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Safe, secure and reliable payment processing since 1997

High Risk Payment Processing

Looking 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.


Has your business been classified by the card schemes as high risk? Finding it hard, if not impossible, to obtain online card processing from any payment processors? Our goal is to get you an account approved and placed in your name and owned by you. However, if this is not possible we will provide an aggregated solution

With all our accounts (excluding aggregated accounts) both your incorporated company AND your physical home address must be in either the UK, EU or the US.

Incorporated outside Europe or the US? Our aggregated account allows business incorporations in most countries including India and Asia and you do not have to set-up a shell company.

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 £5,000 per month.

Yes Nutraceutical Yes Networking Yes Established CBD and Hemp Oil
Yes Licensed Forex Trading Yes Multi-Level Marketing Yes Social Media Gains / Fake Likes
Yes Credit Repair Yes E-Cigarettes Yes Country Visa Applications
Yes Gaming and Competitions Yes Sports Forecasting Yes Vaping and e-juice

Looking for an
adult business or sexual content processing solution? learn more about our direct account solution>>>

Classed as a higher risk? Possibly need an aggregated 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 high risk businesses.

This is where our aggregated merchant account or eCheck * solutions come in. Please note that we can now help businesses with or without previous processing.

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 £30,000 per month.

Yes Cannabis and MMJ Yes Tech Support Yes Peptides
Yes Research Chemicals Yes PPI Claims Yes Kratom and Salvia
Yes Male Enhancement Yes Binary Options Yes Salvia
Yes Replica Items Yes Unlicensed Forex Trading 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

Free Virtual Terminal

Seamless website integrations

Customer Relations Management

Deferred Processing (pre-auth)

Real-time transactions

Website Integrations

There are numerous ways to integrate your eCommerce website

There are numerous ways to integrate your eCommerce website. The method you choose will depend on your individual requirements.

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



Wish to process payments over the phone?

FREE Virtual Terminal for MOTO Payments

We provide a FREE payment terminal that will enable your business to process telephone (MOTO) credit and debit card transactions.

Accept phone payments

Intelligent and easy to use screens

No additional monthly fees

Thawte 2048 bit encryption systems

Secure browser based terminal

Based on a multi-tiered architecture


Please note that depending on business type we may not be able to provide a Virtual Terminal for the first 2 - 3 months of processing
and will only provide an ecommerce solution to begin with.

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.

However, below are typical costs and fees depending on the high risk account we provide - direct or aggregated. Please note that you can accept all Visa and MasterCard debit and credit cards regardless of account provided..


European, Asian and US businesses providing standard high risk products or services such as web design, marketing, adult dating, white goods repair etc. then costs are typically 3 - 6% + 15p.

Direct Merchant (MID) Account FAQ's


For businesses selling cannabis seeds, highs and peptides etc. we must set you up with an EU or US aggregated solution - typical costs are 8- 15% + $1 with weekly settlement.

European and American aggregated solution FAQ's

With VISA actively closing very high risk accounts, we recommend our eCheck solution to accompany traditional 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

To sign up for the High-Risk Merchant Account and Gateway please complete the following online application form.

Apply 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.

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

Thawte Security
Data Protection Act 1998: Reg No. Z3544745
Anti-Money Laundering Registration No.12709698
PCI DSS Certified


Company Profile
Contacting Us
White Papers and Datasheets
Credit History and Checks
Why applications get declined
How It All Works
What is a Merchant Account?
What is a Payment Gateway?

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Low - Medium Risk Online Payments
Adult Merchant Account
High Risk Merchant Account
CBD and Hemp Oil Accounts
Vape, E-Cigarette and E-Juice Accounts
eCheck Payment Processing
Free Virtual Terminal

Credit Card Machines
Business Bank Accounts

Web-Merchant Services Limited © 1997 - 2019 | Company Registration No. 03919014
Web-Merchant Services Limited, Ground Floor Office Suite, Manor Farm, Bainton, East Yorkshire, YO25 9EF, United Kingdom

Fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). NCA Approved. Anti-Money Laundering No.12709698. GDPR Registration No. Z3544745
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