net, give you access to information regarding your new account. PayOp. We provide speedy and efficient credit card, debit card and ACH payment processing. Durango Merchant Services is different. Not all merchant services providers require a merchant account. BankCard USA has offered high-risk merchant accounts since 1993. Here is a detailed list of merchant. A high volume merchant account is a merchant account specifically tailored to meet the needs of businesses that experience significant credit card transaction volumes that exceed most provider’s. Normally, you'll be charged a fixed monthly fee (usually between £25 and £75 per month) and then fees on top of every payment you take (which typically range from 1. #1 PaymentCloud Strong Reputation For Fast Approvals. Merchant services should support your business, not drain it. High -risk traders accounts highriskpay. [2] Citcon. Interchange + 0. (888) 846-8901 info@attorneygl. Thankfully, various high risk merchant account providers in usa specialize in serving companies outside the traditional lending criteria. High risk transaction fees for EU or UK businesses start from 2. net features and costs, see this chart from Dharma. Inquiries after business hours will be addressed the next business day. 322 Encinitas Boulevard, Suite 200 Encinitas, CA 92024. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, gift and loyalty. In thisView our rankings of the best high risk merchant account providers for collection agencies. A 2016 consumer survey showed that 40% of the 1,000 respondents approve of credit cards as the safest payment method. Fast and reliable funding approval. Merchant account fees. Edition: United States. We suggest 4 popular payment providers that cover high risk merchants: 1. Host Merchant Services is a Newark, Delaware-based merchant account provider that is able to provide merchant accounts for a large number of high risk business types. The best virtual terminals in the UK come from Worldpay, Opayo, PayPal, SumUp, Square, PayVector, and Web-Merchant Services. The top processors are determined based on competitive rates, etc. Zero or low chargeback ratio. But high-risk businesses may be tied to long-term contracts (2-3 years). 3. Then, EMB provides merchant account services tailored to these specific business needs. Internet. Durango Merchant Services experts will help to guide you through the requirements and options with the primary goal of providing options for approval. 2) What is A High Risk Business. So, don't waste time applying with the wrong provider. ProMerchant’s rates are 0. Online gaming companies must have a high risk gaming merchant account in order to accept card payments but maintaining a merchant account comes with a price. Get started today! Give us a call at 1-866-303-2558. We provide High Risk Payment Gateway in USA A company do come in category of high risk if: – It operates within a high-risk industry Presence of risk of financial failure Both the above factors might affect the company’s. Click any of the links above to begin comparing costs on merchant account services for your own business's. A high-volume merchant account is a merchant account that is specifically geared towards merchants who have a higher than normal volume. Getting a high-risk or offshore merchant account doesn’t have to be a hassle when you work with Payline Data. Clover: Best for POS. #1 PaymentCloud Top Merchant Service for Terminated Merchant Files. 0% + $0. With their advanced technology and expertise, businesses in high-risk industries can easily manage their transactions while reducing financial risks. Traditional merchant account providers will often end up canceling the accounts of a high-risk business or not approving them in the first place. Guide You. Read our Review. For some, this is because Shopify Payments is unavailable in their country. EMB is voted the #1 high risk merchant account provider in the US and has an A+ rating with the BBB. Starts at $0/month for unlimited devices and locations. 1. NH03801, USA; EU Registered Address: Instabill Limited, 19 Giovanni Curmi Street, Lija, Malta [email. Best for online and international sellers: Durango Merchant Services. Here are the best credit repair merchant accounts from providers like Soar Payments, Host Merchant Services, PayKings. partnerwith a reliable merchant services provider that can offer you rates that save you and your customers money. This represents a whopping 29% of all online businesses in the U. A quality merchant account provider will work with high-risk merchants to manage liabilities and process payments without penalties. The Terminated Merchant File, better known as the TMF list or MATCHlist (Member Alert To Control High risk), is akin to a ‘detention’ of sorts for merchants. The merchant account provider charges high-risk merchant accounts higher fees to cover chargebacks. Best one-stop shop: First Card Payments. Meaghan Brophy. Before opening a high-risk merchant account with some merchant services provider, make sure that it not only meets your current requirements, but also can help you grow in the future. A High-Risk Merchant Account is a type of merchant account primarily for businesses suspected to be high-risk for any reason. Leverage Zen Payments’ network of over 15 direct bank and processor relationships to find the best long-term home for your merchant account. Chat with us , powered by LiveChat Make sure that the merchant account provider can cater to your business as it grows. Its risk management and fraud protection tools are handmade for travel