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What is a high risk merchant account?

A high risk merchant account is a payment processing account for merchants that are classified in a high risk services or products category by acquiring banks and the credit card brands.

The PayKings Team can get you approved today for low to high risk merchant accounts for B2B, eCommerce, or Retail at reduced rates and fees.

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Your No-Obligation QuikQuote™ request will be processed in less than 6 hours
Rates as Low as 1%*
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*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.

Get Your Merchant Account Preapproved

If you are an eCommerce high risk company, PayKings has got you covered. Get pre-approved in as little as 6 hours* for difficult to obtain high risk merchant accounts - our team of experts consider business type, business model, and restricted service or product types - all through PayKings high risk payment gateway and direct network of 20+ banks and PSP's.

See how quick and easy it is to get pre-approved today for high risk merchant account rates as low as 2.49%** by filling out our QuikQuote™ form.

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*Conditional pre-approval is subject to full documentation requirements being met at the time of application.
**Approved merchant accounts at 2.49% pricing applies to qualified merchants. Mid-qualified and non-qualified rates can be higher.
Vape Merchant Account


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Adult Merchant Account


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Firearms Merchant Account


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Dating Merchant Account


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Travel Merchant Account


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Collections Merchant Account

Debt Collections

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Pawn Shop Merchant Account

Pawn Shops

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CBD Merchant Account


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Our Merchant Account Services


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Seamless integrations from our payment gateway directly to your website makes accepting debit and credit cards online easier than ever. With the PayKings payment gateway, you can expect a PCI DSS Level I white label platform with robust capabilities to help you connect in the digital payment processing world.


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Whether you’re a restaurant, bar, hotel, or retail store, PayKings terminals for retail credit card processing solutions allow merchants to offer flexible methods of payments at the point-of-sale. Terminals that accept card-present transactions mean more security and fewer chargebacks for our merchants.


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The PayKings team provides mobile SDK solutions for eCommerce merchants selling goods and services through mobile apps. All that is needed to accept a mobile credit card purchase is a mobile device, a credit card reader to validate credit cards, and a mobile payment processing account with PayKings.


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As experts in eCommerce merchant services, we’ll get your business ready to accept eCommerce credit card payments with customized eCommerce payments solutions. We’re the leading authority in providing eCommerce merchant services and eCommerce credit card processing solutions for virtually any industry.


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Credit card chargebacks occur when a customer disputes a charge on their credit card to the issuing bank and not to the retailer from whom they purchased goods or services. Keeping your chargeback ratio low ensures maintaining good standing with your high risk merchant account.


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Credit card fraud is a wide-ranging term for theft and fraud dedicated involving a payment card as a deceptive source of funds in a trade. Fraud is a big cause of credit card chargebacks, perhaps to get goods without paying, or to get unauthorized funds from an account. Credit card fraud is also an adjunct to identity theft.


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Merchants who need low or high risk eCommerce processing will also need a good way to eliminate credit card processing costs, and lower overall high risk merchant account fees. With our SurchargePro program, eCommerce merchants can save virtually 100% of their credit card processing costs. Our compliant and integrated program is easy to set up.


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If your company is considered high risk, it can seem impossible to find a payment processing company that will take you. The reality is, getting high risk merchant account solutions for your business is not as difficult as seems. The important thing is to choose a company that specializes in providing payment processing to high risk businesses.

Offshore Merchant Account Services

Our Offshore Merchant Account Services fill the gap with Multi-Currency acceptance, Cross-Border Acquiring, and placement of Non-Traditional Merchants

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About High Risk Merchant Accounts

High Risk Payment Gateway

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. Our high risk payment gateway makes high risk credit card processing safer and more secure with integrated fraud solutions to prevent chargebacks.

High Risk Merchant Account

How do you know if your business has been categorized as needing a high risk merchant account and what merchant account the right one for your business? Well, the primary reason for seeking out a merchant account for high risk businesses is to avoid having your merchant account being shut down. The acquiring bank or its representatives can close your account and hold funds, without notice, based on negative risk factors and performance.

High Risk Merchant Account Providers

Businesses that are considered high risk have to know who the right payment processors are, and those high risk merchant account providers that are willing to meet your business needs and provide you with stable credit card processing. Most of the acquiring banks we work thru are willing to accept the liability for the increased risk associated with those businesses that are categorized as a high risk.

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