Why High Risk Merchant Accounts?

Some businesses MAY be classified as high risk for a number of reasons. High Risk Processing provides merchant services for high-risk merchant accounts, offshore merchant accounts and high-volume merchant accounts (examples of high risk merchants include mail order, telephone order, direct marketing, infomercials, dating sites, travel, telecom, timeshares, subscription services, membership services, membership clubs, tickets, MLM, multi-level marketing, bail bonds, pawn shops, water filtration, high volume merchant accounts, international merchant accounts, companies facing high chargebacks, etc.)

Banks often perceive many e-commerce businesses worldwide as high risk since the customer is not present to sign the credit card receipt.  Enhanced restrictions are sometimes then imposed on the merchant that ultimately leads the business owner to search for a high risk merchant account. The following trading practices lead many/most banks to categorise businesses as high risk:

Accepting card payments over telephonehigh risk credit card payment processing

Accepting card payments over Internet

Free trial offers, then recurring billing

High price points (average over $500)

High volume of Internet sales

Seasonal/sporadic online sales

Selling to International customers

Hosting the credit card payment page

Foreign currency processing

New web based applicants

Offshore company

Start-up Internet business

Merchant with a high refund rate

Business owner requesting anonymity

Delivery terms and conditions

‘TMF’ past closed merchant account


Our Testimonials

All of our suppliers must be: available, accurate, and offer good value to our corporation. We now are 32 locations strong and are expanding rapidly every other month. Our credit and debit card services has been with 1st National Processing for 4 1/2 years now. We are very satisfied with the professionalism of the staff and their comprehensive customer service.

John Elisha, Vice President
Trimana Goodies Deli
We make signs all over town and switching to 1st National from another processor has allowed us to save money every month and improve our service by accepting debit cards, upgrade our terminals and run our online store via their ecommerce options. We recommend them to your for Processing and more.

Chris Nalbadian, President
Sign Zone Inc.