Capture more sales and increase profit margins with reliable payment processing solutions that help your business grow.

Types of High Risk Merchant Accounts

Banks consider certain business types as high risk merchant accounts. Statistically, these categories of merchants have higher incidences of chargeback and fraudulent transactions, increasing the risk for financial losses for acquiring banks.

Companies in any industry with rapid growth in payment processing volumes or high average tickets can also be classified as high risk merchants. Other factors in high risk merchant classification are: marketing and sales methods, product fulfilment or delivery times; targeted markets or geographic location of buyers; and recurring billing or membership sites.

High Risk Merchant Account Categories

High Volume High Risk Merchant Accounts

Rapidly expanding companies need to have enough payment processing to power growth. Offshore merchant accounts with unlimited payment processing volumes are helpful. Many high risk merchants establish more than one merchant account to diversify payment processing and mitigate risk. Multiple merchant accounts can be load balanced on a single payment processing gateway, which simplifies account management and reconciliation.

Digital Content, Downloads and Virtual Goods High Risk Merchant Accounts

Companies selling digital content, downloads, streaming media, and virtual goods are among the fastest growing segments of ecommerce. Social networks, online games, MMOG, music, video, new media, software, and interactive entertainment benefit from multiple payment options on a single platform allowing digital merchants to maximize sales and minimize risk.

Travel High Risk Merchant Accounts

Over 50% of all travel reservations are now made online. Travel and hospitality is the world's largest industry, with the World Travel and Tourism Council (WTTC), predicting revenues in excess of US$15 trillion by 2017. All segments of the travel industry can establish a high risk merchant account, including: transportation, hotel reservations; timeshare, membership clubs, vacation certificates; newsletters; travel agencies; tour operators and packages.

Adult Entertainment High Risk Merchant Accounts

The adult entertainment industry has long recognized high risk merchant accounts minimize risk and maximize business growth. International payment processors are happy to establish high risk merchant accounts for the adult entertainment industry. Reliable offshore merchant account processing is a popular choice for adult entertainment companies.

Infomercials and Direct Response High Risk Merchant Accounts

Fast growth is part of effective infomercials and direct response advertising. A successful product can quickly generate millions of dollars in revenues. These companies need processing prowess to fuel business expansion.

Hosting, ISP, and Internet Services High Risk Merchant Accounts

Web hosts, domain registration, email, cloud computing and other internet based businesses have customers that are billed who on a recurring basis. Recurring billing gives these merchants the ability to accept payments monthly, weekly, daily or on a pay-per-minute or pay-per-usage basis.

Online Dating High Risk Merchant Accounts

The processing power of high risk merchant accounts enables online dating companies to flourish and prosper. Offshore merchant accounts are established for online dating companies as a way to expand international memberships easily and quickly.

Herbal Supplements, Vitamins, Pharmacies High Risk Merchant Accounts

Vitamins, herbal supplement, and pharmacies are good fits for high risk payment processing. Male enhancement, weight-loss, hair-growth and life style improvement products often have fast growing businesses and need high volume payment processing. Diversification of payment processing using offshore merchant accounts makes good business sense.

Multilevel Marketing MLM High Risk Merchant Accounts

Multilevel marketing or direct sales companies have business global operations. Offshore merchant accounts fulfil the need for payment processing for distributor sales around the world. MLM sales organizations, home delivered product sales, personal care products, magazine subscriptions, buyers clubs, MLM distribution, motivational training, lead generation, automatic scheduled shipping, and product fulfilment can quickly establish offshore merchant accounts with unlimited processing volumes.

Online Games, Social Networks, Virtual Worlds High Risk Merchant Accounts

Online games and MMOG need high volume offshore merchant accounts to accommodate high volume processing volumes. Special offshore merchant accounts are available designed to meet the needs of online games and MMOG players, including sales of virtual assets, subscriptions, pay-per-play or time intervals and other innovative payment processing options.

Management of virtual currency programs within games, social networks and virtual worlds is available. Mobile billing, ewallets, and alternative international payment solutions enhance offshore merchant accounts and increase revenues.

Highly effective processing products targeted for the special needs of virtual worlds and social networks are part of offshore merchant account advantages. Micro transactions and micro billing platforms are available to monetize social networks virtual worlds and online game merchants.

VOIP and Telecom High Risk Merchant Accounts

VOIP and specialized telecom services are growing at unprecedented rates world-wide. Calling plans, cell phones, prepaid services, phone cards, wireless, GPS tracking, data communication services of all types benefit from offshore merchant accounts.

Many companies in this industry have a recurring billing model that drive processing volumes higher month-on-month. Offshore merchant accounts are the right processing choice to guarantee payment processing to accommodate the business growth.

High Ticket Product High Risk Merchant Accounts

Businesses selling electronics, jewellry, furniture and other high ticket items are classified as high risk because of potential risk of chargebacks. Take advantage of special programs designed to help you securely sell your products world wide and protect your business against fraud and chargebacks.

Collectibles High Risk Merchant Accounts

Coin dealers, art galleries, antique shops, and business selling unique products are considered high risk merchant accounts. These types of companies have rare or unusual products which are often high ticket items. Businesses in this category benefit from the expertise necessary to place high risk merchant accounts with the appropriate acquiring banks.

Charities and Non Profits High Risk Merchant Accounts

Charities and non-profit organizations can be considered high risk merchant accounts because there is no product or service being sold. In addition, fraudsters using false identities will sometimes make a "charitable" contribution to see if a stolen card has available credit.

Charities and non-profits also need unlimited processing volumes to take advantage of increased giving during particular seasons or after catastrophic events, making a high risk merchant account the right solution for them.

Many charities and non-profits have world-wide operations. Give your donors an easy way to contribute to your good cause by providing modern payment processing solutions.

Subscriptions, Memberships and Recurring Billing High Risk Merchant Accounts

Businesses selling subscriptions or memberships are classified as high risk merchant accounts. Consumers can initiate chargebacks from the end of the billing period rather than from time of purchase. Therefore, acquiring banks have longer term contingent liabilities.

Subscription and recurring billing models grow very quickly month-on-month and merchants need processing volume to accommodate the growth. Specialized services to manage subscription, membership and recurring billing add value to your payment processing account.

Tickets High Risk Merchant Accounts

Tickets sales are considered high risk merchant accounts because the ticket is for a future event. Consumers may decide not to attend an event or not be able to attend creating a high risk of chargebacks. Acquiring banks classify ticket agents and brokers as high risk merchant accounts because of the potential liabilities associated with these types of businesses. Establish or diversity your merchant account processing with banks world-wide.