Free quiz

Is Your Business High-Risk?

Answer 7 quick questions to see how payment processors are likely to view your business, what's driving it, and what to prepare before you apply.

1What does your business sell?
2How do customers pay?
3When do customers get what they paid for?
4How long have you been accepting cards?
5Any of these in your past?
6What's your average sale?
7Where are your customers?

High-risk FAQ

What makes a business high-risk?

Processors look at your industry, how you bill customers, how long after payment you deliver, your processing history, past chargebacks and where your customers are. Read more about high-risk merchant accounts.

Does high-risk mean I can't get approved?

No. It means you'll want a processor that specializes in your industry and a well-prepared application. Terms may include a rolling reserve, which you can model with the reserve calculator.

Is this quiz an approval decision?

No. It's a quick guide based on common underwriting factors. Every application is reviewed individually by a payments specialist.

What should I do next?

Gather your documents with the approval checklist, then apply in about 3 minutes.