49% to 3. ”. But you don’t have to worry as eMerchant Authority has a. Most Merchant account providers use specific criteria to categorize accounts as high-risk or low-risk merchant accounts. 3) Industry is considered low-risk, such as retail. Banks won’t onboard any business category that poses a high financial and reputational risk. Here’s our list of the best merchant. - $99 account setup fee, 3 year. In the world of merchants, the ability to process credit card transactions is vital to the survival of your business. For instance, one of the disadvantages is the fact that it might take longer to obtain one than it would in the case of a low-risk merchant account. And with evidence showing that 75% of eCommerce businesses saw an increase in fraud attempts in 2021, it’s more important than ever to understand high-risk transactions, as. Merchant accounts for high-risk businesses are more dangerous for banking systems to operate with. Getting approved for a high risk merchant account. A merchant account scam is designed to be appealing to new merchants and startups, especially high risk merchants. There are two main types of merchant accounts: a general purpose and a specialized merchant account. If you end up with one of the 99%+ “Low Risk” Merchant Account Providers, they will handle your account the same way PayPal or Stripe would — approve the accounts quickly and close it quickly. In order to process those credit card transactions though, you need a low risk merchant account with an acquiring bank. Square: Best Merchant Services For Low-Volume Businesses. This gives many merchants the opportunity to fix problems from previous processing partnerships and work towards a low-risk merchant account. Here's a rough guideline to help you differentiate between a high risk and low risk business. Our selection criteria evaluate cost, transparency, contract requirements, and features. On top of that, there is a $500 cancellation fee. When payment processors consider approval, the decision must go through their bank, which may or may not deal in high risk industries. Prior applying for a merchant account, you must know if your business comes under low-risk. Since high risk businesses are more likely to experience chargebacks, they have to pay higher fees for the merchant services. For a high-risk merchant account instant approval, it is preferable to go for a service provider like PayCly which specializes in high-risk companies. It should be mentioned that there are low-risk merchant accounts that can permit all the . There are no application or setup fees when signing up for an account. Payment Gateway & Merchant Accounts. The reason is simple: Everyone in the payment chain (except for the customer) loses money in a chargeback. Some examples of low risk industries for credit card processing include: Retail: Physical stores that sell tangible goods, such as clothing or. Keep reading to learn more about high-risk merchant accounts, how you may have become high-risk, and how to become low-risk by getting off the MATCH List. So these are some differences between low and high-risk merchant accounts that you should know: Low-Risk Merchant Account. They will provide the best rates for services, plus they will offer more lenient terms for services. To get a merchant account, one must submit an application with a merchant account provider. e. That is probably the most unpopular pricing model, but it’s hard to avoid. A high-risk merchant account is a business that a credit card processor is more likely to lose money on. A high-risk merchant account is a type of business bank account set up by a payment processor that allows merchants to accept credit and debit cards for their business, even though they have been. account, so you can focus on the best processing options that match System used to track merchants in order to manage risk. The Best Merchant Account Services. However, the company specializes in serving the high-risk community, accepting a very wide variety of industries that ordinarily struggle to get approved for credit card processing. Corepay understands that digital payments are intrinsically tied to the success of eCommerce businesses. A high-risk merchant account has the same features and functionality as a traditional, low-risk merchant account. Have you been facing trouble for keeping a merchant account or for being approved for your business because you have been labeled “high risk”, you may also have other options. High-risk merchant accounts typically have higher processing fees to compensate for the risk the payment processor takes on while working with the account. PaymentCloud: Best Approval Odds. This makes the POS systems used absolutely critical. MATCH List. Low-risk merchant accounts tend to enjoy more privileges, such as lower processing fees for every transaction and the ability to negotiate for more favorable pricing and contract terms. Though, most of the process functions similarly to applying for a merchant account with good credit. This can rage anywhere from 5-20%. It supports businesses of all sizes, offering both standard flat-rate and interchange plus pricing. 7 billion in 2018 and are expected to reach $40 billion by 2023. The company guarantees the lowest rates and prides itself on. If you’re in need of an affordable credit card processing solution for your business, Instabill has specialized in providing high risk merchant accounts to e-commerce businesses since 2001, and can help you find a solution that. It’s nearly impossible for an eCommerce business to survive without accepting credit or debit cards in today’s time. You already have a merchant account and only need the NMI gateway. The funds from customer payments need to go somewhere with the business name on it. 05 per transaction. The phrase high-risk is a scary prefix for most business owners seeking a merchant account. Applying for Your Merchant Account. Your average ticket size is significantly less than $50. 