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.
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
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.
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.
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>>>
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
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.
* 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
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
Please note that
as part of the application we will need to see your company
website. Read more on
to process payments over the phone?
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.
and easy to use screens
2048 bit encryption systems
browser based terminal
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
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.
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
OWNED BY YOU
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.
(MID) Account FAQ's
AGGREGATED THIRD PARTY ACCOUNT
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.
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
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.