Risk Payment Processing
for a reliable high risk merchant account and payment gateway?
For over 20 years we have been helping high risk businesses
accept online card payments with our high risk merchant
accounts (also known as a high risk MID).
With our large acquiring network we consider
most businesses around the World. And remember, we
supply both the merchant account and payment gateway
in a single solution.
are just some of the many businesses we can help
Due to the cost of running a high risk merchant account
we will normally require a minimum monthly processing
amount - either estimated (if a start-up) or confirmed
via previous processing (for an established business).
This is normally from £5,000 per month.
Looking for an adult
business or sexual content
processing solution? learn
more about our direct account solution>>>
Higher risk industry so looking for a higher
fully approved with back office and integration logins
in just 1-2 days with only your url and a one page app
required. Also settlement in 24 hours with a $5k minimum
Unfortunately there are some businesses that banks,
as well as the card schemes, do not allow. These merchants
are prone to high levels of financial risk, liability
or the banks do not want to associate with them due
to reputational reasons. However, working with off-shore
acquirers we can set-up merchant processing for many
higher risk businesses.
Please note that due to the cost of running a very
high risk merchant account, certain industries will
require a minimum processing amount. For the industries
below this is typically around £10,000 per month.
* With VISA actively searching for and closing very high
risk merchant accounts, we ALWAYS recommend our non
VISA acquired eCheck solution to accompany traditional
online payment methods.
are just some of the features that we provide for FREE
and as standard
are numerous ways to integrate your eCommerce website
We understand that our merchants vary with
respect to their needs and requirements. Whether you have
a website or shopping cart, have no prior integration experience
or are a fully fledged developer, our processing options
give you the flexibility to select from one or all of our
On top of this we provide 24/7 technical support, a comprehensive
online portal and also provide test environments and test
accounts to enable you to fully test your website and ecommerce
Please note that
as part of the application we will need to see your company
website. Read more on
Fees and Processing Terms
We provide both the merchant account
some high risk payment providers, we confirm all costs
before asking you to complete more detailed application
There are many
factors that are taken into consideration to determine
your fees - processing volume, business type, country
of incorporation, turnover etc. Because we understand
that every merchant is different (and costs cannot be
determined until we learn more), we can only provide fees
once we receive an online
can not provide pricing over the phone.
With VISA actively closing high risk accounts,
we recommend our eCheck
solution to accompany online payment methods
We have one of
the best approval rates with 95% of businesses
Also please note that once the account is processing
and the volume established, we can re-look at the costs
To sign up for the High-Risk Merchant Account
and Gateway please complete the following online application
now and start taking payments
Once you have completed the online application form,
you will be contacted within 1 - 2 business days by
your allocated account manager. Please visit
here for a typical approval timeline.
Please be aware that even if you fulfill the minimum
requirements, this does not mean that you will be guaranteed
a merchant account. Different factors, such as previous
financial history, are taken into account when processing
an application and may mean different terms are put
in place or an application is rejected all together
is a high risk merchant account?
A special type of merchant number
- also known as a MID or Merchant ID Number - needs to be
generated for a specific high risk business. This type of
merchant account normally has higher transaction rates, fees
and extra terms put in place due to the risk the bank takes
on the high risk business.
When we talk about risk we mean the
risk taken on by the bank or processor and is often due to
the amount of Chargebacks that could come in that the bank
would have to fund if it all went wrong,the risk of creating
negative balance on an account and the risk of large fines
issued to them by Visa or MasterCard (often in the millions)
Please note that special terms may
be applied to our high risk merchant account such as rolling
reserves, longer settlement periods or an annual fee. However,
until an application is made we are unable to tell you what
terms may be included. Please be reassured that you are under
no obligation to continue with the application if the new
terms offered no longer meet your requirements. If this is
the case then reply to the relevant email and your application
will be cancelled.
You may find the following information helpful:
applications and accounts gets declined?
Mitigation and Information
and application checks
and fraud checks
you help Web-Merchant Services?
If you are a PSP or acquirer, or even a merchant who knows
of a bank that can provide merchant services for our prohibited
businesses, please let us know - firstname.lastname@example.org
Due to the amount
of partner enquiries we receive please do not request
a phone call in the first instance as we need more
information before we can make contact. Please also note
that enquiries may take up to 14 days to process.