1. Higher risk accounts may have to implement more stringent verification processes or pay higher transaction rates in order to accept payments. Stax: Best for Larger Businesses 2. The company’s EPD Gateway is its primary product, with merchant accounts provided through partnerships with numerous major US and international processors and banks. Generally, high-risk business owners can expect credit card processing rates of 0. Obtaining an adult merchant account can be hard if banks consider your business high risk. It is the acquirer’s responsibility to monitor a merchant’s compliance and ensure thatIn contrast, low-risk businesses tend to have lower credit risk and fraud risk, which makes it easier to get financing. Here at Shark Processing, our sole focus is securing low-cost,. While low-risk merchant accounts are typically short term (sometimes even month to month), high-risk merchant accounts often run between three to five years and feature automatic renewal clauses and early termination fees. Payment processors will categorize your company as low risk when: Your company brings in less than $20,000 per month. PaymentCloud: Best overall. If you’re considered a “low risk” merchant, that’s good news! You can expect to have significantly more choices of merchant account providers than your “high risk” peers. To understand low risk merchant accounts, you’d probably see that the qualifying factors are the polar opposite to what constitutes a high risk merchant. The increased financial risk can make financial institutions hesitant to work with your high-ticket business. Low-risk merchant accounts are best suited for businesses with low transaction volumes or large up-front investments. Payment processors that offer high-risk merchant accounts understand the unique challenges faced by high-risk merchants, such as an increased likelihood of chargebacks or fraud. They may have a less stable financial environment by. A high-risk merchant account is a type of business account offered by a payment processor or a bank, designed specifically for businesses deemed “high-risk. 95%. It is best to find a high-risk processor who understands the needs of businesses with bad credit. Excessive chargebacks are a prime reason why merchants are denied payment processing services. High-Risk Merchant Accounts. Definition: Low-risk merchant accounts are typically associated with businesses operating in industries that have a lower likelihood of chargebacks, fraud, or legal complications. Are You a High Risk or Low Risk Account Merchant? Before you can begin researching merchant services providers, you need to ask yourself a few questions about the. These risks could range from a high likelihood of chargebacks and fraud to legal. Ultimately, a high-risk ACH account. To open, a business needs an EIN and valid business license. High risk merchant accounts come with higher transaction fees, stricter underwriting requirements, rolling reserves, and limited processing options. Now that you know more about merchant accounts, let’s take a closer look at the difference between high-risk and low-risk merchants. Payment Depot: Best for High-Volume Businesses 3. The main difference between a high-risk merchant account and a low-risk merchant account is that the former operates in scenarios that are deemed to be extremely risky as outlined above. No monthly minimum (low-risk accounts) Interchange + 0. A high-risk merchant account is a label your payment processor has given your business. unique tool that allows you to efficiently process payments online. Friendly Client Support. Founded in 2012, Easy Pay Direct competes with some of the older merchant account providers available. Low-Risk Merchant Account There are a few differences between a low-risk merchant and a high-risk merchant in the eyes of a payment processor. All according to this analysis your application is either. Best for online and international sellers: Durango Merchant Services. A merchant account may be classified as low-risk due to one or more of the following factors: If the average monthly transaction volume is less than $20,000. It is possible for the bank to place a rolling reserve. National Processing: Best for an all-around processor. 3. And just as the name suggests, a low-risk merchant is a merchant business that carries a significantly lesser amount of risk. your business’s features. Bad Credit Payment processors and the financial institutions that back them typically check the business owner’s credit when reviewing a merchant account application. As one of the most trusted merchant account providers available, Payment Cloud has serviced hundreds of popular high-risk merchants. Durango Merchant Services: Best for eCommerce merchants. Low-Risk Merchant Definition. Low-risk merchant account. Ultimately, this results in downtime while they resolve the issue. Soar Payments, by contrast, has. - Provides full service merchant accounts for high risk and non-high risk merchants. However, you can also use the EPD Gateway with. A high-risk merchant account is a merchant account created by a payment processor and assigned to a high-risk business. In addition to the features and services already mentioned as part of the high-risk merchant accounts, 5 Star Processing also offers the following