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Best High Risk Merchant Accounts

Overall Rating:
User Reviews:

Accepts US, Euro & Offshore high-risk businesses, they offer great customer service, free equipment, integrated gateways, and chargeback avoidance technology. Fast approvals and accepts new businesses.

1.95% - 4.95%
  • US & Offshore
  • Accepts All Risks
  • Free Equipment
Special OfferGet 1 month FREE chargeback shield service. Mention code: CBFREE16. Claim Offer

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User Reviews:

One of the largest acquiring banks, they serve business ranging from small startups to some of the largest businesses in the world, including US high risk businesses with bad credit or bankruptcies.

1.99% - 4.95%
  • Accepts High-Risk
  • Accepts Offshore Accounts
  • Top eCommerce Integrations

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User Reviews:

Providing industry leading customer service, straightforward pricing, and no contracts, Netcom extends these benefits to mid-risk merchants, making them a top choice for a wide range of businesses.

2.25% - 4.95%
  • No Setup Fee
  • No Monthly Minimums
  • Month-To-Month

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User Reviews:

A company that boards over 90% of the high-risk businesses that apply, offers an easy and affordable solution for eCommerce, offshore, and other high-risk businesses (excluding adult).

0.35% - 3.65%
  • No Contract
  • No Cancellation Fees
  • Accepts New Non-Profits

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User Reviews:

The largest global credit card processor, accepts US and Canada based businesses, including high risk. With no setup fees, and aggressive pricing.

1.99% - 4.99%
  • Free Setup
  • Free Equipment
  • Month to Month

For More Information About High-Risk Processor Options or To Sign Up

Best High-Risk Merchant Services Options

No matter what type of business you run, you need reliable credit card processing at affordable rates. Unfortunately, there are not many high risk merchant account providers, and even fewer that offer reliable high-risk credit card processing at affordable rates.

This is because the credit card processing industry is a low margin, high volume industry whose primary fear is the risk of chargebacks. Certain categories of businesses have a historically high chargeback rate, and because credit card processing is such a low margin industry, merchant account companies are forced to paint with a broad brush, and generally treat any business in a “high risk industry” as high-risk, regardless of the individual businesses actual chargeback or regulatory risk. Consequently, if you’ve already applied for a merchant account for your business that operates in a high-risk category, it’s quite likely that you’ve been rejected by a traditional low risk credit card processing company. Thankfully, however, there are a few good companies that specialize in high risk merchant accounts.

Domestic and Offshore Options works with a number of sponsor banks that provide both domestic and offshore high risk merchant accounts. Our partners and sponsor banks can provide your business with high risk merchant services for domestic and international businesses.

Domestic High-Risk Merchant Account Requirements:

  • UK or US based company entity.
  • UK or US based company representative.
  • UK or US bank account
  • Business operations can be based globally, including in India

Offshore High-Risk Merchant Account Requirements:

  • Minimum $15,000 USD per month in sales
  • Online or MOTO transactions only (no card present swipe)
  • Company can be based anywhere including India
  • No US or UK representative required

Pricing & Contract Terms

If you are looking for a high risk merchant account, the first thing you’ll notice is that there are significantly fewer options, and that those options range from slightly pricey to very expensive. If you’d like to better understand your options contact us via email us today for a free consultation to discuss your best options for establishing a merchant account for your high risk business. We’ll discuss the following:

Pricing Available:

  • Discount Rates ranging from 1.95% to 12.00%
  • Authorization Rates ranging from: $0.20 to $1.00
  • Monthly Fees: Rates ranging from $5.00 per month to $249.00 per month

Other Contract Terms:

  • Rolling Reserve requirements ranging from: 0% rolling reserve, to 25% rolling reserve
  • Holdback Periods: Requirements ranging from 21 days, to 1 day.
  • Contract Length: Month to Month is available
  • No Application Fee
  • Direct funding with regular deposits (either daily or weekly depending on offshore v. onshore)

Additional Benefits:

Through our partner’s sponsor banks, we can offer high risk companies the following additional benefits:

  • In house expert underwriting
  • Instant approvals
  • Pricing Breakdowns: Overall Cheapest Pricing Quote Analysis
  • Multiple currency acceptance and deposits
  • Compatible with most major gateways and shopping carts
  • Visa / MasterCard / American Express Acceptance
  • MOTO (phone / mail), eCommerce, and swipe accepted.
  • Compatibility with over 50 processing gateways
  • Integration assistance with over 100 shopping carts
  • Chargeback prevention & avoidance
  • Chargeback fighting
  • 3DS processing
  • eCheck processing
  • Online Gateways with chargeback prevention / screening

Types of High-Risk Businesses Accepted:

MerchantNegotiators, through its partners, can provide merchant accounts for a wide array of high risk businesses. If you’re not sure whether your business falls into a high risk industry, it may be helpful to first look at this list of high risk businesses from a high risk provider. In general, however, the category of high risk includes businesses that meet the following criteria:

  • Both startup businesses and existing businesses
  • Previously rejected or dropped by another processor
  • High chargeback or bad credit merchants
  • Merchants with long lead times before delivery or large tickets
  • Merchants who appear on the TMF or Match List
  • Processing Minimums: $0 Minimum for Domestic Accounts, $50,000 for Offshore Accounts
  • Domestic (US entity, US business representative, US bank account) and Offshore

Accepted Business Categories

Gambling Through our partners, we can provide merchant services to a wide array of gambling related businesses. These include:

