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Did they tell you that you’re deemed a “high-risk merchant? Luckily there are plenty of high risk merchant account providers that specialize in exactly what you need.I’ve only reviewed a handful of them on my site, but they do exist (i.e.It all depends on their risk department (underwriting) guidelines.If the guidelines are strict, then you won’t get approved. 🙁High risk merchants have to make do with crappier terms and higher rates. When you’re caught between a rock and a hard place, you don’t have much room to negotiate.If the guidelines are relaxed, then you’ll have yourself a merchant account. Furthermore, if the provider you apply to specializes in high risk merchant services, then you’ve already won the battle. BUT, keep in mind that there are some providers that don’t specialize in high risk, but still have relaxed guidelines (i.e. A word of caution…Don’t skimp on reviewing the details of your contract. There are a number of reasons why a provider would consider your business as high risk. As I mentioned above, some providers are more risk averse than others.For every 1 ethical and reliable high risk processor, there are about 325 unethical ones that are just waiting to take advantage of you. Most high risk processors want some sort of reserve so they can cover their own behind should you close up shop, get a crazy amount of chargebacks or commit some sort of fraud. Maybe your industry is known for having a high instance of chargebacks or fraud. They don’t want to deal with any business that may pose a bigger threat of losing them money, so they avoid those business types altogether.Have any questions related to credit card processing? I need a recommendation for a merchant who works with high risk companies.Even though I have excellent credit, 0 debt, and I have good savings, I got turned down by stripe because they say my type of business, healing/coaching is high risk.

You can add your art to the site, Durango wont mind, but you should know that high risk merchant accounts are more costly than traditional ones, so it may be more cost effective for you to go with Paypal. We are selling replica sneakers online and it’s very hard to get a payment processor for this with not much documents required.

I was dropped from current processor even after that.

Are there any processors out there who that would consider me?

Many thanks in advance for your educated recommendation Hi Preston, We haven’t had the best experiences with Payment Cloud.

I’d recommend that you check out some of our preferred high-risk providers.

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