agencies, while its flexible merchant services packages are tailored to selling airline tickets, hotel. Thus, high-risk merchant account helps merchants considered high risk to accept debit and credit card transactions. net: Best for B2B transactions. February 19, 2023. Having a business means taking on risk and sometimes merchant account providers don’t want to take the ride with you. While the industry has operated without many regulations, the Federal Government has threatened to clamp down with online payments. Stax: Best for avoiding transaction fees. Paycron has an extensive network of providers for your business. Soar Payments: Best for High-Risk eCommerce Businesses. You may need a rolling reserve account with a cap of up to 50% of the average monthly volume. Currently, consumers’ most preferred payment methods are credit and debit cards. PayKings offers payment solutions to businesses in high risk industries, which means that as payment processing providers, our banks are willing to accept the liability for the increased risk associated with those businesses that are categorized as needing a high risk merchant account. High-risk merchant accounts may provide access to advanced fraud prevention and risk management tools to help mitigate potential fraudulent activities and reduce chargeback rates. (As as long as it doesn't contain more than 0. 5% + $0. Fraud occurs when someone makes a. Therefore, traditional payment processors classify these businesses as high risk based on criteria such as transaction size, industry, sales model. The five providers we’ve listed above are all great options for businesses of all sizes. The merchant account provider will approve your application if you fall into its low-risk category. However, for a high-risk merchant account, this could go up to 1. Home; Related News & Articles; Services. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. Chat with us , powered by LiveChatIf you can’t obtain a merchant processing account in the united states, check out these offshore merchant service providers: High-Risk Merchant Services: High-Risk Merchant Services offers custom solutions for cannabis businesses in terms of payment processing and chargeback management in domestic and offshore companies. Merchant reserves are meant to protect high risk merchant account providers from footing any surprise bills that the company incurs. Nov 3, 2023 | Payments. The Gun & Ammunition Stores industry is booming, boasting an impressive USD 20. In our evaluation, HMS scored a respectable 3. Authorize. The top processors are determined based on competitive rates, etc. Show Summary. An offshore merchant bank account is one established for eCommerce companies in a non-resident country. HRMA-LLC's High Risk Payment Gateway will conveniently integrate with your Shopify Store and bank approval should be a snap. Third is vaping and e-cigarettes. PCI/DSS is a high standard data encryption security that will allow you to transfer your money safely from one financial institution to other financial institution. Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable company that can provide both ACH and credit/debit card processing in a single package. Best High-Risk Merchant Account Providers for Small Businesses in 2021. Research high risk merchant account providers. You may be considered high-risk due to your processing history, which includes chargebacks. Payment Depot: Best overall. Using an online payment gateway for tech support is the fastest way for you to receive card processing payments to your merchant account. 1. High-risk merchant accounts: Chargeback911 works with merchants with any merchant category code or MCC, including those that fall under the high-risk categories. 87 out of 5, primarily for its low interchange fees. For example, a provider may have no problem with Adult, but not accept any other high risk. If your business operates in a high-risk industry such as gambling, travel, or pharmaceuticals, high-risk merchant account providers like Instabill and ccNetPay may be suitable. These are some of the high risk business that is. Our hardworking team is ready to help you right now. No fraud prevention: In our rubric, ChargebackHelp has the third-lowest score for fraud prevention—1 out of 5 (Chargeback Gurus has 0. 3. Stax: Best for Subscription Pricing. Chargeback protection. Stripe: Best overall international merchant account for small businesses. At High Risk Holdings, our team can get your merchant account approved today for B2B, eCommerce or Retail at reduced rates and fees. Merchants that process high transaction volumes or transaction amounts may be subject to a high-risk merchant account. The company offers a wide range of payment processing services, including virtual terminals, point-of-sale systems, and mobile payments, and can provide. Call Us Today (818)-825-7938 info@premieronepayments. These companies have established themselves as trusted suppliers of high-quality peptides and offer multiple payment methods, including credit cards and cryptocurrencies. 5% plus the interchange rate. Check out high risk merchant account providers in the USA. Moonlight Payments Overview. 196E Campden Hill Road London, W8 7TH. National Processing offers different plans based on whether you’re accepting payments in-person or online, and it promises $500 if it can’t beat high-volume ($10,000 or more in monthly sales. Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high-risk business types. We can help you set up a payment gateway and merchant account that will work for your business type. A subsidiary of Visa, Authorize. High-risk business or industry: Businesses and industries that MSPs view as having a higher chance of failing financially. e. Find out more about our gift card solution today at 1-800-530-2444. You don’t want to lose another sale all because your business doesn’t accept credit cards, and if you apply today, you will be able to receive a retail credit card terminal. Stripe: Best for international payments. At High Risk. We know what it takes for you to succeed. Fees for merchant services vary by provider, pricing model, and payment location and method. No application or setup fees. First, choose a high-risk payment processor that accepts your type of business. This is where high risk merchant account providers come into play. 5% + $0. It also offers a free payment processing account and a small ticket program for micro-businesses. For our round-up, in-person costs range from 1. Net. 75% plus 30 ¢ents per. Why Choose Us? We have the largest network of high risk banks in the industry, and growing! Our team has spent more than 20 years in the high-risk space formulating and strengthening our network of domestic and international banking partners to be able to provide diversified solutions suitable for nearly every type of high-risk merchant account. For more information about our merchant accounts, call us toll-free at 1-800-318-2713. Authorize. If you’ve also faced challenges setting up Nutraceutical -friendly credit card processing for your business, we. With reliable customer service and a user-friendly platform, your merchant services provider becomes a partner. How to open a high-risk merchant account: 8-step guide. Accessible: Instabill offers a direct line to your personal merchant account manager: 1-800-530-2444. To accept such payments, a business has to have a valid merchant account. Credibly is a finance organization that offers a merchant cash loan of approximately $400,000 through a simple online application procedure. in-person; 2. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash. We understand the unique challenges of your business and can provide you with the right merchant account that will meet all your needs. This article explores the ins and outs of high risk merchant accounts in the USA, shedding light on how they function, why they are necessary, and how to choose the right one for your business. Like most high-risk merchant account providers, PaymentCloud does not disclose pricing information online. SMB Global, based in West Jordan, Utah, is a high risk merchant accounts provider specializing in supporting ultra-high risk businesses such as adult, gambling, offshore businesses, debt collection, and CBD. Luckily, Instabill takes on the responsibility. The best small business merchant services accept all common credit cards, including Visa, Mastercard, and American Express. See more about High Risk Merchant processing With approval turnaround time. Contract Many payment processors offer month-to-month contracts with no termination fees. By offering a range of payment gateway services, NMI helps merchants offer secure and simple. Bank Account opening services in offshore jurisdictions and Onshore jurisdictions based on clients` requirement for both personal bank account and corporate bank account. . Learn more about high risk payments. Stax is a great option for established small businesses with high annual revenues. A merchant account is a particular type of bank account that business owners must establish in order to accept payments. PaymentCloud Top Rated Merchant Service for Authorize. Depending on your industry, we have multiple payment processing solutions, including high-risk credit card processing and high-risk ACH processing. net, give you access to information regarding your new account. Merchant account providers are the most traditional type of merchant service provider. Before selecting a high-risk merchant account provider, make sure to perform adequate research about providers who have histories. Providers assess risk based on criteria such as processing payments in multiple currencies, high transaction volumes, subscription billing models, or operating. If you’re interested in high risk payment processing, consider turning to EMB, the #1 high risk processor in the US. Payment Depot: Best for High Transaction Volume. 2. EmerchantBroker has been voted the #1 high-risk processor for Forex merchant accounts in the USA and provides merchants with highly secure, convenient Forex accounts. With a 98% approval rate, we take pride in being able to accept almost every business type, regardless of risk level. Boasting 92% Excellent ratings over 64 reviews on Trustpilot, ProMerchant is one of the best-rated merchant services that supports brick-and-mortar retail stores, eCommerce businesses, restaurants, as well as numerous high-risk industries. Typical examples of merchant account service providers that utilise ISO merchant accounts include Lloyds Bank, Worldpay and HSBC Bank. Square: Best overall. The MATCH list is a blacklist that prevents merchants with excessive chargebacks and high-risk accounts from opening an account with another credit card processor. Helcim : Best for invoicing Paysafe : Best for businesses in high-risk industries PayPal : Best for digital payments Merchant One : Best for companie with less. To lower risk, the merchant account provider may seek address verification. net is a payment gateway company that provides payment processing options for businesses, especially small and independently-owned businesses. Moonlight Payments Overview. Payment processors dictate their relationship with merchants, so high-risk businesses may need to find merchant account providers that offer services to high-risk industries. No set up fees for most merchants. Supported industries: Firearms, vape shops, real estate, gambling. Alipay. 