notable features. A merchant account is a specific type of bank account that allows merchants to accept payments. A low-risk merchant account, among other things, usually has these characteristics: They accept only one type of currency. The company specializes in merchant accounts for high-risk businesses. Low risk merchants are not usually required to set aside a reserve fund unless they have a low credit score. You can expect to. However, ProMerchant’s pricing is considerably lower than Clover’s. Although obtaining such an account can be difficult and has disadvantages, it can provide a lifeline for such businesses. In 2021, consumers paid for 70 percent of their purchases with a credit or debit card. At Corepay, we specialize in high-risk merchants who have difficulty finding payment processing because of their given industry/risk. What Is A High-Risk Merchant Account? A payment service provider can make the determination if a business is a high risk if they have a higher than. When can you apply for a bad credit merchant account?Everyone can send an application, whether low or high-risk; however, the process might differ. Electronic money processing. 95%. Low-Risk Merchant: High-Risk Merchant: Average monthly sales volume: Less than $20,000: Over $20,000: Average credit card transaction:. - Accepts wide variety of high risk industries. However, these two accounts vary. You’ll likely pay higher in merchant account and payment processing fees. The underwriting process for high-risk credit card accounts is more stringent than for low-risk accounts. These businesses are often rejected by standard merchant accounts because of the risk to banks. WebPays has high-risk merchant account solutions for nearly any high-risk merchant. high risk merchant accounts is the amount of fees. . There is a solution for every legal business. 25/keyed-in transaction (volume discounts available) Best all-around virtual terminal. Worldwide vaping sales reached $15. A high-risk merchant is a type of merchant that a merchant account service provider and a merchant acquiring bank consider high-risk due to the company’s history of payments or the nature of business activities that can cause financial losses. net is a payment gateway company that provides payment processing options for businesses, especially small and independently-owned businesses. If you own a high-risk businesses you are susceptible to chargebacks. CorePay. As long as you only sell legal products and services, Corepay can probably accommodate your business. The primary differences include the following: High-risk merchant accounts usually require a much more extensive underwriting process before the account can be approved and you can begin accepting credit/debit card payments Corepay is a newly established merchant account provider that accepts both low-risk and high-risk merchants. 95% per transaction on average plus a $0. Additional fees: Additional fees include PCI compliance, account setup, statement generation, and customer support. High-risk merchant accounts support online payments worldwide, which could increase revenue and growth. While low-risk retail and ecommerce merchants can pay as low as $10 per month, high-risk merchants should expect to pay an average of $25–$45 monthly. Host Merchant Services: Best for large high-risk businesses. 2. Our team of expert advisors is on call 24/7 to help you get set up with. Third, there is one more benefit, this one less obvious. Read our Review. ”. The following are additional requirements of low-risk merchants: Credit card transactions are usually $500 or less. Painless can help get you approved for your High or Low Risk Merchant Account. Usually offers tiered pricing to bad credit merchants. A high-risk merchant account is a specially designed payment solution that enables businesses in high-risk industries to accept card and electronic payments. High Risk Pay distinguishes itself as a pivotal player for businesses in need of merchant accounts tailored to high-risk profiles. 30% + 10¢ per online and in-person transaction versus Clover’s 2. Their payment page is hosted by the payment. Shark Processing LLC offers high-risk merchant accounts and payment processing services. GoCardless Last editedDec 2021 — 2 min read Table of contents Merchant accounts explained What is a high-risk merchant account? What is a low-risk merchant? In. One of the biggest differences between low risk vs. Get a free card. Based in France, Corepay has recently expanded its reach to the US. Powerful POS System Strategies with Mony Zenou. Customers add products and enter their payment details to pay for their orders. Payline — Best for businesses looking for affordable interchange rates and who use Visa and Mastercard. High-Risk Merchant Services. Certificate of incorporation. Best low risk merchant account services for low risk business from AMSLV. Definition of Low Risk Merchant. When you call or email, you’ll always speak with our friendly, in-house client support team. Treati. A high-risk merchant account has never been easier to attain thanks to Payment Savvy. High-Risk Merchant Account vs. The average rates for setting up a low risk merchant accounts start from around one hundred and fifty US dollars. The business or the owner has a bad financial history. Merchant account Visa, MasterCard, American Express for low-risk businesses is a. What is a low-risk merchant account? For merchants with low volumes of transactions and average sales under $500, the benefit is a reduced processing fee. : Best for low. Application: The business applies for a high-risk merchant account with a specialized