A Guide to Payment Processing Solutions for High Risk Business Owners

June 19, 2023

payment processing solutions for high risk merchant accounts

Running a high risk business is hard, whether your business’s high risk merchant account is based upon inferior financials, or your likelihood of dealing with a high ratio of chargebacks. Sometimes trying to grow a company and seek out the right high risk merchant account can feel as though you have started off at a disadvantage.

You may feel like hard cash is your best (or only) option, but you need to understand that you are losing out in a huge way if you cannot offer credit card payment processing. Your high risk merchant account and your business as a whole can not afford to overlook such a huge portion of customers and potential sales.

It can prove to be complicated to find reputable payment processing solutions that are suitable for your business via a high risk merchant account that has low rates and your best interest in mind.

This is why we’ve put together a guide for you. Have a look at our steps to locating an ideal payment processing solution through a high risk merchant account:


Consider what a high risk merchant account offers and your business’s unique needs, such as the capability to process transactions or maybe the demand for heavy-duty security. High risk merchant account retailers don’t consider if a high risk merchant account provider can design a set of alternatives that cater to your individual needs. High risk merchant account services are not one size fits all. If you want to avoid costly (and downright perplexing) monthly statements, then you should have some idea of which payment processing solutions best suit your company.

Payment processing solutions come with a price. If your high risk merchant accounts depends on card-present terminals, for instance, you’ll be dealing with interchange and interchange plus rates per each transaction. Online payment processing solutions (or card-not-present) will have you dealing with fixed rates as there’s no card-present transaction involved.

If a high risk merchant account services provider doesn’t offer customized solutions for your business and focuses on package deals, be skeptical. You’re looking for payment processing solutions that optimize your customer support, which will inherently drive sales. Simply start a high risk merchant account that certainly include all the choices that work for you.


Payment processing pricing for high risk merchants are where things get messy, but it does not have to be. There are high risk merchant account suppliers who will insist on including all necessary costs to ensure your statements are streamlined. All-inclusive pricing plans for payment processing is ideal for businesses that need a high risk merchant account.


All-inclusive plans also come with an important attribute for every high risk merchant account – safety. Your payment processing provider will ensure that your revenue isn’t influenced whenever there’s a disputed chargeback.

As the owner of a business with a high risk merchant account, you must ensure that you’re not protected but compliant along with your payment processing solutions. In the event you decide card-present terminals are the way to go, by way of example, be sure that the payment processing provider you are working with is Payment Card Industry Data Security Standard (PCI DSS) compliant. If your business is found to be lacking in compliance, it may spell disaster for your company both fiscally and reputation-wise.

You have enough to worry about in regard to growing your company and protecting your  reputation. Your payment processing solutions through your high risk merchant account needs to be secure, affordable, and customized. For questions about a high risk merchant account or to fill out our free QuikQuote form.

June 19, 2023 | High Risk Merchant Account | Dustin