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What You Should Know About High Risk Merchant Account In 2023?

high risk merchant

Are you dealing with high-risk business? If yes, then you must have heard about the very popular and long-running High Risk Merchant account If not, then you are in for a real treat!

High-Risk Pay is a merchant account provider that offers services to companies in high-risk industries or those with a history of financial difficulties. Regardless of previous credit history or industry, the organization specializes in offering offshore and high-risk merchant accounts.

Keep reading this article till the end to learn more about this company…

High Risk Merchant Account Highriskpay.Com Overview

NameHigh Risk Pay
IndustryAccounting, Financial Services
Founded2 April, 1997
Company TypePrivate
Operating StatusActive
HeadquartersGreater Los Angeles Area, West Coast, Western US
Phone Number800-956-1277

What Is High Risk Merchant Highriskpay.Com?

What Is High Risk Merchant Highriskpay.Com?

Since 1997, High-Risk Pay has experienced some of the fastest growth in the credit card sector. High-risk merchant accounts are one of our areas of expertise. Their goal is “to satisfy customers and be a dependable provider.

They connect to merchant accounts with a trusted credit card processing solution through our processing banks using a wide-ranging national network. Their reasonable costs make it easier for our customers to keep a thriving business going. They offer live customer assistance that is accessible 24/7, which is why they are so well-liked.

High-Risk Pay’s nationwide network connects merchant accounts to processing banks via a secure credit card processing solution. Low rates make it easy for merchants to run a smooth business while providing card payment convenience to customers.

A High Risk Pay merchant typically processes high-volume credit card transactions ( can be for sporting event or even concert tickets), retail, offshore accounts, or less common credit payment methods like mail or telephone orders.

What Is A High Risk Merchant Account?

What Is A High Risk Merchant Account

In spite of having been classified as a high-risk business by a previous processor or payment service provider, a high-risk merchant account is a form of a business bank account set up by a payment processor that enables merchants to accept credit and debit cards for their business.

The word “high-risk merchant account” is a term that the majority of business owners will never come across. Unless their company has already been marked as such. When you first hear about it, it could seem like a fairly direct criticism of your company or your entrepreneurship skills.

High Risk Pay, on the other hand, is here to reassure you that’s not the case. Rarely does a “high-risk” designation for a company arise from anything personal. It’s all extremely quantitative in fact, and it has nothing to do with how you run your company.

Any business, whether online or offline, that sells goods in a specialized market is considered a high-risk merchant. This group includes niche verticals like travel agencies, adult retailers, dating services, SaaS suppliers, gun dealers, and more.

Who Needs To Use High Risk Pay?

Who Needs To Use High Risk Pay?

Do you have a large volume of business or work in a high-risk field? If so, assistance processing credit card payments is needed. A variety of businesses can get high-risk merchant accounts from us. Because of our expertise in this area, we may deal with firms who have offshore or international interests, have owners with poor credit, or face any other obstacle that stops them from accepting credit cards.

You can create a high-risk merchant account on After approval, you can accept credit card payments in 48 hours. They are aware of how crucial it is for companies, particularly risky ones, to take credit card payments from clients. Simply said, it is a matter of course.

Industries Related To High Risk Merchant Highriskpay.Com

If you want to know what are the types of industries that use this platform I am here to help you out! Take a look at this look to know better:

  • Adult Merchant Account
  • Debt Collection Merchant Account
  • Bad Credit Merchant Account
  • Continuity Subscription Merchant Account
  • CBD Merchant Account
  • Credit Repair Merchant Account
  • E-commerce Merchant Account
  • Dating App Merchant Account
  • Firearm Merchant Account
  • Online Pharmacy Merchant Account
  • MLM Merchant Account
  • High Volume Merchant Account
  • Tickets brokers Merchant Account
  • Tech Support Merchant Account
  • Startups Merchant Account
  • Travel Merchant Account
  • Nutraceutical Merchant Account
  • Sportsbook Merchant Account
  • Nonprofits Merchant Account
  • Dropshipping Merchant Account

What Is The Expertise?

What Is The Expertise

While it is true that provides the user with a lot of things, it is time that I tell you about their expertise. Here are some of the thing that you need to know about:

1. ACH Processing

Automated Clearing House, or ACH, is one of the best features or expertise of as they ensure the smooth process of electronic check processing. Businesses in high-risk industries should pay particular attention to the value offered by ACH processing.

2. Instant Approval

One of the best things that make High Risk Pay so popular is the fact that it approves the application almost instantly.

3. Chargeback Prevention Program

With the help of, you can reduce the chargebacks by nearly 86%. They provide immediate alerts whenever the cardholders file a dispute against the merchants. This is also a great way to reduce fraud and scams as well as recover lost sales.

High Risk Merchant Account Highriskpay.Com Pricing

Now that you know almost everything that you need to know about high risk merchant, it is time for you to learn about the pricing of the same. So, how much does it cost? What is the fee?

If this is something that you are searching for, then you have found a friend in me. Take a look at this chart to learn more and to get a better idea:

TypeTransaction FeeLowest RateMonthly Fee
Retail Good Credit (Card Swipe)$0.251.79%$9.95
Retail Bad Credit (Card Swipe)$0.252.49%$9.95
InternetGood Credit$0.252.19%$9.95
InternetBad Credit$0.252.95%$9.95
Mail / Phone OrderGood Credit$0.252.19%$9.95
Mail / Phone OrderBad Credit$0.252.95%$9.95
High Risk$0.252.95%$9.95
Adult Merchant$0.502.95%$9.95

Benefits Of A High Risk Merchant Highriskpay.Com Account

Benefits Of A High Risk Merchant Highriskpay.Com Account is familiar with its customers’ credit histories. Since they know they will probably be given an account, merchants can disclose their financial difficulties. After all, boasts an approval rate of 99 percent.

In comparison to an aggregator, they are also less likely to freeze an account. Aggregators are in the business of doing strange transactions for their clients, even though they allow an algorithm to decide when to close accounts due to “unusual” behavior.

While processing credit cards is a requirement for all organizations, High Risk Pay focuses on high-risk industries. They assist owners who struggle to obtain services due to poor credit scores. They provide chargeback avoidance, quick approval, and no setup fees.

Alternatives To High Risk Merchant Highriskpay.Com!

High Risk Merchant Highriskpay.Com Alternatives

There are plenty of service providers that understand your circumstances and offer services specifically for high-risk merchants. If you have used high risk merchant and have not been satisfied, then I have the best thing for you— their alternatives!

Here are some of the best high-risk merchant account service providers willing to cater to your needs:

  • Soar Payments
  • Durango Merchant Services
  • PaymentCloud
  • SMB Global
  • Host Merchant Services

Wrapping It Up!  

In case you have been searching about high risk merchant account, I hope that this article has been of sufficient help to you. If there are any other queries related to the same, feel free to let me know. All that you need to do is scroll down till you reach the bottom of the page, Then leave your comments in the box below. And I will be there to answer them all for you!

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Ankita Tripathy

Ankita Tripathy loves to write about food and the Hallyu Wave in particular. During her free time, she enjoys looking at the sky or reading books while sipping a cup of hot coffee. Her favourite niches are food, music, lifestyle, travel, and Korean Pop music and drama.

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2 reply



July 22, 2023 at 12:46 pm

good article Reply


Subham Saha

August 4, 2023 at 4:13 pm

Thanks for your valuable feedback. Please stay tuned for the upcoming posts... Reply