payment processor that specializes in high-risk businesses. Reason being, merchants in our payment processing world come under low-risk, medium-risk, and high-risk categories. Our picks for the best free merchant accounts include Square, Chase, Stripe, PayPal, and more. Businesses classified as low-risk typically operate. Low-risk merchant: High-risk merchant: Average monthly sales volume: less than $20,000: over $20,000: Average credit card transaction: less. In the world of merchants, the ability to process. However, you can also use the EPD. If the average ticket is less than $500. Affordable high-risk rates starting at a blended 2. HighRiskPay. High-Risk vs. Albeit new to the industry, CorePay has effectively worked with countless merchants by providing polished merchant account services that put safety, security, and efficiency. Dharma’s processing rate for high-risk businesses is interchange rate + 1. In general, you are likely to receive approval for a traditional merchant account if your industry, products or services, sales methods, location, and customers present little risk to the acquirer or processor. Your fees are contingent on several factors, such as the merchant’s processing history, type of industry (high or low risk) and/or projected sales volume. io’s list of merchant services includes: Full-service merchant accounts;Low risk merchant accounts are merchants running their business with minimal to no chargebacks and have a solid financial history. Industry is considered low risk e. National ACH specializes in offering high-risk merchant accounts to process ACH, e-checks, debit cards, and credit cards. High-Risk Payment Processor Requirements. gateways guarantee safe work with bank cards when paying through a website on the Internet. ) When evaluating a high-risk business, merchant service providers must review the merchant application, conduct a thorough risk assessment, and check the business owner’s credit score. 3) Moto merchant accounts. They will need a high-risk merchant account because the credit repair industry presents several risks: (1) clients and their financial history (2) chargebacks, and (3) legality. Cybersecurity is the practice of protecting computer systems, business accounts, networks, and sensitive information from unauthorized access, theft, damage,. In most cases, a high-risk merchant account can be approved within 3 to 10 business days of a complete application packet being submitted to underwriting. This special registration fee is only required for businesses in high-risk industries. Easy Pay Direct: - Primary product is proprietary EPD gateway. To get a high-risk merchant account, you need to go through several stages: 1. 1. Other examples of high-risk businesses include bail bonds, electronics, and credit repair companies. For example, ecommerce brands can expect to pay 4% per transaction while dating sites are looking at 6% and IT support 10%. When it comes to credit card payment processing, you might have difficulty getting approved for a high-risk merchant account depending on what vertical you fall in — but it can also be due to a history of fraud, a low credit score, or a high ratio of chargebacks. The main difference between high-risk and low-risk merchant accounts is the financial risk associated with each. Initially, you are required to pay the initial setup cost whether you are a high-risk merchant or a low-risk merchant. High-Risk Merchant Account vs Low-Risk Merchant Account. Supporting all the most well-known sectors in the adult entertainment industry — except escort services — Payment Cloud’s features are specifically tailored to meet the needs of web-based adult entertainment. SMB Global provides a merchant account to high-risk businesses. Advantages and Limitations of Stripe as a Merchant Account Provider. First of all, it’s important to understand the difference between being a low-risk and a high-risk merchant. YOUR HIGH-RISK MERCHANT PROVIDER. The best merchant account for small businesses depends on your specific circumstances. Our low-risk merchant accounts are perfect for nearly any industry, including: Convenience Stores; Specialty Retailers; Low-Risk E-commerce; Clothing Boutiques;. This high-risk processor will help you set up electronic payment options for. With a European merchant account, you’ll have access to a growing market and more customers. The more chargebacks that come with a business, the higher the risk. Stripe. You’ll be thoroughly vetted prior to approval, though, which can take some time. With a CBD payment processor that fits your. Differences Between High Risk vs. g. On the other hand, high-risk merchant accounts deal with high-risk items like cannabis, tobacco, firearms, airplane tickets, virtual currencies, and pharmaceuticals. g. If you own a business, you understand the value of having a dependable payment processing solution. Low Risk Merchant Account. Laundering payments through a low-risk merchant account allows maximum proceeds while avoiding regulatory limitations. A high-risk merchant account can have a rolling reserve feature to protect against chargebacks or fraud. Just use the form above, and we will email you the quick set-up procedure right away. Obtaining a merchant account with bad credit requires multiple steps. In the United Kingdom, it is roughly 3. Interchange + 0. The business is in a low risk industry. It nullifies the challenge and struggle of choosing the right high-risk merchant account or the right PSP. Easy Pay Direct is a payment gateway and merchant account provider that serves a wide variety of high-risk and low-risk industries. Join the