60 per transaction. An Independent Sales Organization, or ISO, is a specialized third-party company that sells and manages credit card processing services outside of a bank or other financial institution. With high risk merchant accounts, the bank may use risk management strategies like a rolling reserve, to protect the bank and the merchant from potential losses. . 9% this year. PayPal: Best for occasional sellers. All the above-mentioned. High Risk & Bad Credit. Next day funding. “7 Chargeback Statistics Merchants Need to Know. Go high level is an all in one marketing platform to help entrepreneurs, marketers, and agencies grow their businesses. For example, merchant sells nutraceuticals. “ Market share of cash, credit cards. A high-volume merchant account will allow you to have access to merchant processing services and online payment gateways. In Summary: 5 Best Bad Credit Merchant Account Providers. BankCard USA takes a different approach. The merchant account provider will approve your application if you fall into its low-risk category. These are the registration charges that are taken while making a contract with the merchant account. Our commitment to beating competitor rates, dedicated customer service, and thorough rate review. There. The Problems For High-Risk Merchants. Be prepared for a site inspection; this is often times required by high risk processors. For businesses that need a high-risk merchant account, make sure you consider PaymentCloud, or if you have a high volume of transactions, Payment Depot might be. While others that provide mid and high risk merchant accounts charge as much as $200 for an application or setup fee, Soar Payments does not charge any one-time setup or application fees for getting a merchant account through us. Payment Depot Merchant Services. WE APPROVE ALL HIGH RISK MERCHANTS: 1-800-type chat sites. There are certain providers which may generally avoid high risk merchants but have taken on one certain “niche category” like travel, gambling, CBD, adult or pharmacy. Instabill provides reliable, cost-effective merchant services that help e-commerce, retail and MOTO businesses succeed and thrive. The PayKings team has high risk merchant accounts for businesses with high risk payment processing volumes of $20,000-$100,000,000+ per month. A high risk merchant account is a payment processing account for high risk categorized businesses by the acquiring banks and the credit card companies. 5. PaymentCloud – Best for high-risk merchants. Looking for High Risk Merchant Account Providers in USA? Elmore Merchant Services provides High Risk Merchant Account in USA. Fast approval in 24-48 hours. ACH on Authorize. TheEcheck provides the best payment processing solutions specially designed to deal with high risk merchant account. While high-risk payment processors are generally offering the same types of services as regular processors, they often also include: Higher processing rates. To get a high-risk merchant account, you need to go through several stages: 1. net: Best for B2B transactions. As a high risk merchant account, finding a payment processor who will partner with you is tricky but not impossible. A good high risk merchant account provider should have relationships with multiple banks and know which banks fulfill your business needs best. Credibly Image source: Credibly. PaymentCloud: Best For eCommerce-Only Vape Shops. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. What is a High-Risk Merchant Account. clothes, shoes, kitchenware, food. The provider needs to be sure that products or services are delivered by the merchant to all clients in a timely manner so that all parties are satisfied. PayCly is a pioneer in online high-risk merchant account services in Singapore. Let’s say a customer wants to pay for a merchant’s products or services with a credit card. Host Merchant Services Top Rated for Kratom Merchant Accounts. com, high -risk traders accounts are needed by a business or high -risk website to refuse to pay. Get Accepted for a merchant account via our easy online application with the leader in merchant accounts for. You’ll pay $49 per month plus $0. Note that high-risk merchant accounts may still require these fees due to the much more extensive underwriting process required to get approved for a high-risk. Get an instant online quote for high risk merchant services. PaymentCloud does offer traditional merchant services in addition to high-risk account services. 