Good News. Bad News.

✅ Good News:

• You can still accept payments: Even if your business is labeled “high risk,” you can still process credit cards with the right provider.

• Specialized solutions are available: High-risk accounts often include built-in tools like fraud protection, chargeback management, and recurring billing options.

• Global reach: Many high-risk processors allow you to accept international payments and support multi-currency transactions.

• Scalable services: As your business grows, high-risk merchant services can scale with you, including support for eCommerce and subscription billing.

• Industry expertise: Providers that specialize in high-risk industries understand the unique challenges and offer more tailored support.

⚠️ Bad News:

• Higher fees: Expect to pay more in processing rates, chargeback fees, and monthly account fees due to your risk classification.

• More scrutiny: Underwriting and approval processes are stricter, and you may need to provide extensive documentation upfront.

• Rolling reserves: Some providers will withhold a percentage of your revenue (a reserve) to protect against future chargebacks or fraud.

• Fewer provider options: Not all processors support high-risk businesses, which limits your choices and negotiating power.

• Account stability can be fragile: If chargebacks spike or your business model changes, your account may be frozen or terminated.