Durango Merchant Services affiliate program and earn residual commission on every account you refer! Good things are meant to be shared. General indicators of low-risk merchants include those that have individual credit card transactions averaging less than $500 and process $20,000 or less. Although obtaining such an account can be difficult and has disadvantages, it can provide a lifeline for such businesses. Why Do I Need A High Risk Merchant Account If you operate a business in a high-risk industry, obtaining a high-risk merchant account is an essential step in being able to accept credit card. When it comes to low risk merchant accounts, typically the reoccurring monthly fees are low or minimal, but that is not the case with a high risk credit card processing merchant account. These businesses often operate in industries that, for various reasons, carry a higher level of risk. PaymentCloud: Best for High-Risk Businesses 5. PaymentCloud is a merchant services provider. This includes the merchant, the credit card company, and the bank that issues and finances the card. Low Risk Merchant Accounts Finding the right credit card processing and merchant account provider is critical, yet challenging, for any business. 541611 - Administrative Management and General Management Consulting Services. eMerchant Authority’s Online Gaming Merchant Options. The industry is low-risk; Transactions are less than $20,000 per. It can also include. These merchant accounts generally have higher chances of fraud and chargebacks. A high-risk merchant account means payment processors and card networks view the company as being more likely to default on its payments, suffer high levels of chargebacks, or even commit fraud. 10 per transaction (low-risk accounts) Processing rates vary by the acquiring bank/back-end processor (high-risk accounts). io is a newly-established merchant account provider that caters to both high-risk and low-risk US merchants. , subscription payment models, gambling sites). Transaction processing rates are notably higher than the company’s low-risk rates, but the lack of account fees makes it a great alternative to getting a traditional high-risk merchant account. % + $0. Where such a high-risk account is involved, banks tend to be hostile, and such industries are almost completely barred from opening accounts. Low-Risk Merchant Accounts. A high-risk merchant account is a type of business bank account set up by a payment processor that allows merchants to accept credit and debit cards for their. Before reaching merchant services, Recognize some circumstances: Should be looking which payment type preferred by customers. The E-COMMERCE BROKER company helps to register a merchant account for Visa, MasterCard, American Express, and for a number of other. Low-risk accounts usually benefit from lower prices because they demand less work from payment processors. 3. Low-Risk Merchant Definition. Higher transaction fees: Transaction fees for high risk merchant accounts are not cheap. High risk merchant account fees. Since you open a. 9% fee plus $0. Many companies consider this to be having a merchant account. As high-risk merchant accounts tend not to have as competitive terms as low-risk, we considered factors like a breadth of features, ease and cost of sign-up, and contract terms. When your business has been labeled a high-risk merchant account, you will almost always pay higher. 05%-0. Payment processors will categorize your company as low risk when: Your company brings in less than $20,000 per month. Low-Risk; High-Risk; ACH; Application; About;. in-person; 2. 25 transaction fee. Due to its great track record with high-risk. Low risk industries are generally those that have a low incidence of fraud and chargebacks, and as a result, they typically pay lower processing fees and have fewer restrictions on their accounts. This ecommerce store transacts through a virtual terminal and payment gateway. Fortunately, we offer an easier and cheaper way here to accept card payments online. A high-risk merchant account is a specific type of payment processing account that is required for certain businesses. However, standard and high-risk offshore merchant accounts that want to take advantage of the global e-commerce sector can use worldwide international. “ Market share of cash, credit cards. In contrast to the application process for a low-risk merchant account, getting a high-risk merchant account can be more challenging because banking institutions prefer to offer low-risk customer. To qualify for low risk. This is why eMerchant offers same-day approval for low-risk merchant accounts. Get Accepted for a merchant account via our easy online application with the leader in merchant accounts for. Here are the major differences between low risk and high risk merchant accounts. With an emphasis on personal attention and customized solutions for “bricks-and-clicks” companies (i. net Gateway. It would be best if you didn’t overpay for services you do not use. The company’s EPD Gateway is its primary product, with merchant accounts provided through partnerships with numerous major US and international processors and banks. In Summary: The 6 Best Virtual Terminals For Small Business. For example, if you’re a business owner with a bad credit score, and you went through several unsuccessful attempts, you still have a chance to accept credit card payments, but you have to find the. This high level of chargebacks means merchant account processing will require more work, resulting in higher fees to cover these expenses. We make High Risk Easy. During this five-year period, you cannot use your low-risk merchant account. Low-risk merchant accounts are designed for businesses that have a consistent volume of sales, low returns/chargebacks, and are in well-established industries. A low-risk merchant may need to meet many requirements; however, the most important are: low revenue, few transactions, and low chargebacks and returns. 