 1%
  • Established business
  • Face to Face Transactions
  • Card Physically Present

What Are High-Risk Merchant Account Fees

The rates for high risk merchant accounts is depended on the type of business and risk factors. The rate includes the authorization fee, settlement and capture, deposits, and any additional fees associated with payment processing.

Factors

Factors That Make A Good High-risk Merchant Processor

High chargeback protection Expansion of business Minimum processing delays Low probability of account termination High level of security and fraud protection Quick access to your money Minimum reserve requirements Multiple gateway support Global coverage - Accept all types of cards including international

Factors that make a good High-risk Merchant Processor

High chargeback protection Expansion of business Minimum processing delays Low probability of account termination High level of security and fraud protection Quick access to your money Minimum reserve requirements Multiple gateway support Global coverage - Accept all types of cards including international
Factors

Merchantech Promise

We pride ourselves with integrity, honesty, dedication, and service. Let us help you start accepting credit cards for your high risk business. We think your business should be able to accept credit cards as payment, regardless of your sector or circumstance, as easily as you accept cash.

High-Risk Payment Gateways

Merchantech integrates with multiple payment gateways. Our payment gateway makes high-risk credit card processing safer and more secure by including fraud prevention technologies.

USAePay

USAePay uses Transport Layer Security for all of its connections and processing (TLS) to guarantee your safety.

Authorize.Net

Authorize.Net is compatible with most online ecommerce sites such as Shopify, BigCommerce and more.

Gateway Features

SECURE VAULT
SECURE VAULT

A vital cornerstone of any payment gateway is a secure tokenized cardholder information. This protects cardholder data and gives you the option to setup recurring billing.

DETAILED REPORTING
DETAILED REPORTING

A reliable payment gateway can not only assist in efficiency but also inform future decisions for your business. Receive detailed reporting of your transactions, and view individual transactions and settlements seamlessly.

INVOICING
INVOICING

Streamlining payment processing and invoices are crucial in the success of your business. Generate invoices from your gateway and directly send via email payment. Once received, your customers will easily make their payments with few clicks

FRAUD DETECTION
FRAUD DETECTION

A good payment gateway makes safety and security foundational. Set up your own rule-based parameters to help protect you and your customers from fraudulent activity.

SECURE TRANSACTIONS
SECURE TRANSACTIONS

The use of the most modern and robust encryption system, P2PE, is utilized in order to ensure no cardholder information is ever exposed. You can rest assured that every transaction will be encrypted and secured.

NUMEROUS PAYMENT OPTIONS
MULTIPLE PAYMENT OPTIONS

Allowing your customers to use their preferred mode of payment is key in predicting future success. It not only leads to repeat customers, but also greater opportunities in generating revenue. Your payment gateway will give you the capability to accept debit cards, Visa, MasterCard, American Express and Discover, among many others.

What Documents Are Required To Get A High Risk Merchant Account

We make it our priority to offer our customers the fastest approval time with the best available rates and minimum documentation requirements. Most accounts will only need the following:

Signed application

Three months of business bank statements

Three months of credit card processing statements, if available

Voided check

Driver’s license

Copy of lease for business

Additional documentation may be required depending on the business type.

When picking a high-risk credit card processor, it is important to find one that specializes in your type of business. Merchantech has over 14 years of experience in helping high-risk companies accept credit cards. We specialize in offering high-risk merchant services across the country with high-risk payment processing solutions. Let us get your business started on the right track.

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