High-Risk Merchant Account

What makes a business high-risk

Banks and processors label a business high-risk when they expect more chargebacks, fraud or legal complexity than average. Common reasons include:

• The industry, such as CBD, nutraceuticals, travel or subscriptions
• Delivering goods or services long after payment
• Recurring billing or free-trial offers
• A short business history or no processing history
• Past high chargebacks or a MATCH listing
• High transaction amounts or international sales

Not sure where you fall? Take the 1-minute high-risk quiz.

What's different about a high-risk account

Expect more detailed underwriting, more documents, and terms that can include a rolling reserve or higher rates than a standard account. In return, you get a processor that understands your industry, which helps you avoid sudden account freezes.

How to prepare

Use the high-risk approval checklist to gather your documents and get your website ready, and see the industries we work with.