3. Corepay. The statements will display how you collect funds from people. These providers. High Transaction Volume. PaymentCloud: Best for High-Risk Businesses 5. In essence, this is what is meant by a high risk merchant account - when the payment provider finds your business particularly risky for them. We are dedicated to giving the same priority and service to businesses considered high risk as to any client, meaning a typical approval for a merchant account can be done in as little as 48 hours or less. 4) Avoiding Set-Up Hassles. A merchant account is a type of bank account that allows an individual, business, or organization to accept debit and credit cards as a form of payment. Popular Countries:. Edition: United States. net: Best for fraud prevention. Merchant account service provider in the USA is PCI/DSS compliant it means that will ensure that the data processing is 100% safe and secure. The first step in applying for a merchant account with bad credit is to research providers that work with high-risk businesses. As an ISO partnering with top-tier high-risk banks and Payment Service Providers worldwide, we offer unparalleled expertise across various legal verticals in the United States and beyond. With Instabill, adult entertainment merchants can find the processing opportunities they need to run their business. , including those in the CBD industry. Our objective is to give customers the satisfaction and be a reliable provider. Gspay. Today, market pressures and competition from low-cost payment service providers (PSPs) have forced most reputable processors to eliminate these charges altogether. Securing funds is an essential part of any business’s operation. If your company doesn’t have a positive transaction history or it is too new to have developed one, you will encounter high charges from payment processing providers at best, but more. Headquartered in Durango, Colorado, Durango Merchant Services is a merchant account provider specializing in traditional and high risk merchant accounts for domestic and international businesses. Paycron offers flexible low, medium, and high-risk payment processing solutions with no restrictions. Currently, consumers’ most preferred payment methods are credit and debit cards. Instabill offers fast approvals and will guide you through each step of our merchant account application process. The list is a database of information about business, their owners, and the reasons and/or codes for why they were placed on a TMF. Unlike most high-risk merchant account providers, we offer competitive pricing for our payment processing solutions. , payment gateways specifically for. Since chargebacks and fraud account for more than $17 billion in losses for merchants each year, naturally, merchant account providers are exposed to this risk too. ACH Payment Processing; Merchant services first data;Our picks for the best free merchant accounts include Square, Chase, Stripe, PayPal, and more. Like most high-risk merchant account providers, PaymentCloud is not a direct processor. We work with both domestic US and international high-risk processing. At PayFasto, we’re aiming to provide truly global high-risk merchant account services, and we can assist you in obtaining a high-risk merchant accounts across Europe, the UK, North America, South America, and Asia. But, there’s no stress of account closure. Tier 2: Payment Depot’s most popular account tier, this plan caps at $75,000 in credit card volume per month. Most merchant account providers also offer payment processing. We approve bad credit merchant accounts within 24-48 hours and quick setup once approved. Offshore Gateways: In 2023, Offshore Gateways is poised to lead the way as the foremost provider of best merchant account services for high-risk businesses. They can assist with both online and offline payments and provide you with a range of options, including credit cards, check processing , and even digital methods like contactless payment or crypto. e. High Risk Pay is one of the fastest growing companies in the credit card industry since 1997. Some businesses may struggle to get approved for a merchant account from mainstream providers because they’re considered “high-risk”. Best for international merchants. Top 15 Industries where the Best High Risk Merchant Account provider can provide reliable and affordable payment processing services. EMB makes applying for a smoke shop merchant account quick, simple, and affordable. The top processors are determined based on competitive rates, etc. If you are in the nutraceuticals business, look for a merchant service provider that specializes in high-risk industries like SecureGlobalPay and can provide you with tailored solutions. National Processing offers different plans based on whether you’re accepting payments in-person or online, and it promises $500 if it can’t beat high-volume ($10,000 or more in monthly sales. On the list of such countries, you will generally find most countries outside of the United States, Canada, Japan, Australia,. Extreme Peptides, 3. Examine your turnover. until 6 p. There have been various types of advantages that companies render once they are termed as high-risk businesses. [1] NMI. With their services, you can accept payments via debit or credit cards, gift cards, or prepaid. ). Less flexibility than traditional processors. Durango: Best for International Businesses. View Website. High-Risk Merchant Types. A high-risk merchant account is a service that Payment Service Providers (PSPs) offer so that entities in fraud or chargeback-prone industries can accept card payments. Adult payment processing is high-risk credit card processing so it comes with different fees and fee requirements which vary by service. Online gaming is a big market that’s only continuing to grow, and more merchant account underwriters and banks are adapting their standards to accommodate it. E cigs provide many of the same effects of nicotine without creating smoke, rather emitting water vapor. 