High-risk merchant account
A high-risk merchant account is a payment processing account for businesses considered to be of high risk to the banks. As high-risk businesses are more prone to chargebacks, they come with the need for paying higher fees for merchant services.iPayTotal provides high-risk merchant account payment solutions for businesses and consumers around the globe.
Our highly experienced and educated team has more than a decade of experience within the industry. Our main aim is to safeguard our clients from fraudulent services and provide them with the solutions which mainstream banks refuse to provide. We offer these solutions in integrated packages that will seamlessly adapt to your company card payment requirements. We process for both low-risk and high-risk merchant accounts.
High-risk merchant accounts are a subset of services that allow businesses to accept card payments from customers. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors.
High-risk merchants face limited choices in processors, plus higher fees and stricter contracts. Being labeled as high-risk sounds bad. But in some scenarios, it can be your best option.
Our international connections with Acquiring Partners give us the edge to offer reliable credit, debit, and Echeck processing to almost every high-risk industry, no matter if you are located in the USA, Australia, Latin America, EU, or Africa. We have the capabilities of securing the right payment processor for your high-risk merchant account. Today, consumers expect to shop for your products or services online, therefore it is vital to offer a secure and efficient E-commerce experience, otherwise, you’re missing out on significant sales revenue. We understand your need to offer a hassle-free solution. We review your business details and select appropriate banking partners amongst our network of banking partners and regulated EU payment institutions. For no additional fee, we work closely with you throughout the application process.
Our goal is to have your account approved as soon as possible with the most competitive rates.
Typically within 5-8 days, your account will be approved. Integrate your website with a selected payment gateway or use a Virtual Terminal to accept credit card payments. Tailor-made packages includes an arrangement of a merchant account (MID) with one of our EU/UK or international banking partners, with an award-winning payment gateway service, reporting tools, integrated fraud-prevention, and free dedicated lifetime support. We bring transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals in high-risk merchant accounts suited to their needs – not just for now, but long-term.
At iPayTotal, we combine our technical skills with our simple, straightforward approach.
iPayTotal can assist you in creating your high-risk merchant account and guide you through banking underwriting procedures during the on-boarding process. Regardless of whether you require an account for your start-up, a subscription account, a pharmacy merchant account, a travel merchant account or set up an offshore merchant account, iPayTotal can efficiently help you secure with lowest rates for your high-risk businesses.
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