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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 category. They require high risk credit card processing solutions.
The PayKings Team can get you approved today for a low to high risk merchant account for B2B, eCommerce, or Retail at reduced rates and fees.

How do you know if your business has been categorized as a high risk merchant?

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Get Your High Risk Merchant Account Preapproved


We are the top ranking CBD payment processor for new and established businesses. Helping you get fast approvals for a sustainable CBD merchant account.

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We offer a range of adult merchant account solutions for many types of businesses. From adult toys to membership sites, we are your go-to adult credit card processor.

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If you’re looking for a vape merchant account, look no further. We are experts at getting fast approvals for vape payment processing accounts at competitive rates.

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Pawn Shops

Taking your sales from storefront to online requires a pawn shop merchant account. We have easily integrated payment gateways to upgrade your business fast.

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Credit Repair

Credit repair merchant accounts are essential for companies in the credit repair space. You provide credit solutions to customer and we’ll take care of the payment processing.

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Ecommerce Products

Selling any type of merchandise through an ecommerce store has its risks. If you have high chargebacks or a subscription billing model, we have the merchant account you need.

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High Risk Merchant Acccount

If you are an eCommerce high risk company, PayKings has got you covered. Get pre-approved in as little as 6 hours* for a difficult to obtain high risk merchant account. Our team of experts considers your 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.

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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
High Risk Credit Card Processing

High Risk Credit Card Processing

How do you know if your business has been categorized as needing high risk credit card processing? Well, the primary reason is other merchant accounts aren’t willing to take on the risk associated with your business. The acquiring bank or its representatives can close your account and hold funds, without notice, based on negative risk factors involved with your product or brand. Moreover, if you experience high levels of chargebacks or if your payment processor has dropped your account, you may need a high risk merchant account to start accepting credit card payments online.

High Risk Merchant Account Providers

Find the best high risk merchant account provider by knowing what to look for. Whether your ecommerce store is selling CBD oil, Adult Items, or Credit Repair Services, your merchant account should custom fit your business’s needs. With an integrated payment gateway that provides stable and scalable credit card processing, your site will be ready for new transactions.

High Risk Merchant Account Providers

CBD Merchant Account

CBD merchant accounts are critical for anyone who is running a new or existing business in this burgeoning field. With mainstream merchant account providers dropping accounts in this legally regulated industry, you’ll want to have a lasting solution so you can accept credit cards and sell CBD online. Certain regulations still apply, but high risk CBD accounts are custom designed to accept this unique product. Whether you’re selling edibles, flowers, or CBD for pets, we’ve got the payment processing solutions you need to grow your business.

High Risk Payment Processors

In your pursuit to find high risk payment processors, you’ll come across a number of different services and options. In order to find the best processor, you’ll want to be familiar with your business needs and capabilities. For example, you may need one who is willing to onboard an Adult business that was dropped by a major merchant, or a CBD company who is trying to find a sustainable solution. Payment processors like PayKings, learn your goals and work with you to get you approved with long term solutions.

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Instant Approval

Certain businesses and industries can get instant approval on their high risk merchant accounts. In most cases however, banks will want to review your processing history and sales volume on a case-by-case basis. Each business is different and has their unique needs. If you don’t qualify for instant approval, PayKings will work to get your application processed fast. The usual time between start of the application and final approval is five to ten business days. These times are consistent with most high risk merchant accounts.

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High Chargeback Merchant Account

Many businesses are categorized as high risk due to the number of chargebacks they have. High chargebacks occur when there is an inconsistency in your product or supply chain, or sometimes when customers try to take advantage of your service. In the case of friendly fraud, customers may file a chargeback after they received a product in order to keep both the item and payment. There are many reasons chargebacks occur; at Paykings, we work with our partners to reduce chargebacks and get you approved for a merchant account that is custom fit for your business needs.

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Merchant Account

Your merchant account allows you to accept online payments from customers using both credit and debit cards. Working in conjunction with a payment gateway, you will have the ability to grow your website sales with a high risk credit card processing account that is suited for your business.

Our team of underwriters takes the time to learn about your business and create a custom merchant account for your unique needs. We discuss the standard fees involved and the capabilities your account provides. Get approved fast and start processing electronic payments with your PayKings merchant account.

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Strategic Partners:

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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