5) How High Risk Merchant Accounts are Managed. High risk merchant account providers offer a lifeline to industries that face difficulties in securing payment processing solutions. The funds collected from transactions (less. General characteristics of a low risk merchant account. GoCardless Review - January 10, 2023. Posted in high risk. Merchant Services Provider : High Risk Merchant Account & Payment Gateway⚡ Instant Approval Contact us ☎(800) 956-1277 The Best ACH Payment Processing of 2023. g. Host Merchant Services Top Pick for High Volume Credit Card Processing. Analysing price, real-time reporting, customer support, and ease of use, we researched and collated our top 7 best virtual terminals in the UK. Host Merchant Services. Offering businesses a full range of high risk merchant services and payment processing solutions: retail, eCommerce, mail order/telephone order, mobile, payment gateways, and checks. High-risk payment gateways, CRM integrations, virtual terminals, and credit card point-of-sale solutions are a few of our payment platforms. They are: In our expert evaluation, we found that the seven best international merchant accounts for 2023 are: Stripe: Best overall international merchant account for small businesses. m. They enable you to accept credit cards, debit cards, and electronic payments. Boasting 92% Excellent ratings over 64 reviews on Trustpilot, ProMerchant is one of the best-rated merchant services that supports brick-and-mortar retail stores, eCommerce businesses, restaurants, as well as numerous high-risk industries. +208-806-2953Fortunately Merchant Account Providers specialize in providing electronic payment options to any type of business across the board. Service providers offering High-Risk Merchant. [1] Statista. 6) Picking The Right High Risk Provider. Like traditional merchant accounts, it allows merchants to process credit cards, debit cards, and other payments from customers. Net payment gateway integrated with a high-risk merchant account specifically approved and underwritten for a specific product category or marketing method that most merchant account providers generally prohibit. These tools can include enhanced security measures, real-time transaction monitoring, and fraud detection systems. Exclusive Promo: PaymentCloud will give you $200 if. Long on experience: Instabill has been finding high risk merchant account. To discuss all of your domestic high-risk merchant. Qualities that Make a Good High-Risk Merchant Account Provider. It caters to e-commerce and card-not-present business types. To avoid the hefty fees and registration requirements, make sure. The Leading High-Risk / eCommerce Payment Provider. Call Blue Payment Agency INC at 844-253-9769 for payment gateway setups and. With an emphasis on personal attention and customized solutions for “bricks-and-clicks” companies (i. The top processors are determined based on competitive rates, etc. Let us handle your high risk merchant services today. We are one of the best high risk merchant service providers in U. It affects customer experiences, your finances, and more. 6% plus 10¢ per transaction. Merchant services should support your business, not drain it with excessive fees. Typical reasons for this label is that your account is considered to be at a higher risk of fraud, chargebacks, or a high number of returns. Your business will be set up for long-term success by accepting debit and credit cards. This adds unparalleled convenience and increases the likelihood of people donating. High-risk businesses are typically those that are new, have a history of credit problems, or operate in an industry that is considered controversial or. After approving the merchant account, the processor will monitor all activities for suspicious or risky behavior, and if any, contact the merchant for clarification. Businesses with one or more of the following features make them a high risk merchant business: The business has been black listed by credit card. If this is the case for your business, don’t be offended, it’s (probably) nothing personal. Businesses should expect to pay 2% over the cost of traditional merchant accounts, while also anticipating 18-month contracts. Funding and merchant accounts for adult, telemarketing, multi-level marketing and travel businesses. Chargeback Alerts. High risk merchant account s allow businesses that are considered high-risk, to process payments online. The difference, though, is in the rates the different providers offer. 2. This agreement allows a business to accept credit cards and debit cards, along with other forms of payment. Square Merchant Services: Best for Startups. Here are the best ACH processing companies, including providers like PaymentCloud, Stripe, and Durango Merchant. Cortana, Alexa, and Google. The best high-risk merchant account providers are: PaymentCloud: Best Overall. 20. For one thing, they. ” Some will, but at a steep price. High-risk merchants feel safe, covered, and cared for with a Seamless merchant account. They have had to use either direct providers, horizontal industry gateways that have been open to serving high-risk merchants and high-risk specific gateways (e. Processes less than $20,000 monthly. PaymentCloud is a leader in providing high-risk merchant accounts to meet the needs of businesses across various industries. Variable transaction fees. Here are just a few excellent high-risk merchant account providers to help you start your search off right: Focusing primarily on high-risk e-commerce businesses, eMerchantBroker claims they approve 99% of all account applications. High-risk merchant accounts differ from low-risk accounts in the following ways: Almost always a full-service merchant account (PSPs typically don’t accept high-risk businesses) Extensive underwriting process required before account approval; Might be underwritten by an offshore bank or processor; Typically require a long-term contract 3.