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High Risk Credit Card Processing Companies – If Assessing High Risk Merchant Accounts, You Should Read Through This Credit Card Processing Summary.

Whatever kind of business you run, you need reliable credit card processing at affordable rates. Unfortunately, there are actually hardly any dangerous processing account providers, and in many cases fewer that offer reliable high risk credit card processing services at affordable rates.

This is because the credit card processing industry is the lowest margin, high volume industry whose primary fear is the risk of chargebacks. Certain kinds of businesses use a historically high chargeback rate, and because bank card processing is certainly a small margin industry, merchant account companies have to paint using a broad brush, and customarily treat any business within a “high risk industry” as high-risk, whatever the individual businesses actual chargeback or regulatory risk. Consequently, if you’ve already requested a credit card merchant account for your personal business that operates within a high-risk category, it’s quite likely that you’ve been rejected by way of a traditional low risk credit card processing company. Thankfully, however, there are several good companies focusing on heavy risk merchant accounts.

Domestic and Offshore Options

MerchantNegotiators works together with a number of sponsor banks which provide both domestic and offshore high-risk merchant accounts. Our partners and sponsor banks can provide your small business with higher risk merchant services for domestic and international businesses.

Domestic High-Risk Merchant Card Account Requirements:

UK or US based company entity.

UK or US based company representative.

UK or US checking account

Business operations may be based globally, including in India

Offshore High-Risk Credit Card Merchant Account Requirements:

Minimum $15,000 USD a month in sales

Online or MOTO transactions only (no card present swipe)

Company could be based anywhere including India

No US or UK representative required

Pricing & Contract Terms

If you are searching for a dangerous merchant card account, the initial thing you’ll notice is there are significantly fewer options, and therefore those options vary from slightly pricey to expensive. If you’d love to better understand the options give us a call via email us today for any free consultation to go over the best options for establishing a processing account to your high-risk business. We’ll discuss these:

Pricing Available:

Discount Rates ranging from 1.95% to 12.00%

Authorization Rates including: $.20 to $1.00

Monthly Fees: Rates starting from $5.00 per month to $249.00 monthly

Other Contract Terms:

Rolling Reserve requirements starting from: % rolling reserve, to 25% rolling reserve

Holdback Periods: Requirements including 21 days, to 1 day.

Contract Length: Month to Month is available

No Application Fee

Direct funding with regular deposits (either daily or weekly based on offshore v. onshore)

Additional Benefits:

Through our partner’s sponsor banks, we can offer dangerous companies these additional benefits:

On-site expert underwriting

Instant approvals

Pricing Breakdowns: Overall Cheapest Pricing Quote Analysis

Multiple currency acceptance and deposits

Suitable for most major gateways and shopping carts

Visa / MasterCard / American Express Acceptance

MOTO (phone / mail), eCommerce, and swipe accepted.

Compatibility with more than 50 processing gateways

Integration assistance with over 100 shopping carts

Chargeback prevention & avoidance

Chargeback fighting

3DS processing

eCheck processing

Online Gateways with chargeback prevention / screening

Kinds of High-Risk Businesses Accepted:

MerchantNegotiators, through its partners, provides merchant accounts for a wide array of high-risk businesses. If you’re unsure whether your small business falls into a high-risk industry, it 81dexlpky be useful to first check out this list of high risk businesses from your high risk provider. On the whole, however, the category of heavy risk includes businesses that fulfill the following criteria:

Both startup businesses and existing businesses

Previously rejected or dropped by another processor

High chargeback or poor credit merchants

Merchants with long lead times before delivery or large tickets

Merchants who display on the TMF or Match List

Processing Minimums: $ Minimum for Domestic Accounts, $50,000 for Offshore Accounts

Domestic (US entity, US business representative, US checking account) and Offshore

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