5 Ways To Improve Your Chances Of Getting A High-Risk Merchant Account For. The merchant account provider will likely approve your application if your business history and transaction type make you a low-risk option. Why Some Businesses Need a High-Risk Merchant Account to Use an Authorize. A merchant account is a particular type of bank account that business owners must establish in order to accept payments. Low Risk Merchant Accounts Finding the right credit card processing and merchant account provider is critical, yet challenging, for any business. We have over two decades of high-risk credit card processing experience and understand what it takes for high-risk merchants. A low volume of transactions, just under $20,000 each month. Riskier companies may still be approved, but with. We specialize in providing merchant account and high-risk merchant accounts. Still, high risk merchants have different requirements than low or standard risk merchants. Since account providers consider high-volume merchant accounts to be at higher risk, you will pay more for your credit card processing. You have zero to low chargeback ratio. These industries. A low-risk merchant account needs to meet many requirements, including a smaller number of transactions, low chargebacks, and low revenue. The processing costs for all transactions will often be higher than those charged by low-risk merchant accounts. Durango Merchant Services: Best for highest-risk businesses. All businesses need merchant accounts in order to accept credit and debit card transactions. Working with the low-risk business is more secure, as the low-risk merchant account is safer in terms of chargebacks, potential fraud events, business credit history, and so on. Processors may charge different fees, require different reserves, may vary the terms and conditions, or have different application processes depending on the risk category. The benefits of having a high-risk merchant accountAuthorize. , Canada, Japan, Australia and the countries in. Merchant One: Best for Flexible Pricing Clover: Best for POS Stax: Best for Subscription Pricing ProMerchant: Best for High-Risk Businesses Payment Depot: Best for High Transaction Volume Square Merchant Services: Best for Startups Helcim : Best All-in-One Platform National Processing: Best. However, high-risk nonprofits may still be able to get the ETF waived. Low-risk business is easy to deal with for acquiring banks, and so a low-risk merchant account usually requires fewer fees, and a simpler setup. As traditional merchant accounts support low- and mid-risk business operations, businesses operating in high-risk industries will. It provides high risk businesses with the necessary tools to navigate today’s eCommerce. SMB Global Overview. Low-risk merchant account. Longer approval times are almost always due to delays while underwriters wait for additional information from the business owner. High-Risk vs. You may suffer sudden account termination in case of a slip-up. Moonlight Payments stands out as a dedicated payment processing provider for high-risk merchants and specialized industries. Low-Risk Merchant Accounts. : Best for global payment processing. Processes less than $20,000 monthly. 30 transaction processing fee. Low-risk rates, as low as $99 per month and $. 10 processing fee per transaction (exclusive of any fees charged by your merchant account)The most obvious downside to needing high-risk merchant accounts is the higher rates. ccNetPay – Best for a simple pricing structure and EU transactions. Flagship Merchant Services: Best. We accept most legal high-risk merchants industries. Simply keep in mind that we determine our rates based on your monthly processing volume as well as your individual business’s risk factor, but our rates can start as low as 6. High-risk businesses are those that are considered to be a higher risk for chargebacks or fraud. Ultimately, this results in downtime while they resolve the issue. A low-risk term will be PCI-compliant and will ensure all data it stores and uses is kept private and works in the right hands. Our payment gateway services give you access to information regarding your merchant account solutions. Interchange + 0. High-risk businesses are charged greater processing fees than low-risk enterprises to determine the interchange cost they will pay. Our merchant accounts are perfect for you to accept debit and credit cards payments for your low risk businesses. High-risk merchant accounts exist for enterprises that cannot get approval for a traditional or low merchant account. Meanwhile, businesses with low or moderate risk are less likely to be targeted for cancellations and other types of deception. What Is a High-Risk Merchant. High-Risk VS Low-Risk Merchant AccountsLow-Risk Merchant Accounts. Best for online and international sellers: Durango Merchant Services. The merchant account provider will approve your application if you fall into its low-risk category. As such, the primary factors that matter with a high-risk merchant account are processing history and industry reputation. Merchant account fees. 6% plus 10¢ per transaction. Other examples of high-risk businesses include bail bonds, electronics, and credit repair companies. They range from $10 to $50 for most companies.