High-Risk Merchant Accounts Made Easy
The dreaded “high-risk” term is pretty broad and could be confusing to business owners who don’t understand all the technicalities. In simple terms, banks will consider businesses and or business owners a high-risk based on owner's personal credit history or a specific industry the business is in. Below is a comprehensive list of "high-risk" industries. In most we can get you approved and set up with VERY competitive rates if you're running a business in one of these industries.
Adult Content -Online |
Adult Stores – Retail |
Adult Toys – Online |
Advertising |
Advice on Sporting Events |
Air Charters |
Annual Memberships |
Applicant with Active Bankruptcy |
Astrology / Psychic (Keyed) |
Astrology / Psychic (Swiped) |
Average Ticket over $3,000 |
Bail Bonds |
Bankruptcy Attorneys |
Business Opportunity |
Canada (CNP) |
Canada (Retail) |
Casinos |
Catering |
CBD Oil/CBD Products |
Charter Yachts |
Check Cashing (Retail) |
Cigars (MOTO/Internet) |
Collections (3rd Party) |
Collections (own the debt) |
Computer Sales |
Contingent Liability/Delivery over 60 days |
Continuity Merchants |
Continuity Merchants (trial) |
Credit Education |
Credit Repair |
Crowd Funding |
Cruise Lines |
Cryptocurrency |
Currency Exhanges |
Custom Services/Products |
Dating/Match Making Services |
Debt/Tax Relief |
Discount Medical Clubs |
Discount Membership Clubs |
Discount Travel Clubs |
Downloadable Software |
E-Cigarettes – Online |
E-Cigarettes – Retail |
Electronics |
ESTA / Immigration / Visa Passport Services |
Escort |
Extended Warranty |
Fantasy Sports (no payouts) |
Fine Jewelry Sales(Online) |
Firearm / Weapon Sales Online |
Firearm / Weapon Sales Retail |
Freight Forwarding |
Furniture Sales (custom orders) |
Furniture Sales (MOTO/Internet) |
Gambling (no US cards) |
EU/International Gaming |
Golf Equipment (MOTO/Internet) |
Hair Loss Products |
Health Clubs |
Hemp Based Products |
Import/Export Businesses |
Insurance Brokers |
Interior Decorators |
Lead Generation |
Liquor/Wine Sales (MOTO/Internet) |
Loan Installment |
Magazine Subscriptions |
Male Enhancement (recurring) |
Male Enhancement (one time billing) |
Mail Order Coins |
Medical Marijuana Dispensary(MMJ) |
MLM |
Mobile Apps |
New Herbal Supplements |
Non-Profit Organization |
Nutra (Straight) |
Online Pharmacies |
Pawnshops |
Pay Day Lenders / PDL (CNP) |
Pay Day Lenders / PDL (Retail) |
Payment Facilitators |
Pet Supplies |
Phone Sex |
Pre-paid Phone Cards |
Precious Metals Sales (Internet) |
Puerto Rican Merchants (Retail/CNP) |
Remote IT / Tech Support (U.S.) |
Retail Business in Canada |
Seminars |
Social Gaming |
Special Trade Contractors/Home Improvement |
Sports Memorabilia |
Stop Smoking Aids |
Strip Clubs |
Student Loan Doc Prep |
Ticket Agencies/Brokers |
Time Share/Vacation/Rental Properties |
Title Loan Stores |
Tobacco Sales (MOTO/Internet) |
Tours |
Travel Bookings (Air, Cruise, Hotel, etc.) |
Travel Cruise Lines |
Travel Agencies |
Travel Membership Clubs |
Travel Certificates |
U.S. Virgin Islands Merchants (Retail/CNP) |
Virtual Auction Houses |
Webhosting/Design |
Weight Loss Products |
Have an existing account with high rates or want to explore available options for high-risk merchant account? Give us a call or send us a message to discuss your needs and available options