  • Fantasy Sports
  • Online Casinos
  • Online Gambling
  • Online Gaming
  • Online Poker

Software Through our partners we provide merchant services to a wide array of software companies. These include:

  • Downloadable Software
  • Educational Software
  • Mobile Apps

Card Not Present We provide merchant accounts for card not present merchants, also called MOTO merchants, in a variety of high-risk industries:

  • Astrology / Fortune Telling / Palm Reading
  • Business Consulting
  • Car Services
  • Contractors
  • Extended Warranties
  • Gun Parts
  • Magazine Subscriptions
  • Moving Companies
  • Parking Garages
  • Penny Auction
  • Peptides
  • Satellite TV Repair
  • Ticket Agencies
  • Website Design
  • SEO / Search Engine Optimization
  • SEM / Search Engine Marketing

Travel / Hospitality Our high-risk merchant accounts serve a number of travel related businesses:

  • Airline Tickets
  • Bus Charters
  • Hospitality
  • Timeshares / Vacation Pools
  • Travel Agencies / Travel Agents
  • Travel Visas

Legal / Law Firm Through our partners, we provide merchant accounts for a wide array of legal related businesses and law firms. These include:

  • Contingency / Plaintiffs Law Firms
  • Retainer / Hourly Defense Law Firms
  • Bankruptcy Law Firms
  • Debt Collection Law Firms

eCommerce / Online Through our partners, we provide merchant accounts for a wide array of online / e-Commerce businesses. These include:

  • Call Blocking
  • Continuity / Free Trial
  • Direct Response
  • E-Commerce Startups
  • Lottery Pools
  • Marketing-Advertising
  • Matrimonial Services
  • Membership Sites
  • Multilevel Marketing
  • Multimedia Streaming
  • PPI Claims
  • Scholarship Programs
  • Social Gaming
  • Tech Support
  • Telemarketing
  • Ticket Agencies / Brokers

Beauty / Wellness We provide merchant accounts for a wide array of beauty, health and wellness businesses. These include:

  • Beauty Products
  • Cannabidiol
  • Continuity / Free Trial
  • Health Club Memberships
  • Massage
  • Medical Marijuana
  • Telephone Sales / MOTO Pharmacies
  • Nutraceuticals / Non-FDA Health Products
  • Online Pharmacies
  • POS Pharmacies
  • Weight Loss

Adult We provide merchant accounts for a wide array of adult related businesses. These include:

  • Dating Websites / App Based Dating
  • Escort Services
  • Strip Clubs
  • Sex Toys / Adult Products
  • Adult Videos / DVDs
  • Adult Modeling

Retail We provide merchant accounts for a wide array of retail businesses in high risk industries. These include:

  • Jewelry (Cosmetic & Fine)
  • Pawn shops / Pawn Brokers
  • Auto Parts / Car Accessories
  • Home Furniture / Furniture Sales
  • Pet Supply
  • Storage Facilities
  • Wine / Liquor Sales

Financial Services We provide merchant accounts for a wide array of retail businesses in high risk industries. These include:

  • Binary Options
  • Bitcoins
  • Collection Agencies / Debt Collection
  • Credit Repair
  • Currency Exchange
  • Debt Consolidation
  • Financial Aid Counseling / Consulting
  • Financial Services
  • Forex Trading
  • Insurance Brokers
  • Payday Lenders
  • Medical Collections
  • Scholarship Programs
  • Stock Trading
  • Tax Services
Tobacco / Smoking We provide merchant accounts for a wide array of tobacco related businesses. These include:

  • Tobacco / Cigars Sales
  • eCigarette
  • Smoking Paraphernalia
  • Online Tobacco Sales

Contact Us To Obtain a High Risk Merchant Account

As a global leader in providing businesses in high risk industries with fast, convenient and affordable merchant account services,’s expert team can help you receive a merchant account for your business in as little as 24 hours. Contact us today at 1-877-296-3690 to discuss your company’s options for it’s credit card processing needs.

If you need high-risk merchant services, you’ll find that there aren’t a ton of options, and among those that exist, there are even fewer reputable processors. To that end, in this article we’ve listed what we consider to be the best high risk merchant account providers, as well as provided detailed high risk merchant account comparisons of the features offered and reviews of providers. If you still have questions, or need free advice on selecting the best high risk credit card processor for your business, contact us today at 1-877-296-3690.

For More Information About High-Risk Processor Options or To Sign Up

As seen in...

These Companies Have Saved Thousands by Using MerchantNegotiators:

Dr. Amber Pedlar
Dentist / Founder
Pedlar Dentistry

"We were uncomfortable signing the first contract that we got and wanted to compare different companies...

We were able to compare 3 different credit card [processing] companies. It took 10 minutes, we picked one, and were able to save $3,000 dollars."

Chris Pavlick
AllCo Global

"They will monitor contracts, offer low rates, offer you a choice of companies to deal with, and most importantly, they hooked us up with someone that appreciated and understood international transactions.

Therefore we are extremely pleased to have found"

Jimmy Atkinson
Co-Founder was able to secure cheaper rates than I was ever able to on my own.

I'm quick to recommend to any business owner that takes credit cards. It's fast, it's free, it's easy, and best of all it can actually save you money." is now offline.

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Much of our team has transitioned to join Soar Payments, a merchant account provider. If you need a mid or high risk merchant account consider, Soar Payments.

Soar Payments is the #1 industry leader for mid and high risk credit card processing, as reflected by their many satisfied customer reviews. Click here to read real life customer reviews for Soar Payments.

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