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Safe, secure and reliable payment processing since 1997

High Risk Merchant Account and Gateway

For over 20 years we have been helping high risk businesses accept card payments online. With our large acquiring network we consider most businesses around the World. And remember, we supply both the merchant account and gateway in a single solution.

We have solutions throughout the world (Asia, North America, Canada and Europe)

We will endeavour to find you the best value account with the most reliable support


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

Looking for an ADULT / SEXUAL CONTENT processing solution? learn more about our Euro direct MID solution>>>

Below are just some of the businesses we can help

Yes Cannabis / MMJ * Yes Replica Items Yes Binary Options Yes Herbal / Kratom / Salvia
Yes PPI Claims Yes Adult Businesses Yes Dating Yes Peptides
Yes Tobacco and Cigars Yes Debt Collection Yes E-Cigarettes Yes File Share

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

* Please note that for cannabis seeds we can only currently offer eCheck solutions

Not physically located in or trading out of the country you are incorporated?

With our high risk and adult accounts we can often accept shell companies (subject to application) as long as the UBO (Ultimate Business Owner) is not in a restricted country. Please note that in order to help certain business types a US incorporation is needed. However we have teamed up with a company that can provide US incorporation within a few days.

Therefore please let us know if this is something you need help with.

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

Merchant Account and Gateway Accept Visa and MasterCard + more
Multiple Currencies

Free Virtual Terminal

Seamless website integrations

Customer Relations Management

Deferred Processing (pre-auth)

Real-time transactions

Website Integrations

There are many different ways to integrate your website

Integrating the high risk merchant account & gateway

There are numerous ways to integrate your eCommerce website.

Plus many others...

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?

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 MID and the gateway

There are many factors that are taken into consideration to determine your fees - business type, country of incorporation, turnover etc. However we understand that every merchant is different, and costs cannot be determined until we learn more.

Below are typical costs and fees depending on the high risk account we provide - direct or aggregated


European, Asian and US businesses providing standard high risk products or services such as web design, marketing, adult dating, file share etc. then costs are typically 3 - 6% + 30p.

Direct Merchant (MID) Account FAQ's


Businesses selling cannabis seeds, herbal highs, spices and peptides etc. we must set you up with an EU or US aggregated solution - typical costs are 10% + $1 with weekly settlement.

European and American aggregated solution FAQ's

With VISA actively searching for and closing very high risk accounts, we also recommend our eCheck solution to accompany traditional online payment methods.

We 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.

What is a high risk merchant account?

A special type of merchant number - also know 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. The risk being predominantly the likelihood of Chargebacks and the risk of creating negative balance on an account.


* Subject to status and application. 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.

Learn more

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

High-risk account costs
How long does it take to set-up
FREE VPOS information
Customer Management Reporter
Integration Methods

Can you help Web-Merchant?

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...


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Merchant Account and Gateway
Online Payments
Adult Merchant Account
High Risk Merchant Account
Credit Card Machines
eCheck Payment Processing
Free Virtual Terminal

High Volume & Corporate Accounts

Secure application process, fast settlement, numerous free features, dedicated account manager and 24/7 support

Web-Merchant Services Limited © 1997 - 2018 - Company Registration No. 03919014

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