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High Risk Payment Processing

Looking for a reliable high risk merchant account and payment gateway? Need high risk payment processing you can trust with a quick set-up and no hidden fees?

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.

With our high risk account we can currently only help businesses with previous processing


Below 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 £10,000 per month.

Yes Nutraceutical Yes Networking Yes CBD and Hemp Oil
Yes Forex Trading Yes Gaming Yes Social Media Gains / Fake Likes
Yes Credit Repair Yes E-Cigarettes Yes Country Visa Applications

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 risk solution?

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.

Yes Cannabis and MMJ Yes Pharma Yes Kratom
Yes Research Chemicals Yes Binary and Forex Yes Salvia
Yes Male Enhancement Yes Peptides Yes Other legal highs

* 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.

Below are just some of the features that we provide for FREE and as standard

Merchant Account and Gateway Accept all MasterCard and Visa cards
Multiple Currencies

Low Rolling Reserves

Seamless website integrations

Customer Relations Management

Deferred Processing (pre-auth)

Real-time transactions

Website Payment Integrations

There 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 interfaces.

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 integration.

Integrating the high risk merchant account & gateway

Please note that as part of the application we will need to see your company website. Read more on website requirements


Costs, Fees and Processing Terms

We provide both the merchant account and gateway

Unlike some high risk payment providers, we confirm all costs before asking you to complete more detailed application documents.

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 application. We 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 being accepted.
Also please note that once the account is processing and the volume established, we can re-look at the costs

Ready to get started?
Apply now and start accepting online 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

What 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:

Why do applications and accounts gets declined?

Chargeback Mitigation and Information

Security and application checks

Credit and fraud checks

Learn more

It's critical that you capture every sale, every time...

How long does it take to set-up
FREE Virtual Terminal information
Customer Management System
Integration Methods

Can 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 - w.enquiries@web-merchant.co.uk

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.

Get started today ...
Simply choose and click on your business from the drop down menu and we will redirect you to the account we can provide

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Data Protection Act 1998: Reg No. Z3544745
Anti-Money Laundering Registration No.12709698
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What is a Merchant Account?
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Low - Medium Risk Online Payments
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High Risk Merchant Account

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