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High Risk Merchant Accounts

A high-risk merchant account is a type of payment processing account designed for businesses that operate in industries with a higher likelihood of chargebacks, fraud, or regulatory scrutiny. These businesses may include sectors such as CBD, adult entertainment, telemarketing, subscription services, travel, or online gaming. Due to the elevated risk, payment processors impose stricter underwriting guidelines, higher processing fees, and may require rolling reserves to protect against potential losses. Despite the added requirements, high-risk merchant accounts enable these businesses to accept credit card payments reliably and securely while ensuring compliance with industry standards and fraud prevention protocols.

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THE NUMBER 1 SOLUTION FOR HIGH-RISK CREDIT CARD PROCESSING

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.

                   ACCEPTED LIST

Adult                                   Airlines & Booking
Auto Warranties                 Background Checks      Bad Credit                          Business Consulting      Business Opportunities      CBD Oil
Continuity Billing                Credit Education
Credit Monitoring               Dating
Debt Collections                Fantasy Sports
Firearms                            Gentleman’s Clubs
Health & Beauty                High Ticket Coaching
Male Enhancement           Memberships
Marketing                          Nutraceuticals
Pawn Shops                      Pay-Day Lenders
Skin & Hair Care               Subscription Boxes
Travel                                Vape & E-cig
Web Design & SEO          And More!

As experts in challenging and hard-to-place merchants applying for payment processing, Coastal Payment Systems will get your business pre-qualified and approved with a high-risk merchant account and the best banking solutions catered specifically to your business needs.

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CCStorage User Reviews

Janice

5 Stars

Verified reviewer

Facilities Services

Self-Employed

Used for less than 6 months

Reviewed March 2025

Best Transition to CCStorage!

Transitioning from a previous software company to CCStorage was a breeze with the ease of the software, support of the staff. My daily use of the software is both informative and supportive for our business. I do not have to hunt and search for the answers I need, my reports are readily available and the software is very customer friendly for our clients. That alone is a huge win to be able to engage clients in their account management.

Pros

Ease of use and flow of features throughout the software. If you have a question, the support section has the video to help you through the process.

Cons

I least like not having the ability to print reports into a PDF document, such as the payment detail list of what the clients have paid on particular dates. Having to export to Excel, format then print can be cumbersome when you are limited on time. At least having the option, of a PDF would be great!

Reasons for switching CCStorage

Yardi did not meet our needs with customer support, the software had multiple internal issues that when brought to their attention would always have to be taken to a higher team level and would never be resolved or I would never have any explanation of the out come. sometimes just hear it will be taken care of in the next update. ANY changes made to client information would not stay with the information ... example . change a phone number, print out a contact report, the old phone number will be there but the screen shows the new one. The client portal was extremely cumbersome and clients could not get into it easily.

Annette

5 Stars

Verified reviewer

Consumer Services

Self-Employed

Used for less than 6 months

Reviewed November 2024

Excellent choice

Excellence!! They worked with us to make our business needs met.

Pros

I like the passion and the "can do" attitude of the people at CCStorage. They are willing to listen to what my business needed and helped it all come together.

Cons

I was so new to the storage business, that I really didn't know what I needed. So I hesitated. There have been no cons

Reasons for choosing CCStorage

I need to keep things simple and functional. The couple of online overviews with Matt were very helpful and he spoke my language, remember, I'm new.

Tired Of Price Increases: Switch To CCStorage
Transparent Pricing - No Surprises

                                                          Your Cost                                   Your Tenants Cost

Pricing

Software Fees                                  FREE                                              FREE

Email & Phone Support                   FREE                                                  -

Card Price                                        FREE                                               3.99%

ACH Price                                        FREE                                               1.75%

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